In the BNB Chain DeFi ecosystem, there is a lending protocol that, with a peak TVL of $4.3 billion and an efficient operational mechanism, has become a "cash machine" for many on-chain users. Its core strategy is simple—extremely low borrowing rates combined with high-yield stablecoin investments, creating a revenue channel for users holding mainstream assets like BTCB, ETH, BNB, and others. In plain terms, it revitalizes your idle blue-chip assets by using collateralized borrowing and yield farming, allowing you to earn a stable annualized spread of over 18%.

Backed by a leading fund with a $10 million investment, this protocol holds a central position within the BNB Chain stablecoin ecosystem. What does this mean for token holders? Ample liquidity, minimal slippage, manageable risk—truly actionable arbitrage opportunities.

**How to operate? It’s just three steps:**

**Step 1: Prepare assets and wallets**

Transfer BNB, BTCB, or ETH from your exchange account to wallets supporting BNB Chain like MetaMask or Trust Wallet. Why these three? Because they have the strongest on-chain liquidity and relatively moderate volatility. The collateralization ratio in this protocol can reach 70%—which is already quite friendly in DeFi terms.

For example: $100,000 worth of BNB. As the core asset of the BSC ecosystem, it’s highly recognized. Using it as collateral avoids issues with excessive discounts.

**Step 2: Collateralize assets and borrow stablecoins**

Enter the protocol’s lending module, select your blue-chip asset to collateralize, and the system will automatically calculate how much you can borrow. Collateralizing $100,000 worth of BNB at about 1% annualized borrowing rate (which is very low in the industry), the annual interest cost is just over $1,000.

**Step 3: Invest and earn yields**

Transfer the borrowed stablecoins to a top-tier yield platform for fixed or flexible-term interest. Currently, stablecoin yield annual rates fluctuate between 16-20%. The difference is your arbitrage space.

**A quick calculation makes it clear:**

Collateralize $100,000 BNB → Borrow $70,000 stablecoins → Assume 18% annual yield on yield farming → $12,600 annual interest; Borrowing cost at 1% annualized → $700; **Net profit margin: $11,900, equivalent to an additional 11.9% return**.

This process is especially friendly for beginners, with no complicated operations. Plus, because it’s an over-collateralized model (collateralizing $100 to borrow about $70), even with price fluctuations, liquidation is unlikely. As long as the collateralization ratio stays above 100%, your assets remain safe.

However, it’s important to note that while this arbitrage model appears stable, DeFi still carries risks—smart contract vulnerabilities, market volatility, liquidity risks, etc. It’s recommended to start small, familiarize yourself with the process, and scale up gradually. Also, regularly monitor your collateralization ratio; if BNB or other blue-chip tokens drop significantly, top up your collateral promptly.

For users holding blue-chip assets but not interested in short-term trading, this approach offers a relatively safe way to grow assets. Idle assets are just sitting there—why not make them generate cash flow instead of just watching?