USD1, this stablecoin, went live on Lista DAO, and the borrowing interest rate directly dropped to 1.27%. At the same time, a leading trading platform's USD1 flexible savings still offers 20% annualized return, a difference of over 18%. This interest rate spread truly attracts many people. I broke down the entire process into 4 steps, which can be completed in 5 minutes on your phone.

**Step 1: Choose Collateral**
Open Lista Lending, deposit BTCB, BNB, or ETH—any of these works. The system supports up to 90% LTV (Loan-to-Value ratio), showing you how much you can borrow in real-time.

**Step 2: Borrow USD1**
Enter the amount to borrow. Starting interest rate is 1.27%. After on-chain confirmation, the funds arrive instantly, with no lock-up period.

**Step 3: Cross-chain Transfer**
The Lista platform has a built-in "Deposit to Binance" feature. USD1 goes directly into your spot wallet, with a fee of only 0.8U, arriving in about 3 minutes.

**Step 4: Lock in Earnings**
Go to the financial module of the leading platform, select USD1 flexible savings, and choose the tiered interest rate. The first 50k tokens enjoy a 20% annualized return, and the flexible product allows for deposit and withdrawal at any time.

**Actual Data**
Using 0.5 BTCB (about $52,000 USD) as an example, borrowing $45,000 USD1, and holding it on the platform for 14 days, the Booster yield is approximately $45,000 × 20% × 14/365 ≈ $345. During the same period, the interest paid is about $45,000 × 1.27% × 14/365 ≈ $22. This results in a net profit of about $323, which annualizes to approximately 18.7%. The key is that BTCB remains in Lista, and the airdrops from Launchpool are unaffected.

**How to Manage Risks**
The main risk is a sharp drop in BTC leading to liquidation. But as long as you keep the LTV below 80% and reserve a 10% buffer, even a 15% drop within 24 hours is no problem.

In summary: the new stablecoin pushes borrowing rates to the floor, while a top platform boosts flexible savings to the ceiling. The 18% arbitrage space between them is real—it's up to you whether to take advantage of it.