• Building the Largest Stableswap Hub: Grow Smart Lending into the largest stableswap hub by trading volume with more trading pairs and our expansion to Ethereum mainnet. 

• Bridging TradFi and DeFi with Real-World Assets (RWA): Introduce more products like bond-backed collateral, corporate bonds, and RWA yield products. Add more utility to RWA tokens purchased at Lista.

• Pioneering On-chain Credit Lending: Launch on-chain credit loans based on our proprietary credit system.

• Unified Lending Experience: Integrate Lista Lending and collateral debt position (CDP) products from the smart contract level to offer a unified, seamless lending experience.

• Prediction Market Derived Products: Predict key events with a portion of certain vaults’ revenue by voting on them. Deploy low-risk prediction market-based vaults with partners.

Lista DAO is proud to present our roadmap for the first half of 2026. Building on top of our milestones in 2025, we will keep building Lista into a comprehensive DeFi ecosystem that bridges traditional finance with blockchain innovation. Lista will release several most in-demand new products as well as perfecting our existing product lineup, representing a significant evolution from a liquid staking platform into a multi faceted financial platform encompassing lending, trading, RWA, and prediction markets.

The most important step Lista has planned for 2026 is the expansion of Smart Lending/Swap. Launched at the end of 2025, these 2 products represent Lista’s commitment to offering more comprehensive DeFi services and ambition to expand into a leading DeFi venue.

This expansion plan includes three key components:

• Broaden beyond existing markets: Include more assets like (even more) stablecoins, wrapped assets, and other tokens of correlated value. These tokens represent enormous trading opportunities with minimal price volatility - exactly the type of infrastructure DeFi users need.

• Integrate DEX aggregators: Introduce aggregators to tap into significantly larger trading flows from other major DEXs to offer the best liquidity and rate options for our entire community.

• Expansion to Ethereum mainnet: Despite higher gas costs, Ethereum mainnet remains the epicenter of DeFi liquidity, boasting over $70 billion in total value locked. This multi-chain approach comes with another critical move: include more assets outside the Stableswap model and introduce DEX aggregators into Smart Swap.

With these moves, Lista will offer more options to users across two networks. Smart Lending/Swap will become the go-to option for traders, liquidity providers, and anyone seeking to maximize their crypto assets.

The RWA sector has experienced nothing short of an explosive growth since 2023, with tokenized treasury bills, corporate debt, and other traditional assets reaching over $17 billion in on-chain value. Protocols like Centrifuge, Ondo, and Maple have demonstrated strong demand for yield-generating real-world assets, particularly as DeFi yields have compressed and institutional interest has grown.

By launching our RWA market in December 2025, Lista enters a multi-trillion dollar global market. Through Lista, users will be able to purchase U.S. Treasury bills and collateralized loan obligations without any KYC requirement. In 2026, our plan include:

• Introduce more quality assets with stable yields: Bond-backed collateral, corporate bonds, and more.

• Introduce more utilities for our RWA tokens: RWA tokens should never be sitting idle in your wallet. They should and will be able to be used as collateral at our RWA Zone for your loans and more.

• Optimize yield strategies: With steady off-chain yields, Lista will work out the best combination of on-chain and off-chain products to offer our users the most optimized yield streams.

This will transform off-chain assets into productive on-chain building blocks, addressing one of RWA’s current limitations: not enough options beyond holding tokens and collecting yield from a single source.

One of the most innovative elements of Lista’s 2026 roadmap is the exploration of on-chain credit lending.

Traditional DeFi lending protocols like Aave and Compound require collateralization ratios of at least 125%, effectively limiting credit access to those who already hold substantial crypto assets. Credit lending could democratize DeFi credit access by tapping into a potentially enormous market.

These loans work in a very simple way:

• No collateral required: Everything is credit-based. Every good financial decision you make will increase your credit score.

• Small amount, short-term: A couple hundred of dollars for an emergency payment? With good credit, you will get it within seconds. Just pay it back within a few days when your paycheck has arrived.

