2026-01-18 00:24:10

Is your BTC just sitting in your wallet "playing dead"? Actually, it can be more valuable.

Many Bitcoin holders share the same obsession: to preserve their coin quantity, they prefer to give up any cash flow. But this is actually a missed opportunity. Using lisUSD lending protocols, your BTCB can achieve two goals at once—holding coins and earning interest. It’s not a matter of faith; it’s just an accounting game.

**How does it work? Let’s look at the specific numbers:**

Step 1: Lock 1 BTCB into the lending protocol. BTCB has the highest risk control level on-chain and the best liquidity, meaning you can use a loan-to-value ratio of 50%-60%, which is quite generous.

Step 2: Borrow about 30,000 stablecoins at an ultra-low interest rate of around 1% (assuming BTC=60k). This rate is indeed cheap.

Step 3: Exchange the stablecoins for USDT or other mainstream coins and deposit them into a top-tier exchange.

Step 4: Invest in financial products. During a bull market cycle, annualized returns on stablecoins often reach 15%-20%.

**How does the accounting work?**

Loan cost: 30,000 × 1% = $300.
Financial income: 30,000 × 20% = $6,000.
Net profit: $5,700.

This $5,700 appears out of nowhere. You didn’t sell BTC, didn’t take on the risk of missing out, just exploited the interest rate difference between on-chain low interest and off-chain high interest. Big players get richer because their BTC is working; yours is sleeping.

**Risks to watch out for:**

BTC price is key. If it drops more than 30%, you need to redeem some funds to repay the debt, lowering your loan ratio. As long as you don’t get liquidated, this strategy remains the most stable passive income model on-chain.

BTC-0,18%

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0xSunnyDay

· 12h ago

Sounds good, but a 20% increase in a bull market—what about a bear market? This logic easily fails in extreme market conditions.

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FOMOmonster

· 12h ago

Sounds good, but I still feel like the risks aren't emphasized enough. Redeem when it drops 30%? When the market suddenly turns, you just can't react in time.

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CrossChainMessenger

· 12h ago

Sounds good, but this logic must be a nightmare in a bear market... --- Borrow 1% interest to earn 20%? That spread sounds so awesome, but why does it feel like the risk is hidden so deeply? --- My coins are just for lying around, why do I have to go through such complicated operations? --- Interest rate arbitrage is always played this way. Big players definitely earn more, that's the reality. --- A 30% drop and you have to repay the debt. This red line is a bit tight. --- Really? lisUSD is so cheap? I haven't heard of this protocol. --- BTC sleeping vs BTC working, this comparison really hits home haha. --- Making $5700 for free sounds tempting, but you have to keep an eye on your positions all the time, which is a bit tiring. --- Forget it, I still prefer to keep it simple and straightforward. I can't play this kind of arbitrage. --- If BTC drops more than 30%, not only will the gains disappear, but the principal will also be discounted... --- On-chain low interest, off-chain high interest, the spread in between is always the way smart money makes money.

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WalletDetective