Have you ever seen lending platforms with annual interest rates of 8%, 10% and then quietly closed the app?

Here's an interesting contrast: some leading DeFi lending protocols actually have interest rates around 1%.

This is not accidental. The underlying logic is simple—when governance token holders control the interest rate pricing, the entire ecosystem's cost structure is completely rewritten.

**Who makes the decisions on traditional lending platforms?** The platform itself. You have no choice but to accept it.

**What about decentralized lending protocols?** If the community votes that "interest rates should be lowered to attract users," then the rates can be pushed down. Low interest rates are essentially a collective community decision.

So how does this ultra-low borrowing cost actually make money?

**First opportunity: cross-platform interest rate arbitrage**
Borrow stablecoins at 1% cost, deposit them into an exchange or other platform earning 10%+ annualized returns—this isn't high-level arbitrage, just pure interest rate transfer, with even lower risk.

**Second opportunity: maintaining growth**
Stake BNB or its derivatives, lend out funds at very low interest to mine, participate in liquidity mining, or other investments, while still holding the core assets. During a bull market, this approach maintains upside exposure while preserving liquidity flexibility.

**Third opportunity: governance dividends**
Locking governance tokens not only grants voting rights but also allows sharing in protocol transaction fees or other revenues. Your voting power is linked to your yield.

The core of this model is: governance rights shift from passive ownership to active income tools.