DeFi Newcomers' Biggest Fears? Either the operations feel too complicated, or you worry about accidentally stepping into a trap and losing money, or you fear various hidden costs quietly eating into your returns. But actually, there's a strategy specifically tailored for this type of person — use your BTCB as collateral to borrow USD1, then use USD1 for yield farming, and you can easily lock in net annualized returns of 17% or higher. Sounds fancy, but the actual operation really isn't as complicated as you'd imagine.

**Core Data at a Glance (Updated January 2026)**

Let me throw out the most attractive numbers first: the interest rate for BTCB collateral borrowing USD1 remains stable in the 2.1% to 2.4% range, with no major fluctuations long-term; the returns from using USD1 for flexible yield farming are between 19.8% to 20.5%, which is a promotional rate with limited capacity. Running the numbers back and forth, your net annualization works out to 17.5% to 18.4%, with no hidden fees throughout the entire process — the data is there for all to see, transparent as can be.

**Why This Strategy Is Especially Suited for Beginners**

First, you don't need to sell your BTCB, which is the biggest concern for most people. Second, the entry threshold really isn't high — just a thousand or so to get started. Most importantly, you don't need any professional finance background at all — it's just simple logic of borrowing at location A and doing yield farming at location B.

The entire setup takes about 10 minutes from start to finish, all done in one go. After you've set it up, you only need to spend about 30 seconds per week checking in — no need to watch the charts, no frequent operations required. For people who want to increase income without being tied down by financial management, this is practically a godsend.

**Beginner's 6-Step Quick Start Guide**

**Step 1: Connect Your Wallet**
Head straight to Lista's official website (lista.org) and use Trust Wallet to scan the QR code to connect — beginners should go this route to avoid hassling with configuration yourself.

**Step 2: Network Setup**
Add the BSC network to your wallet. Fill in the parameters like this: Chain ID is 56, RPC address is https://bsc-dataseed.binance.org/. Then set aside 5 USD worth of BNB for gas fees — prep it all at once and you basically won't need to add more later.

**Steps 3 Onwards** (original text truncated here, subsequent steps follow the original logic): respectively are: select BTCB in the collateral module, input collateral amount, confirm transaction, borrow USD1, select yield farming product.

**Risk Reminder Notes**

While this strategy looks solid, don't forget the basic rules of the crypto market — if BTCB price takes a major nosedive, your collateral ratio could become problematic. So checking your account status regularly is necessary, and while you don't need to watch it constantly, checking once every week or two is still essential. Additionally, yield farming returns will fluctuate — the 19.8% to 20.5% figure is current market rates, and if the promotion ends later, there may be adjustments.

Choosing reliable platforms and products is also critical. There are plenty of examples of people stepping into traps in this space, so beginners should start with small amounts to test the waters before increasing your investment once you're familiar with the process.