Want to invest in BNB but don't want the hassle? Actually, there's a pretty stable approach—collateralized lending.

The core logic is simple: lock BNB into a lending protocol, borrow stablecoins to invest, and combine the yields from both sides. Especially for conservative investors, this strategy has manageable risks and decent returns.

Why choose BNB? First, BNB itself has high liquidity and relatively moderate volatility, giving it natural advantages as a native on-chain asset. Second, the key is the borrowing cost—some protocols in the industry can offer interest rates as low as 0.84%-2.05%, which is much cheaper than the typical 4%-5% for similar products.

Do the math and you'll see: collateralize $10,000 worth of BNB and borrow $7,800 in stablecoins. With a financial product yielding 13.5% last year, that could earn over $1,000 in a year. Meanwhile, your borrowing cost is only about $65 to $160 annually. Net profit? Close to $1,000, with an annualized return exceeding 9.8%. That's already quite good for conservative allocations.

As for risks, the protocol has a flexible collateral ratio mechanism. It's recommended to keep it above 150% to effectively avoid liquidation in extreme market conditions. Plus, with stablecoins being 100% cash-equivalent reserves as a baseline safeguard, the overall strategy remains secure.

These types of lending protocols have been validated by the market over the long term, managing assets in the hundreds of billions of dollars, indicating high participation and recognition. For those looking for steady gains without big swings, this approach is worth considering.