BlockBeats News, 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 a non-collateralized financing channel. This product allows users to borrow at any time based on cash flow needs, attempting to break through the current DeFi lending model that mainly relies on over-collateralization.
According to official information, Lista Credit uses a token incentive mechanism to support repayments. Borrowers can reduce repayment costs through daily and weekly LISTA incentives, and it also supports borrowing and repaying with stable assets like USDT to enhance flexibility in fund usage.
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.
Disclaimer: The information on this page may come from third parties and does not represent the views or opinions of Gate. The content displayed on this page is for reference only and does not constitute any financial, investment, or legal advice. Gate does not guarantee the accuracy or completeness of the information and shall not be liable for any losses arising from the use of this information. Virtual asset investments carry high risks and are subject to significant price volatility. You may lose all of your invested principal. Please fully understand the relevant risks and make prudent decisions based on your own financial situation and risk tolerance. For details, please refer to
Disclaimer.
Related Articles
Cardano promotes stablecoin USDCx, aiming for direct withdrawals without bridges
Input Output Group (IOG) has clarified its strategy for expanding stablecoin integration on Cardano through the USDCx infrastructure. This system, backed 1:1 by USD Coin in Circle's xReserve smart contract, enables various DeFi activities, targeting direct USDC withdrawals to enhance liquidity without relying on bridges. IOG emphasizes that USDCx is a long-term upgrade for Cardano's financial infrastructure.
TapChiBitcoin1h ago
X Money Account Opening Process Revealed: Complete in Less Than 1 Minute, Supports Facial Recognition Verification
Crypto KOL AB Kuai.Dong revealed the account opening process for X Money. Users only need to enter basic information to open an account within 1 minute. X Money supports virtual and physical cards, offering withdrawal and spending functions, with a transfer limit of $1,000,000 and a withdrawal limit of $100,000.
GateNews2h ago
CEO BitGo: Crypto company has a structural advantage in the digital asset custody race
Mike Belshe, CEO of BitGo, highlights the structural advantages of native crypto companies in digital asset custody, contrasting with traditional banks' conflicts of interest. BitGo generates over 80% of its revenue from stable custody fees, recently receiving a federal banking license. As of September 2025, BitGo is safeguarding $104 billion in assets for over 4,900 institutional clients globally.
TapChiBitcoin4h ago
AI and the Operational Challenges of DeFi Funds
Crypto liquidity funds are rapidly growing as institutional investors show increased interest in digital assets and DeFi strategies. However, many fund managers still rely on inefficient tools like spreadsheets for portfolio tracking across various exchanges and protocols. The complexity of DeFi activities complicates accurate performance and risk assessments, highlighting the need for AI solutions to automate protocol classification and portfolio analysis.
TapChiBitcoin4h ago
Ripple’s Global Payments Expansion Strengthens XRP’s Institutional Role
Ripple’s global payments network is rapidly expanding as financial institutions increasingly seek full-service blockchain infrastructure partners, positioning Ripple’s ecosystem and XRP liquidity framework at the center of next-generation cross-border finance.
Ripple’s Expanding Payments Network
Coinpedia4h ago
Polkadot to Reset Tokenomics on March 12 With Major DOT Supply and Staking Changes
Polkadot will introduce a new monetary framework on March 12 that sets DOT’s supply cap at 2.1 billion and lowers emissions by 53.6%.
The overhaul will also create a Dynamic Allocation Pool and shorten the DOT unbonding period from 28 days to 24–48 hours.
On March 12, Polkadot will reset
CryptoNewsFlash9h ago
