In the DeFi market of 2026, a lending protocol has quietly accumulated over $3.1 billion in total value locked, becoming a new favorite on the BNB Chain. Many newcomers are curious—what exactly makes it stronger than veteran players like Aave and Venus? Let’s look at the data directly.

First, let's talk about the cost of borrowing. Borrowing USDT on Aave, the interest rate has remained above 5% year-round. Venus’s BNB loans aren’t much better, fluctuating between 4-6%. But this new protocol announced a comprehensive rate cut on January 16—fixed lending rates are now locked at 2.74%, and CDP loans are as low as 3.41%. The most impressive is their PT-USDe market, where borrowing USD1 costs only 1.98% interest. For those looking to mine arbitrage or release liquidity, this is almost the cheapest funding cost available right now.

Next, let’s look at staking. Their liquid staking product, slisBNB, offers an annualized yield of 7.13%, and it doesn’t lock your assets—you can use them for collateralized borrowing at any time. Aave’s stETH requires cross-chain transfers, and gas fees can bite unexpectedly; Venus doesn’t have native staking products at all. Even better, slisBNBx automatically benefits from exchange launchpool airdrops, with some pools reaching an annualized yield of 18%. The combined returns are indeed substantial.

In terms of risk control and usability, this protocol supports multiple collateral types, with a minimum collateral ratio designed to be understandable even for beginners. Compared to the complex rules of other platforms, its operation logic is more straightforward. For those wanting to lend, borrow, or earn yields on the BNB Chain, this combination truly offers a competitive edge.