The LISTA ecosystem on the BNB chain has recently become popular. Its core logic is actually about serving investors of different risk levels well.

First, the conservative group. RWA assets connect to real-world assets off-chain, with an annualized return of 3.5%-4.5%. It's suitable for those who are willing to invest millions and just want to earn stable passive income. The PSM mechanism is also quite clever; USDT and USD1 swaps directly provide 7%-12% interest, offering liquidity assurance without taking on significant risk.

The mid-tier option is BNB liquidity staking (slisBNB), with an annualized return of 8.95%-12%. Plus, ecosystem rewards can be stacked. The key is supporting circular loans to amplify returns—so long as borrowing costs are low enough, risk can be controlled.

For aggressive players, carefully selected Vaults and third-party strategies can achieve annualized returns of up to 18%. However, these are built on leverage and aggressive strategies, so investors need to be psychologically prepared for potential drawdowns.

The most clever combination is the "lending + DEX" combo. Borrowing interest rates can be pushed down to an extraordinary 0.03%. Meanwhile, your collateral also earns LP fees, maximizing capital utilization. The entire system is connected via USD1 stablecoins, balancing lending, staking, and arbitrage. Whether you have millions or tens of millions in funds, you can always find a suitable solution.