Many newcomers to the crypto space feel both interested and a bit apprehensive about DeFi investing, mainly because they think it's complicated to operate and risky to control. Actually, many DeFi protocols now are thinking about how to lower the participation threshold so that ordinary people can also get involved. Take a leading BNBFi protocol as an example; their USD1 arbitrage plan is quite interesting. The logic is very simple—just three steps to earn a stable arbitrage profit of about 18%.

This protocol itself is quite sizable, with a historical peak TVL exceeding $4.3 billion. Its framework design is straightforward, integrating liquidity staking, collateral debt positions (CDP), and lending functions. Users who have tried it say the experience is quite smooth.

What is the core operation? First, you need to prepare collateral and a wallet. Beginners usually choose blue-chip tokens like BTCB or BNB, which are highly liquid and relatively stable. Then, download a Web3 wallet like MetaMask or Trust Wallet, transfer your assets into it, and make sure to switch to the BNB Chain network. The most critical step here is not to send assets to the wrong chain, or your assets will be lost.

The second step is to deposit your assets into this protocol as collateral and then borrow USD1 stablecoins. Log in to the protocol’s official website, connect your wallet, authorize it, select the tokens you want to collateralize from the asset list, and input the amount—it's recommended for beginners to try small amounts first. The system will automatically tell you how much USD1 you can borrow (the minimum collateral ratio is 150%). The entire borrowing fee rate is 1%. Once you confirm, click "Borrow," and after on-chain confirmation, it’s done. However, a detail to note is that beginners should keep the collateral ratio above 180% to have enough buffer against price fluctuations.

The third step is to transfer the borrowed USD1 via a cross-chain bridge to an account on a leading exchange, then deposit it into their financial products to choose flexible USD1 investment options, which have an annualized yield of about 20%. Click to subscribe and lock in the returns, and then you’re done. Once the earnings are credited, deduct the 1% borrowing cost, and your net profit will be around 18%.

Honestly, the biggest psychological concern for beginners with this strategy is “is it risky?” Considering the protocol’s over-collateralization mechanism and its $4.3 billion scale, the safety of funds is actually guaranteed. Moreover, the official provides detailed operation documentation and customer service, so even those with zero experience can follow along.