Is the threshold for DeFi really that high? Not necessarily. If you're interested in on-chain finance but don't want to dive straight into complex smart contracts, you might start exploring with Lista DAO.

What’s the most direct benefit? You can collateralize the tokens you hold and then borrow USD1— a stable asset pegged to the US dollar. In other words, you don't have to sell assets with appreciation potential, and you can obtain liquidity to seize other market opportunities. The collateralized tokens can also continue generating yields, effectively putting your assets to work.

In terms of user experience, the platform's interface is quite user-friendly. Beginners can intuitively understand each step they are taking, and risk warnings are clear, preventing blind operations. The system is mainly deployed on BNB Chain, which means fast transaction speeds and low fees—very friendly for users who perform frequent transactions.

Regarding security, it adopts an over-collateralization model— to borrow 100 USD1, you need to deposit 150 worth of assets. While this design constrains borrowers, it also significantly reduces the overall system risk. The team itself has strong backing and is strategically focused on ecosystem development in the long term.

Finally, I want to mention the community atmosphere. Users are very active here, often sharing simple yet practical strategies, and questions are responded to quite quickly. The discussion style within the community is quite down-to-earth, not superficial.

Instead of pouring money into complex DeFi projects from the start, it’s better to use small amounts to experience Lista first. Feel the process of actively managing your assets, understand it clearly, and then increase your investment. This way, the learning curve is lower, and the gains can be greater.