What are DeFi beginners most afraid of? They either think the operations are too complicated, worry about accidentally getting caught in a trap and losing money, or fear that various hidden costs will secretly eat away at their profits. But actually, there is a set of strategies specifically tailored for people like this—using the BTCB in your hands to collateralize and borrow USD1, then using USD1 for financial management, you can easily lock in a net annualized return of over 17%. It sounds impressive, but in practice, the operation is really not as complicated as it seems.

**Key Data Overview (Updated January 2026)**

Let's start with the most attractive numbers: the interest rate for collateralizing BTCB to borrow USD1 remains stable between 2.1% and 2.4%, with little fluctuation over the long term; the yield from using USD1 for flexible financial management ranges from 19.8% to 20.5%, which is a promotional rate limited in amount. By flipping between these two, the net annualized return can be smoothed out to 17.5% to 18.4%. The entire process involves no hidden fees, the data is transparent and clear.

**Why this strategy is especially suitable for beginners**

First, you don’t need to sell your BTCB, which is the biggest concern for most people. Second, the entry barrier is quite low—you can start with just a few thousand yuan. Most importantly, you don’t need any professional financial background; it’s just a simple logic of borrowing money in one place and doing financial management in another.

The whole setup takes about 10 minutes from start to finish, and once it’s done, you only need to check it once a week for about 30 seconds. There’s no need to watch the market constantly or operate frequently. For those who want to increase income but don’t want to be tied down by financial management, this is simply a magic tool.

**6 Steps for Beginners to Get Started**

**Step 1: Connect Your Wallet**
Go directly to Lista’s official website (lista.org), scan the QR code with Trust Wallet to connect. It’s best for beginners to use this method to avoid the hassle of configuration.

**Step 2: Network Pre-Setup**
Add the BSC network to your wallet. Fill in the parameters as follows: Chain ID is 56, RPC URL is https://bsc-dataseed.binance.org/. Then reserve $5 worth of BNB as gas fee. Once set up, you generally won’t need to add more.

**Steps 3 and beyond** (original text cuts off here, but subsequent steps follow the same logic): Select BTCB in the collateral module, input the collateral amount, confirm the transaction, borrow USD1, and choose a financial product.

**A Little Reminder of Risks**

Although this strategy looks stable, don’t forget the basic rules of the crypto market—if the BTCB price drops sharply, the collateralization ratio might become problematic. So it’s necessary to check your account status periodically. You don’t need to monitor it daily, but checking once every one or two weeks is recommended. Also, the yield rates of financial products fluctuate; the 19.8% to 20.5% figure is based on current market conditions, and there may be adjustments after the promotion ends.

Choosing reliable platforms and products is also crucial. There are many examples of pitfalls in this field, so beginners should start with small amounts to test the waters, and only increase their investment once they are familiar with the process.