An interesting observation: truly excellent engineers never rely on diplomas to speak; they rely on whether they can solve real problems. This logic applies equally to crypto projects — don’t just look at who makes the biggest promises, but who is actually addressing users’ pain points.

Recently, I followed the developments of a leading BNB Chain lending protocol. There weren’t any grand press releases, but there was quiet effort in two directions. First, they lowered borrowing costs, with some lending rates dropping below 3%. During a bull market, many people hold mainstream tokens but lack liquidity to buy the dip or participate in new opportunities. Low-interest loans become a necessity — and this protocol offers a straightforward solution. Second, they integrated real-world assets, such as U.S. Treasuries and other traditional financial assets. Users can deposit stablecoins and earn a stable annualized return of 3%-5%.

It’s like debugging code — not about starting over, but iterating to make the product run faster and more comfortably.

Let’s look at what these two features are solving. In a bull market, retail investors are most concerned about two issues: how to obtain low-cost loans while holding tokens, and how to establish a stable base yield for highly volatile crypto assets. The protocol’s toolkit is very clear — pledge mainstream tokens to borrow, or invest stablecoins into RWA pools to earn yields. The token incentive design is also straightforward — locking tokens allows sharing in the protocol’s actual revenue, with current annualized incentives approaching 39%.

Looking at its roadmap, by the first half of 2026, it plans to expand further into Ethereum and diversify RWA asset categories. This isn’t about chasing trends, but like engineers optimizing a product — expanding the solution’s boundaries step by step along the core needs of “on-chain yield and lending efficiency.”