ListaDAO launches on-chain credit lending system Lista Credit, focusing on unsecured loans

GateUser-6433627c · 2026-02-26T09:12:51+00:00

ListaDAO Launches Lista Credit, the first on-chain credit lending system that allows users to borrow without collateral, breaking through the traditional over-collateralization model. The system reduces borrowing costs through a token incentive mechanism, supports stable asset lending, and signals a shift in DeFi lending towards credit-driven models.

GateUser-6433627c

2026-02-26 09:12:51

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On February 26, according to official sources, DeFi protocol ListaDAO announced the launch of Lista Credit, claiming it to be the first on-chain credit lending system designed to provide users with non-collateralized financing options. This product allows users to borrow at any time based on their cash flow needs, attempting to break the current DeFi lending model that heavily relies on over-collateralization. According to official information, Lista Credit uses a token incentive mechanism to support repayments, enabling borrowers to reduce repayment costs through daily and weekly LISTA incentives. It also supports borrowing and repaying with stable assets like U, enhancing the flexibility of fund utilization. ListaDAO stated that this move marks a shift in DeFi lending from a “collateral-driven” to a “credit-driven” exploration. If successfully implemented, it could open new application spaces for on-chain consumer finance, operational financing, and cash flow management scenarios.

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