Many people tend to fall into the traditional financial planning framework when planning for retirement. But if you hold core assets like Bitcoin, there is actually another path worth exploring—creating stable cash flow through decentralized lending protocols.

I recently included Lista DAO in my retirement asset allocation plan. Simply put, the model works like this: first, convert part of your retirement savings into blue-chip crypto assets like Bitcoin and Ethereum, then lock them into the Lisa DAO protocol for collateralization. Each month, you can borrow a certain amount of USD1 stablecoins to supplement your living expenses. The best part is that the interest rates are extremely low, so the actual returns are quite good.

The biggest advantage of this approach is—you never need to sell your core assets. Imagine in an era of persistent inflation, maintaining exposure to Bitcoin while regularly generating cash flow to support daily life—this is indeed a smarter approach in financial planning.

However, whether this approach works ultimately depends on the reliability of the protocol itself. I spent a lot of time observing Lisa DAO’s operational logic, team decision-making, and security mechanisms. Honestly, their efforts in system design are visible, and their steady, long-term progress aligns with my risk control expectations. Especially in terms of security, their execution makes it truly reassuring.

What’s more exciting is that this ecosystem is continuously expanding. In the future, if more traditional asset classes can be integrated, the entire planning framework will become more complete and flexible. Currently, participating is somewhat like a bottom-fishing opportunity—being able to discover such practical tools early on feels quite fortunate.

Overall, Lista DAO is not just a speculative asset; it’s more like a handy tool in the asset allocation toolbox. For those looking to build diversified income streams, this path is definitely worth serious consideration.