# Lista Credit Phase 1 Has Concluded

**Published by:** [Lista DAO](https://blog.lista.org/)
**Published on:** 2026-06-01
**Categories:** defi, credit, bnb, lending, lista
**URL:** https://blog.lista.org/lista-credit-phase-1-has-concluded

## Content

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 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 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 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. 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 Telegram: https://t.me/ListaDAO Telegram (Chinese): https://t.me/ListaDAO_CN

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