Many people hold crypto assets but only understand one word: HODL. But did you know that your coins can actually actively generate income for you.

Recently, my friend Xiao A was "awakened" by me. He said he bought some BNB and just left it on the exchange to gather dust. I asked him, besides appreciating in value, can BNB also "generate interest" on its own?

He looked confused.

I explained a concept to him. Imagine a place that is both like a bank and a wealth management platform, called Lista DAO. You deposit BNB there, and the system generates a "deposit certificate," officially called slisBNB. This deposit certificate represents your rights to the BNB you deposited, and can bring you about 7% annual passive income. Sounds pretty good, right? But the magic is just beginning.

This "deposit certificate" is itself a valuable asset within their system. You can use it as collateral to borrow stablecoins—for example, borrowing stablecoins worth $100. The entire process is almost instant, with no complicated approval.

Xiao A asked, "What do I do with the borrowed stablecoins? I don’t lack USD."

That’s the beauty of it. The stablecoins you borrow can be immediately invested into various wealth management products on their platform to continue earning returns. For example, their recently launched "On-Chain National Debt" product offers an annualized yield of 3.65%. If you’re feeling more adventurous, you can try liquidity mining or token pair trading, which can easily yield over 20% annually. With this approach, your money can be split into multiple streams of income.

Of course, Xiao A still has some concerns. DeFi products sound powerful, but what about the risks? Are they really safe?

I have to be honest with him: no DeFi platform is risk-free. For example, during the major market adjustment in November 2025, this platform experienced a $3.5 million collateral liquidation event. But the key is that they are improving. Their newly launched on-chain national debt product essentially digitizes real U.S. Treasury assets via blockchain, in deep cooperation with professional financial institutions. Although the yield is only 3.65%, which doesn’t seem high, this type of product is relatively stable, with a risk framework closer to traditional finance logic. From a certain perspective, this platform has upgraded from a "peer-to-peer lending model" to a "digital financial group" structure, becoming more regulated.

My advice is, instead of leaving BNB idle on the exchange account with no returns, it’s better to allocate a small portion of your funds to experience these platforms—treat it as making your assets work for you. The prudent approach is to start small, gradually increase, and continuously learn about the platform’s risk mechanisms. Once you understand the operation logic, you’ll be able to judge what amount of funds is suitable for what risk level of products.

In summary, passive holding is just one option. Actively making assets flow within the on-chain financial ecosystem and generate income—that’s the real way to make your money work for you.