I used to scoff at financial management because there were just too many tricks, so when Binance released a so-called 20% annualized $USD1 financial product more than twenty days ago, I didn't even bother to take a look.

20%, still stablecoins, what a scam.

Until I couldn't stand letting my $BNB lie there gathering dust anymore, I only noticed this activity again while researching @ListaDAO and #slisbnb . So, in the early morning of 2026/11/16, I transferred all my 9.65576 BNB to my Binance wallet, exchanged it all for slisBNB, and then mortgaged slisBNB to borrow 5000 usd1 to participate in this activity

Now it's been over a day, how is the actual return?

1️⃣ The part of usd1 wealth management.

20% annualized return, mainly earning tiered returns, with a limit of 50000. The return starts counting from 08:00 (local time) the day after the subscription, and is distributed to the user's spot account between 08:00 and 16:00 (local time) on the following day (i.e., two days after the subscription).

I subscribed for 5000 on 2026-01-16 03:00:04, and at that time, there was still a balance of 253.92734401 in the account. The return started to count from 08:00 on the 16th, and I received the first interest of 2.87883965 at 12:21:21 on the 17th. The annualized return is indeed 2.87883965/(5000+ 253.927)*365=19.9998%

This event has been over 20 days, I didn't expect the interest rate to really not drop 🙉😲, I was shallow. It seems I need to have an open mind in the future and occasionally join the fun.

Unfortunately, there are only 7 days left for the event, I'm crying.

2️⃣ The interest for borrowing usd1 with slisBNB collateral.

The interest in the wallet is real-time.

I borrowed on 2026-01-16 02:51, and as of 2026-01-18 09:52, the borrowing interest is 0.9314, annualized 0.9314/5000/(55 hours 1 minute)*24 hours*365 days=2.96603%

Compared to the 19.9998% return, this interest is indeed very low.

My collateral rate is about 55%, currently 54.69%, so not considering the returns from slisBNB automatically participating in launchpool, holder airdrops, and staking on the bsc chain, the comprehensive annualized return is:

(19.9998%-2.96603%)*54.69%=9.31577%

If you add the 7% return of slisBNB, the total annualized return is 16.31577%.

Regarding slisbnb, see my two articles.

  1. When playing with BNB and slisBNB, these little tricks are really hard for lazy people to notice, but they can't escape the eyes of this seal

  2. ListaDAO and USD1 allow my BNB to be used in seven ways, it's really really too damn good

For those trapped by BNB, don't miss out.

#USD1理财最佳策略ListaDAO $LISTA