• High interest: Credit loans tend to have higher default rate and as a result, interest rates are also higher for suppliers.

The market opportunity is massive: the U.S. alone has over $1.3 trillion in revolving credit lines that crypto can capture through superior capital efficiency and global accessibility.

That said, Lista will tread this path one cautious step at a time, offering small, credit loans to selected addresses based on our proprietary credit evaluation system. Through a comprehensive on-chain behavior analysis, we aim to provide more liquidity options to those with a decent record while trying to offer the best return to liquidity providers.

In just over a year, on-chain prediction markets have surged in popularity and grown into a billion-dollar industry, with platforms like Polymarket processing over $3 billion in trading volume during the 2024 U.S. election cycle alone. As leading prediction protocols like Polymarket and Kalshi raised billion-dollar level investments, so much attention is concentrated on this newly-bloomed industry’s vast potential.

By integrating prediction markets directly into our lending platform, Lista will create novel engagement opportunities including:

• Voting on the outcomes of certain events: Instead of making individual predictions, Users will get a chance to cast a collective vote on trending events.

• Low-risk, stable-yield prediction strategies: With our partnered prediction markets, Lista will offer our users a chance to earn a steady income from a completely new source.

• Enhanced yield streams: For very high-profile events, users will even get a chance to predict their outcomes with a portion of Lista’s income, giving everyone a chance to earn even more yield on their capital.

Prediction markets’ success has demonstrated that well-designed protocols and pools can achieve remarkable accuracy on the outcome of events, often outperforming expert forecasts and traditional polls. By introducing this vertical, Lista will tap into collective wisdom while creating additional platform utility and community engagement vectors.

Lista launched its lending product in April 2025, to astounding success - $1.99 billion all-time high TVL in a few months, ranking No. 2 in lending protocols on the BNB chain. Lista’s another flagship product, collateral debt position (CDP), allows users to deposit a variety of assets (BTC, ETH, BNB, and more) and borrow Lista’s stablecoin, lisUSD, against them. With an all-time high TVL of almost $1 billion, Lista CDP saw steady growth over the past few years.

Though intuitive and well-managed in their own way, these two products are essentially doing the same thing: decentralized, permissionless C2C lending. As they both grow with Lista, every community member must face a critical pain point: fragmented user experience across multiple interfaces.

In 2026, Lista will integrate these products at the smart contract level, starting with a deep technical unification rather than just UI aggregation. Collateralization, lending/borrowing, liquidation, and management will all be merged to create a seamless, one-stop lending product. When the infrastructure is set, Lista will also initiate a UI overhaul to put lending, CDP, and credit lending into one page.

This approach mirrors what many crypto platforms have been doing when they have expanded from an interface for one simple product to comprehensive financial hubs. Through this integration, Lista will offer a unified lending experience that abstract away complexity while maximizing user options.

Apart from user experience improvements in the lending sector, Lista has planned the same for every product. In an increasingly competitive DeFi landscape, technical capabilities alone don’t guarantee success. Ease of use remains one of DeFi’s most significant barriers to mainstream adoption.

This dedication stems from Lista’s commitment to community engagement. Thriving DeFi protocols have achieved their success partly due to responsive development teams that actively incorporate user feedback. By keeping a close touch with the Lista community, we will dedicate ourselves to building products that users actually want and need.

Lista has always recognized intuitive design and seamless user flows are competitive advantages as important as technical innovation. Through this continuous perfection effort, Lista will consolidate previously separate features into more cohesive workflows, as well as polish our UI design and website structure.

Lista DAO’s roadmap for 2026’s first half is undeniably ambitious, spanning multiple product categories that each present unique technical, regulatory, and market challenges. Lista’s vision of becoming an increasingly comprehensive protocol will create network effects where users will get exposure to a suite of complementary products under one roof.

This roadmap represents a bold bet on the future of integrated DeFi platforms and potentially establishing Lista as a major hub of lending, trading, RWA, and prediction markets with a unified, optimized user experience. Stay tuned to our social media and community channel for our latest updates.

