Lista Lending is a decentralized peer-to-peer lending protocol on BNB Chain that lets users borrow by posting crypto as collateral or earn interest by supplying assets. Using a vault-based system, it matches lenders and borrowers across markets, offering flexible loans, fair rates, and protections like collateral requirements and liquidations.
Lista Lending is a decentralized peer-to-peer lending protocol built on BNB Chain. Instead of relying on a single shared pool, Lista uses a vault-based system where liquidity is allocated across isolated lending markets. Each market pairs one collateral asset with one loan asset (like slisBNB–lisUSD) and operates independently, helping to contain risk if one market underperforms. Anyone can create new lending markets without needing DAO approval, making the system fully permissionless and modular.
Lista earns from protocol and vault-level fees. Each vault can charge up to 50% of generated profits as a management fee, with additional protocol-level fees defined by Lista DAO. The platform also retains small portions of borrower interest and liquidation penalties.
Lenders deposit assets into vaults or directly into markets to earn interest paid by borrowers. Vaults automatically manage risk and allocate liquidity across markets, so passive lenders can earn yield without managing loans themselves. Borrowers, on the other hand, can use supported assets like slisBNB or lisUSD as collateral to access liquidity, paying variable interest rates based on demand.