2026-01-11 09:20:54

#美国贸易赤字状况 💥Market rumors suggest the Federal Reserve may cut interest rates significantly, and some are already itching to borrow and jump on the bandwagon. But have you ever wondered what will happen when everyone FOMO rushes in?

On-chain lending protocols like Lista DAO never have fixed interest rates. They are automatically determined by the supply and demand within the protocol’s liquidity pools. The algorithm has no emotions; it only looks at data. When borrowing demand surges and the liquidity pool is instantly drained, the system automatically triggers a "interest rate penalty mechanism"—this is not a threat, but the true logical behavior of on-chain code.

Can you imagine? One morning, waking up to find your borrowing cost soaring from 1% directly to over 10%. Positions sustained by a tiny interest margin are wiped out at that moment, and may even turn into losses. After a month, there’s nothing left.

My simple advice: before leveraging up, ask yourself a honest question—“If interest rates suddenly spike to 10%, can my account survive?”

Perform a stress test and calculate the worst-case scenario clearly. Don’t be blinded by expectations of rate cuts. On-chain data doesn’t lie, and on-chain algorithms won’t show mercy.

👇 Share your thoughts in the comments: Will you follow the trend of rate cut speculation and leverage up, or trust the stress test results to stay rational?

View Original

This page may contain third-party content, which is provided for information purposes only (not representations/warranties) and should not be considered as an endorsement of its views by Gate, nor as financial or professional advice. See Disclaimer for details.

10 Likes

Reward
10
5
Repost
Share

Comment

0/400

TokenomicsTherapist

· 59m ago

Really, every time an interest rate cut is expected, the people in the group go crazy. When the interest rate skyrockets from 1% to 10%, I can't bear to watch the scene. --- Stress testing is easy to talk about, but how many actually do it? Most people are just gambling. --- The Lista mechanism is solid; when supply can't meet demand, interest rates soar directly, with no room for compassion. --- Sleeping and having your interest multiply tenfold—think carefully before taking action. --- FOMO is always the most expensive tuition; before leveraging, you really need to consider the worst-case scenario. --- On-chain algorithms won't soften just because you lose money—that's the most realistic point.

View OriginalReply0

SatoshiLeftOnRead

· 01-11 09:39

It's the same pattern again: every time there's a rate cut, a bunch of people rush in, and only when interest rates soar do they start crying and complaining.

View OriginalReply0

TestnetNomad

· 01-11 09:36

You're so right. I’ve fallen for this before—thinking a 1% interest rate was a dream, only to wake up and find it at 8%, leading to a liquidation. Not following the trend and conducting stress tests really saved my life. Those caught up in this FOMO are probably going to get beaten again. When the interest rate suddenly skyrocketed, I was completely stunned. I no longer believe in the dividend from rate cuts. Only by calculating the worst-case scenario do I dare to bet; otherwise, it’s just giving away money. Watching others leverage really makes me itchy, but I choose to stay alive and walk away.

View OriginalReply0

LiquidationKing

· 01-11 09:32

Interest rates soaring from 1% to 10%+? That's the real cost of FOMO. After the thrill, just wait for liquidation.

View OriginalReply0

FrogInTheWell

· 01-11 09:23

Starting to tell old stories again, it's always the same, people are FOMO to the end. Forget it, no one has ever really done a stress test anyway. Interest rates soaring to 10%? We would have been liquidated long ago haha. This time should be different... no, I just thought of the last time again. When it comes to borrowing money, rushing in blindly or carefully calculating, the end result is the same. Learn from the lessons? No one will, and I won't either.

View OriginalReply0