• Building the Largest Stableswap Hub: Grow Smart Lending into the largest stableswap hub by trading volume with more trading pairs and our expansion to Ethereum mainnet. 

• Bridging TradFi and DeFi with Real-World Assets (RWA): Introduce more products like bond-backed collateral, corporate bonds, and RWA yield products. Add more utility to RWA tokens purchased at Lista.

• Pioneering On-chain Credit Lending: Launch on-chain credit loans based on our proprietary credit system.

• Unified Lending Experience: Integrate Lista Lending and collateral debt position (CDP) products from the smart contract level to offer a unified, seamless lending experience.

• Prediction Market Derived Products: Predict key events with a portion of certain vaults’ revenue by voting on them. Deploy low-risk prediction market-based vaults with partners.

Lista DAO is proud to present our roadmap for the first half of 2026. Building on top of our milestones in 2025, we will keep building Lista into a comprehensive DeFi ecosystem that bridges traditional finance with blockchain innovation. Lista will release several most in-demand new products as well as perfecting our existing product lineup, representing a significant evolution from a liquid staking platform into a multi faceted financial platform encompassing lending, trading, RWA, and prediction markets.

The most important step Lista has planned for 2026 is the expansion of Smart Lending/Swap. Launched at the end of 2025, these 2 products represent Lista’s commitment to offering more comprehensive DeFi services and ambition to expand into a leading DeFi venue.

This expansion plan includes three key components:

• Broaden beyond existing markets: Include more assets like (even more) stablecoins, wrapped assets, and other tokens of correlated value. These tokens represent enormous trading opportunities with minimal price volatility - exactly the type of infrastructure DeFi users need.

• Integrate DEX aggregators: Introduce aggregators to tap into significantly larger trading flows from other major DEXs to offer the best liquidity and rate options for our entire community.

• Expansion to Ethereum mainnet: Despite higher gas costs, Ethereum mainnet remains the epicenter of DeFi liquidity, boasting over $70 billion in total value locked. This multi-chain approach comes with another critical move: include more assets outside the Stableswap model and introduce DEX aggregators into Smart Swap.

With these moves, Lista will offer more options to users across two networks. Smart Lending/Swap will become the go-to option for traders, liquidity providers, and anyone seeking to maximize their crypto assets.

The RWA sector has experienced nothing short of an explosive growth since 2023, with tokenized treasury bills, corporate debt, and other traditional assets reaching over $17 billion in on-chain value. Protocols like Centrifuge, Ondo, and Maple have demonstrated strong demand for yield-generating real-world assets, particularly as DeFi yields have compressed and institutional interest has grown.

By launching our RWA market in December 2025, Lista enters a multi-trillion dollar global market. Through Lista, users will be able to purchase U.S. Treasury bills and collateralized loan obligations without any KYC requirement. In 2026, our plan include:

• Introduce more quality assets with stable yields: Bond-backed collateral, corporate bonds, and more.

• Introduce more utilities for our RWA tokens: RWA tokens should never be sitting idle in your wallet. They should and will be able to be used as collateral at our RWA Zone for your loans and more.

• Optimize yield strategies: With steady off-chain yields, Lista will work out the best combination of on-chain and off-chain products to offer our users the most optimized yield streams.

This will transform off-chain assets into productive on-chain building blocks, addressing one of RWA’s current limitations: not enough options beyond holding tokens and collecting yield from a single source.

One of the most innovative elements of Lista’s 2026 roadmap is the exploration of on-chain credit lending.

Traditional DeFi lending protocols like Aave and Compound require collateralization ratios of at least 125%, effectively limiting credit access to those who already hold substantial crypto assets. Credit lending could democratize DeFi credit access by tapping into a potentially enormous market.

These loans work in a very simple way:

• No collateral required: Everything is credit-based. Every good financial decision you make will increase your credit score.

• Small amount, short-term: A couple hundred of dollars for an emergency payment? With good credit, you will get it within seconds. Just pay it back within a few days when your paycheck has arrived.

