**The Second Layer of Asset Returns**

Holding crypto assets but only thinking about holding them is outdated. True financial experts are playing a game: making assets work two jobs at once.

Protocols like ListaDAO are doing just that. They break the old mindset—your assets are no longer a binary choice. Staking can generate yields, but it seemed like the staked assets were frozen? Not anymore.

**The mechanism is simple, and the effect is impressive**

Here's how it works: you stake your assets to earn yields, then use the staking certificate to borrow money. The borrowed funds are reinvested into the market or other strategies. In other words, the same asset is working while still "working" for you.

This logic is called the separation of ownership and usage rights. You still own the assets, but their usage rights are fully utilized. The entire ecosystem thus releases more liquidity space.

**Security is no joke**

Sounds risky? Actually, not really. Mature protocols use transparent on-chain rules and over-collateralization as two lines of defense. Risks are controllable, and yields are visible.

**The ecosystem is expanding**

These protocols are not isolated; they are continuously interacting with other DeFi protocols, building a relatively complete financial service network. From theory to practical application, they are already operational.

**Finally, I want to say**

This set of tools addresses an eternal problem in finance: how to make money flow more efficiently. Instead of passively waiting, it's better to actively learn how to use these tools. This might be the simplest way to adapt to future finance.