Have you ever thought that borrowing money can not only be low-cost but also profit from interest rate arbitrage?

In simple terms:

Borrow and deposit, and the interest difference in between is yours.
For example, if you hold blue-chip tokens like BTCB, ETH, BNB, you can collateralize them and borrow USD1 at an interest rate of about 1%;

This way, you benefit from the potential growth of the collateral itself while also earning a net interest spread of about 18%.
If you're more experienced, you can also try interest-bearing assets like PT-USDe.
First, buy PT-USDe on Lista (which already generates yield), then collateralize it to borrow USD1 (interest rate only 1.87%),
then exchange the borrowed USD1 for USDe and continue buying PT-USDe to compound the position.

Why is this so cost-effective?
The key is that Lista DAO's borrowing cost is extremely low.
Others might pay 5%-10% interest, but here it's only 1%-2%, and the saved interest almost becomes profit.
The operation is also simple:
1. Collateralize your BTCB/ETH/BNB or buy PT-USDe on Lista
2. Borrow USD1 (remember to choose the market with the lowest interest rate)

4. Sit back and collect the interest spread

This isn't a complicated DeFi strategy; it's more like a clever way to save money by exploiting interest rate differences across platforms.
If you happen to have idle blue-chip tokens or are looking for stable income methods, this arbitrage opportunity is worth trying.
Before interest rates change, early movers are already quietly earning.
No need for frequent trading or constant monitoring—perfect for those who prefer stability and want to maximize returns.
Give it a try, and feel free to share your practical experience.