• High interest: Credit loans tend to have higher default rate and as a result, interest rates are also higher for suppliers.

The market opportunity is massive: the U.S. alone has over $1.3 trillion in revolving credit lines that crypto can capture through superior capital efficiency and global accessibility.

That said, Lista will tread this path one cautious step at a time, offering small, credit loans to selected addresses based on our proprietary credit evaluation system. Through a comprehensive on-chain behavior analysis, we aim to provide more liquidity options to those with a decent record while trying to offer the best return to liquidity providers.

In just over a year, on-chain prediction markets have surged in popularity and grown into a billion-dollar industry, with platforms like Polymarket processing over $3 billion in trading volume during the 2024 U.S. election cycle alone. As leading prediction protocols like Polymarket and Kalshi raised billion-dollar level investments, so much attention is concentrated on this newly-bloomed industry’s vast potential.

By integrating prediction markets directly into our lending platform, Lista will create novel engagement opportunities including:

• Voting on the outcomes of certain events: Instead of making individual predictions, Users will get a chance to cast a collective vote on trending events.

• Low-risk, stable-yield prediction strategies: With our partnered prediction markets, Lista will offer our users a chance to earn a steady income from a completely new source.

• Enhanced yield streams: For very high-profile events, users will even get a chance to predict their outcomes with a portion of Lista’s income, giving everyone a chance to earn even more yield on their capital.

Prediction markets’ success has demonstrated that well-designed protocols and pools can achieve remarkable accuracy on the outcome of events, often outperforming expert forecasts and traditional polls. By introducing this vertical, Lista will tap into collective wisdom while creating additional platform utility and community engagement vectors.

Lista launched its lending product in April 2025, to astounding success - $1.99 billion all-time high TVL in a few months, ranking No. 2 in lending protocols on the BNB chain. Lista’s another flagship product, collateral debt position (CDP), allows users to deposit a variety of assets (BTC, ETH, BNB, and more) and borrow Lista’s stablecoin, lisUSD, against them. With an all-time high TVL of almost $1 billion, Lista CDP saw steady growth over the past few years.

Though intuitive and well-managed in their own way, these two products are essentially doing the same thing: decentralized, permissionless C2C lending. As they both grow with Lista, every community member must face a critical pain point: fragmented user experience across multiple interfaces.

In 2026, Lista will integrate these products at the smart contract level, starting with a deep technical unification rather than just UI aggregation. Collateralization, lending/borrowing, liquidation, and management will all be merged to create a seamless, one-stop lending product. When the infrastructure is set, Lista will also initiate a UI overhaul to put lending, CDP, and credit lending into one page.

This approach mirrors what many crypto platforms have been doing when they have expanded from an interface for one simple product to comprehensive financial hubs. Through this integration, Lista will offer a unified lending experience that abstract away complexity while maximizing user options.

Apart from user experience improvements in the lending sector, Lista has planned the same for every product. In an increasingly competitive DeFi landscape, technical capabilities alone don’t guarantee success. Ease of use remains one of DeFi’s most significant barriers to mainstream adoption.

This dedication stems from Lista’s commitment to community engagement. Thriving DeFi protocols have achieved their success partly due to responsive development teams that actively incorporate user feedback. By keeping a close touch with the Lista community, we will dedicate ourselves to building products that users actually want and need.

Lista has always recognized intuitive design and seamless user flows are competitive advantages as important as technical innovation. Through this continuous perfection effort, Lista will consolidate previously separate features into more cohesive workflows, as well as polish our UI design and website structure.

Lista DAO’s roadmap for 2026’s first half is undeniably ambitious, spanning multiple product categories that each present unique technical, regulatory, and market challenges. Lista’s vision of becoming an increasingly comprehensive protocol will create network effects where users will get exposure to a suite of complementary products under one roof.

This roadmap represents a bold bet on the future of integrated DeFi platforms and potentially establishing Lista as a major hub of lending, trading, RWA, and prediction markets with a unified, optimized user experience. Stay tuned to our social media and community channel for our latest updates.