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Lista Lending is a decentralized, vault-based lending protocol on BNB Chain, designed to optimize capital efficiency and enable flexible peer-to-peer lending. Users can supply assets to earn yield, borrow against collateral with dynamic rates via the AdaptiveCurveIRM.
This guide walks you through using the Lista Lending DApp, covering key actions for lenders, borrowers, and vault curators.
Before using Lista Lending, ensure you have:
BNB Chain Wallet: A wallet like Binance Wallet or MetaMask configured for BNB Chain with BNB for gas fees.
Assets: Tokens supported by Lista Lending (e.g., BNB, slisBNB, lisUSD, pt-clisBNB).
Basic DeFi Knowledge: Understanding of lending, borrowing, and liquidation risks.
Visit the dApp: Go to https://lista.org/lending.
Connect Wallet:
Click on “Connect Wallet” on the top right corner.
Select your wallet (e.g., Binance Wallet or MetaMask) and approve the connection.
Ensure your wallet is set to BNB Chain (Chain ID: 56).
2. View Dashboard:
Once connected, you’ll see options like “Earn” (for lending) and “Borrow” (for borrowing).
Lenders deposit assets into vaults to earn a vault-weighted Supply APY.
Navigate to Earn Page: From the homepage, click “Earn” (first screen) or via the header.
Select a Vault:
Browse the Vault List (sorted by Deposit or APY, 10 per page).
View details: Vault Name, Deposit Amount (e.g., xxx BNB/USD), APY, Collateral Types.
Choose a vault and click on it.
3. Deposit Assets:
Click the vault to enter its Vault Page.
In the Deposit Section, input the amount (e.g., 10 BNB) or click “Max.”
Check APY and estimated profits (Monthly: (Position + Input) × APY / 12; Yearly: (Position + Input) × APY).
Approve the token spend, then confirm the deposit transaction.
4. Monitor Earnings:
Return to Lista Lending to view your dashboard.
View Total Earn Assets (excludes collateral), APY curve (7d/1m/3m/all), and Lista rewards (claim via button).
5. Withdraw asset
Click the vault to enter its Vault Page.
In the right section, click on Withdraw, input the amount (e.g., 10 BNB) or click “Withdraw all”
Confirm the deposit transaction and you will receive your BNB.
Borrowers collateralize assets to access loans, with rates set by the AdaptiveCurveIRM.
1. Navigate to Borrow Page:
Click “Borrow” from the Lista Lending homepage.
2. Choose Collateral:
In the Collateral List, filter by asset (e.g., slisBNB, BNB) or view all.
Check details: Collateral Name, Loan Token (e.g., WBNB), LLTV, Borrowable Amount (liquidity), borrow Rate.
Select a market (e.g. BTCB).
3. Deposit Collateral and Borrow
On the Collateral Page, input the amount of collateral to supply (e.g., BTCB) in the supply collateral section.
Specify the borrow amount (e.g., WBNB) within the Borrowable WBNB section.
Review the Rate (e.g., 4% at 90% utilization) and confirm the transaction.
Approve and confirm the deposit transaction.
4. Monitor Debt:
In the borrow page, click on My position to monitor your debt.
5. Withdraw (Lenders):
Go to Earn Page → Operation Section.
Input amount, confirm withdrawal (subject to liquidity).
6. Repay (Borrowers):
Go to Borrow Page → Debt Details.
Repay principal + interest, reclaim collateral.
You can also check the details of your collateral assets as well as borrow and repay loans at our Dashboard page.
To learn more about Lista Lending's mechanisms or deploy your vaults on Lista, refer to our Lending Documentation.
Lista Lending is a decentralized, vault-based lending protocol on BNB Chain, designed to optimize capital efficiency and enable flexible peer-to-peer lending. Users can supply assets to earn yield, borrow against collateral with dynamic rates via the AdaptiveCurveIRM.
This guide walks you through using the Lista Lending DApp, covering key actions for lenders, borrowers, and vault curators.
Before using Lista Lending, ensure you have:
BNB Chain Wallet: A wallet like Binance Wallet or MetaMask configured for BNB Chain with BNB for gas fees.
Assets: Tokens supported by Lista Lending (e.g., BNB, slisBNB, lisUSD, pt-clisBNB).
Basic DeFi Knowledge: Understanding of lending, borrowing, and liquidation risks.
Visit the dApp: Go to https://lista.org/lending.
Connect Wallet:
Click on “Connect Wallet” on the top right corner.
Select your wallet (e.g., Binance Wallet or MetaMask) and approve the connection.
Ensure your wallet is set to BNB Chain (Chain ID: 56).
2. View Dashboard:
Once connected, you’ll see options like “Earn” (for lending) and “Borrow” (for borrowing).
Lenders deposit assets into vaults to earn a vault-weighted Supply APY.
Navigate to Earn Page: From the homepage, click “Earn” (first screen) or via the header.
Select a Vault:
Browse the Vault List (sorted by Deposit or APY, 10 per page).
View details: Vault Name, Deposit Amount (e.g., xxx BNB/USD), APY, Collateral Types.
Choose a vault and click on it.
3. Deposit Assets:
Click the vault to enter its Vault Page.
In the Deposit Section, input the amount (e.g., 10 BNB) or click “Max.”
Check APY and estimated profits (Monthly: (Position + Input) × APY / 12; Yearly: (Position + Input) × APY).
Approve the token spend, then confirm the deposit transaction.
4. Monitor Earnings:
Return to Lista Lending to view your dashboard.
View Total Earn Assets (excludes collateral), APY curve (7d/1m/3m/all), and Lista rewards (claim via button).
5. Withdraw asset
Click the vault to enter its Vault Page.
In the right section, click on Withdraw, input the amount (e.g., 10 BNB) or click “Withdraw all”
Confirm the deposit transaction and you will receive your BNB.
Borrowers collateralize assets to access loans, with rates set by the AdaptiveCurveIRM.
1. Navigate to Borrow Page:
Click “Borrow” from the Lista Lending homepage.
2. Choose Collateral:
In the Collateral List, filter by asset (e.g., slisBNB, BNB) or view all.
Check details: Collateral Name, Loan Token (e.g., WBNB), LLTV, Borrowable Amount (liquidity), borrow Rate.
Select a market (e.g. BTCB).
3. Deposit Collateral and Borrow
On the Collateral Page, input the amount of collateral to supply (e.g., BTCB) in the supply collateral section.
Specify the borrow amount (e.g., WBNB) within the Borrowable WBNB section.
Review the Rate (e.g., 4% at 90% utilization) and confirm the transaction.
Approve and confirm the deposit transaction.
4. Monitor Debt:
In the borrow page, click on My position to monitor your debt.
5. Withdraw (Lenders):
Go to Earn Page → Operation Section.
Input amount, confirm withdrawal (subject to liquidity).
6. Repay (Borrowers):
Go to Borrow Page → Debt Details.
Repay principal + interest, reclaim collateral.
You can also check the details of your collateral assets as well as borrow and repay loans at our Dashboard page.
To learn more about Lista Lending's mechanisms or deploy your vaults on Lista, refer to our Lending Documentation.
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