Are you also pondering how to make idle assets more valuable? Recently, a strategy has emerged in the BNB Chain ecosystem—borrowing low-interest stablecoins, depositing into high-yield financial products, and waiting for the interest spread to accrue. It sounds a bit like "free money," but the logic is quite clear, and the operation isn't complicated.

**The Essence of Interest Spread Arbitrage**

Simply put, it's a game of buying and selling capital costs. Borrow USD1 stablecoins from lending protocols at extremely low interest rates (sometimes even down to 1%), and simultaneously invest in top-tier exchange financial products that yield around 20% annualized return. When you offset these, you can net approximately 19% annualized profit—using minimal capital costs to make money work for you.

**How to Operate? Four Steps to Complete**

*Step 1: Gather Collateral Assets*

First, connect your wallet to a lending protocol platform. Prepare some mainstream crypto assets as collateral, such as BTCB, ETH, or BNB. These top-tier assets usually offer the most favorable borrowing rates.

*Step 2: Collateralize and Borrow*

The process is straightforward:

Select your asset (e.g., BTCB) in the collateral module, and determine the collateral amount. Then, set a reasonable collateralization ratio based on your risk tolerance—it's advisable not to be too aggressive and leave some buffer for market fluctuations. Next, go to the borrowing interface, choose to borrow USD1 stablecoins. Check the current borrowing rate (which fluctuates in real-time based on the latest platform data), confirm everything is correct, and complete the loan.

*Step 3: Transfer and Invest*

Withdraw the borrowed USD1 from your wallet to a top-tier exchange account. Log in, find the financial products section, and look for high-yield options for USD1 (the annualized rate is usually visible in real-time). Pick a suitable product (either flexible or fixed term), deposit the USD1, and start earning returns.

*Step 4: Monitor and Adjust*

This step is especially important—regularly check for changes in borrowing rates and financial yields. As long as the interest spread remains favorable, this strategy can continue. But if one day the borrowing rate suddenly spikes or the yield on your financial product drops significantly, you should promptly adjust your strategy or consider closing the position.

**Risk Reminder**

Arbitrage sounds attractive, but there are several points to watch out for: collateral assets are subject to price volatility, and a sharp decline could trigger forced liquidation; lending protocols also carry contract risks; and the yields on financial products can fluctuate—they're not fixed. Never put all your assets into this strategy; proper allocation and moderate participation are the keys to long-term success.

This approach is quite popular on the BNB Chain and is considered a medium-risk, medium-reward strategy. If you're interested in DeFi arbitrage, try calculating the numbers yourself to see how much room there still is for interest spread in the current market environment. Most importantly, do thorough research before entering—don't follow the crowd blindly.