Lista Lending

Lista Lending is a fully decentralized and permissionless P2P lending protocol crafted for BNB Chain, breaking free from the constraints of traditional large-pool lending to cultivate a more inclusive and resilient ecosystem.

Lista Lending’s core revolves around a vault-based system, pooling liquidity and dynamically allocating it across different lending & collateral pairs, which we call markets, based on supply and demand.

Core Components

Collateralization

Borrowers must deposit supported crypto assets as collateral into a market of their choosing to unlock a borrowing capacity proportional to the collateral’s value (LTV ratio) from the market.

Liquidation Loan-To-Value (LLTV)

When the value of the borrowed assets reaches a certain percentage of the collateral value (e.g. 90%), the collateral is considered insufficient and the borrower is at risk of being liquidated.

Borrowing

The borrower specifies the amount of assets they wish to borrow from the market and provide the required collateral.

Interest Rates

The borrower pays interest at an agreed-upon interest rate model, which accumulates over time and is paid at the time of repayment.

Repayment

The borrower can return the loan principal and interest at any time and retrieve the collateral after the transaction is confirmed.

Liquidation Mechanism

If the value of the borrowed assets exceeds the liquidation loan-to-value ratio (LLTV) set in the market due to market fluctuations or interest accrual, the pasition may be partially or fully liquidated.

Lending

The Lender (supplier) deposits a certain amount of assets into the vault or market and the corresponding vault/market lends these assets to the borrower and receives interest yields.

Withdrawal

The Lender can withdraw the deposited assets and interest at any time (subject to market liquidity).