Complete Guide to Deposit USD1 in Binance Finance for 20% Return (Beginner's Tutorial)

1. Official website address
Official website: https://lista.org
Note: After entering the webpage, click "Launch App" at the top right to access the interface.
2. What's the most convenient way? (Recommended two options)
Option A: If you're using a mobile phone (most recommended, ideal for completing tasks)
Open the Binance App.
Click Binance Wallet
Click the 【Discover】 button at the bottom right.
Enter Lista DAO in the search bar, find the official app, and click to open.
Your wallet will connect automatically, so you don't need to worry about connecting to the wrong site.
Option B: If you're using a computer
Enter https://lista.org in your browser
Connect your wallet (Connect Wallet) at the top right
3. Click Lista Lending.
3. How to borrow USD1 once you are inside?
"USD1" is actually a special pool recently launched by Lista (this is the stablecoin from the Trump family crypto project WLFI).
Click "Lista Lending".
Scroll down to find USD1 or search USD1 in the lending list.
Choose the currency you own to deposit as collateral.
Enter the quantity of USD1 you want to borrow (pay attention to see if the interest rate is around 1%; the lending rates vary for different currencies). The loan-to-value ratios for each currency are also different.
Scroll down for more options.
5. Taking BNB as an example of collateral, as shown in the image below (there are detailed descriptions below the image, be sure to check).
Lending rate: The lending rate for BNB collateral is 0.41%; assuming your total borrowing amount is 1000USD1.
The total interest for the year is: 1000X0.41%=4.1USD1. Daily interest: 4.1 /365=0.011USD12.
Collateral yield: This means if you keep your BNB on this platform, the yield is only 0.1%.
Assuming you deposit BNB worth 1000U, the total interest for the year is: 1000X01%=1USD1.
Daily interest = 1/365=0.0027, so this type of product is not suitable to exist here.
Loan-to-value ratio: The loan-to-value ratio is 75%, meaning the amount you can borrow is 75% of the value of your collateral.
For example, as shown in the picture, I have 0.035 BNB worth approximately 32U. The total amount I can borrow is 32X0.75≈23.5USD1.
(There is slippage here, so the value is not that precise.)
Liquidation loan-to-value ratio: Your loan-to-value ratio is 75%, but your liquidation line is the same!!
If you really max out, then once your collateral drops by even a fraction, you will be liquidated. So set a safe value, don’t borrow to the max. Borrowing in the blue line area is relatively safe, so even if the price drops a bit, it’s okay.
⚠️ Key Reminder:
The currency you want to pledge must be in the Web3 wallet (on-chain). If it's in an exchange account, you must withdraw it to the Web3 wallet first before you can pledge.
6. After borrowing, transfer the USD1 in your wallet back to the exchange.
7. Click the avatar in the upper left corner to find [Wealth Management] and go in.
8. Scroll down to find [Principal Protection Wealth Management] select [USD1] (this is just an example; once you learn, you can find wealth management products suitable for you based on your actual situation and the currencies you hold).
9. Finally, let me introduce the yield of this wealth management product.
The current account can be borrowed and withdrawn at any time, with deposits between 0-50000USD1, and the ARP is 20.05%.
The annual interest is: $50000X20.05%＝$10,025.
The monthly interest is: $10,025/12≈$835.4 (approximately ¥6,000)
For amounts over 50000USD1, the ARP is only 0.05%, so it's not recommended to deposit over $50000 (you can split it up).
Compared to domestic banks and the interest on USD fixed deposits, this rate is very high. Below is the interest rate table I investigated and calculated; please compare it yourself.
Alright, this tutorial ends here. Have you learned it? More wealth management methods still need to be executed based on your own situation. This article mainly teaches you how to use @ListaDAO to borrow, how to manage wealth in Binance, and how to understand the rates of wealth management.
After learning, give me a thumbs up! If you think ListaDAO is a good wealth management platform, you can follow their native token $LISTA. A good platform token also has unlimited potential.
LISTA
 
#USD1 Wealth Management Best Strategy ListaDAO   @ListaDAO 