# Lista Credit Phase 1 Has Concluded

By [Lista DAO](https://blog.lista.org) · 2026-06-01

defi, credit, bnb, lending, lista

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We're excited to share that Lista Credit Phase 1 has officially come to a close. Thank you to everyone who participated in this initial phase - your engagement has been invaluable in shaping the future of Lista Credit.

Phase 1 at a Glance
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*   Total Loans Issued: $47.13K
    
*   Total Active Addresses: 180
    
*   Total Revenue: $1.55K
    
*   Repayment Rate: 95.4%
    

Despite being an early phase limited to eligible Binance Wallet addresses, Phase 1 delivered a strong signal of product-market fit. A repayment rate of 95.4% reflects the responsible borrowing behavior of our early users, representing a meaningful proof of concept that we're proud to build on.

What This Means for You
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Lista Credit will **no longer be issuing new loans** as of now. However, if you have an outstanding loan, you can still repay it at any time. Please note that LISTA emissions for Credit loans have also stopped, which means **repaying your loan will not get a chance to earn LISTA from now on**.

We encourage all borrowers to manage their positions accordingly.

What's Next: Looking Ahead to Phase 2
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Lista team will now begin evaluating data and insights gathered from Phase 1 to refine this product and prepare for the next chapter.

Phase 1 was exclusively open to eligible Binance Wallet addresses. In Phase 2, Lista will build a more complete and robust credit evaluation system. Credit will also have expand access to a broader range of addresses with higher borrowing limits, as well as a more dynamic vault that provides the loan assets - bringing decentralized credit to more of the community.

Stay tuned for updates on Phase 2 timelines and eligibility details.

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_Thank you for being part of Lista Credit from the very beginning. The best is yet to come._

Have questions? Join our communities:

Discord: [https://discord.gg/listadao](https://discord.gg/listadao)

Telegram: [https://t.me/ListaDAO](https://t.me/ListaDAO)

Telegram (Chinese): [https://t.me/ListaDAO\_CN](https://t.me/ListaDAO_CN)

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*Originally published on [Lista DAO](https://blog.lista.org/lista-credit-phase-1-has-concluded)*