Lista Docs
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  • Introduction
    • Overview
    • Collateral Debt Position - lisUSD
      • Collateral
        • Classic collateral options
        • Lista Innovation Zone
        • Loan liquidation
      • lisUSD
        • Stable Pool - Price stability Module (PSM)
        • lisUSD Saving Rate (LSR)
        • D3M - Direct Deposit Module
        • Algorithmic Market Operations (AMO)
          • Current vs Expected Borrow Rates
        • lisUSD's liquidity
      • Technical Guide
    • Liquid staking - slisBNB
      • About slisBNB
      • Rewards and Fees
      • Technical Guide
    • Lista Lending
      • Vaults
        • How to create a vault
      • Markets
      • Borrowers & Suppliers
      • Interest Rate Model (IRM)
      • Fees
      • Liquidation
      • Oracle
      • Flash Loan
      • User Flow
    • Binance Launchpool: clisBNB
      • Minting clisBNB with slisBNB
    • BNB Validator: Lista DAO
    • Roadmap
    • FAQ
  • Governance
    • LISTA
      • LISTA distribution
    • veLISTA
      • veLISTA Summary
      • Lista DAO: Unlocking veLISTA Utility
      • veLISTA Locking mechanics
      • Governance
        • Governance proposal template
      • Protocol fees
      • veLISTA emissions
        • LP pools
      • Gauge Voting for veLISTA
      • veLISTA Bribe Market
      • Auto-Compounding
      • Permanent locking of LISTA (LIP-016)
      • Revenue / Cost
      • Analytics
  • User Guide
    • Collateral Debt Position
      • Provide collateral
      • Borrow lisUSD
      • Repay lisUSD
      • Withdraw collateral
      • Delegating clisBNB to your Binance web3 MPC Wallet
    • Liquid staking - slisBNB
      • How to swap for slisBNB
      • Mint slisBNB
      • Redeem BNB from slisBNB
      • Bridging slisBNB to Ethereum
    • Using Binance Wallet
      • Liquid staking BNB into slisBNB
      • Obtaining lisUSD
      • Trading on APX Finance
    • LISTA / veLISTA
      • Lock LISTA
      • Extend LISTA lock
      • Auto lock
      • Unlock LISTA
      • Claim Rewards
      • Staking external LP tokens on Lista DAO
      • Gauge Voting
  • Security
    • Audit Reports
    • Bug Bounty (Immunefi)
  • FOR DEVELOPER
    • Overview
    • LISTA Governance
      • Smart Contract
    • Collateral Debt Position
      • Mechanics
      • Flash Loan
      • Multi-Oracle
      • Smart Contract
    • Liquid Staking(slisBNB)
      • Mechanics
      • Cross-Chain Bridge
      • Smart Contract
    • clisBNB
      • Smart Contract
  • Lista Lending
    • Smart Contract
  • Partnerships
    • Brand Kit
    • Our Channels
  • Legal Disclaimer
    • Legal Disclaimer
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  1. Introduction
  2. Lista Lending

Markets

A Market is an isolated lending pool that pairs one collateral asset with one loan asset (eg; USDT/BNB). Each market operates independently, isolating risks to prevent spillover, and remains immutable after launch. Each vault can have multiple markets. Creating a market is permissionless.

Key features includes the following:

  1. One collateral asset, one loan asset per market

  2. Loan parameters are immutable

  3. Each market operates independently from one another

  4. Permission-less: New market doesn’t require governance vote to be created - more here

  5. Transparent Rules: Clear conditions for lending and borrowing

Permissionless Market Creation

A standout feature of Lista Lending is its permissionless market creation, enabling users to deploy isolated lending markets defined by key parameters. This approach diverges from traditional lending platforms and shifts the paradigm by empowering users to customize markets without centralized oversight.

Unlike conventional lending protocols, which:

  1. Mandate governance approval for listing assets or adjusting parameters.

  2. Aggregate assets into a single shared pool, distributing risk protocol-wide,

Lista Lending allows markets to operate independently, with parameters set at creation and managed flexibly through its upgradeable vault system.

Market Creation Mechanics

In Lista Lending, users can create a market by specifying:

  • Loan Asset: The asset to be lent or borrowed (e.g., lisUSD).

  • Collateral Asset: The asset securing loans (e.g., slisBNB).

  • Liquidation Loan-To-Value (LLTV): 80%

  • Oracle: Chainlink, Binance Oracle, Redstone, API3

  • Interest Rate Model: The protocol’s adaptive rate model, dynamically adjusting based on utilization.

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Last updated 27 days ago