DAO List Launches Web3 Credit Lending Product: Lista Credit Enters MVP Pilot

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Source: Lista DAO

BNB Chain ecosystem DeFi protocol Lista DAO today launched a small-scale credit lending product called Lista Credit. The product is currently in its MVP / trial phase, with the core goal of validating the feasibility of the "risk assessment and credit limit management based on on-chain behavioral signals" mechanism and gradually iterating the product experience in a small-scale, low-risk environment.

Unlike traditional DeFi, which mainly relies on over-collateralization, Lista Credit attempts to introduce more on-chain behavioral dimensions as references for assisting with risk control and lending decisions. Subsequently, Lista DAO will continuously optimize the model and product rules based on operational data and user feedback during this period, gradually expanding the support scope.

From "Asset Collateral" to "Behavioral Collateral" Paradigm Shift

For a long time, the DeFi lending market has been dominated by "over-collateralization," which, while ensuring system security, greatly limits capital efficiency. The launch of Lista Credit marks Lista DAO's evolution from a single asset collateral platform to a comprehensive financial ecosystem driven by both "assets + credit."

The core logic of Lista Credit lies in "small-scale credit based on on-chain behavioral risk control." It no longer requires users to deposit high-value tokens as collateral but instead considers the user's credit limit as "virtual collateral," achieving up to a 100% LLTV, meaning: you can borrow as much funds as your credit limit.

Precise Risk Control: Empowering High-Integrity Web3 Users

In the initial stage, Lista Credit has adopted a highly forward-thinking and rigorous risk control strategy, with the first batch of credit limit applications focusing on Binance MPC wallet users:

· Dynamic limit calculation: The system comprehensively scores users based on factors such as the registration time of their address, transaction count, asset distribution, and activity level, selecting seed users with excellent credit performance.

· Blacklist penetration: Strictly filtering addresses that have had financial transactions with mixers or have been flagged by third-party organizations like Etherscan, SlowMist as malicious addresses involved in phishing, theft, or fraud.

Ecosystem Empowerment: Credit U Vault and LISTA Synergy

To support the healthy operation of the credit lending market, Lista DAO has simultaneously launched the new Credit U Vault as a dedicated liquidity source for Lista Credit. This Vault operates with separate address management, allowing specific whitelisted addresses to deposit U assets to earn protocol rewards.

Meanwhile, the protocol has integrated LISTA token emissions into the system: users who make daily or 7-day repayments have the opportunity to receive LISTA emission rewards, which are 1,000 LISTA per day and 10,000 LISTA every seven days.

About Lista DAO

Lista DAO is a leading BNBFi protocol on the BNB Chain, offering overcollateralized decentralized stablecoins (CDP), BNB liquidity staking tokens (LST), Lista Lending, and innovative solutions that allow users to earn rewards from Binance Launchpool, Megadrop, and HODLer Airdrops.

As the first DeFi project on the BNB Chain to be recognized by Binance Launchpool, Lista DAO saw a 1,000% TVL growth last year, reaching a historic high of $4.5 billion, becoming the largest protocol by TVL on the BNB Chain. LISTA is the native token of Lista DAO and is tradable on mainstream exchanges such as Binance, Bitget, and Coinone.