The key to earning passively is to find a sustainable revenue loop. For users holding BNB, there's a strategy worth paying attention to: first, stake BNB and convert it into liquid staking tokens, which can lock in a stable return of 8.95%-12%. This portion of the yield is fixed. Then, use this staking certificate to borrow USD1, with a borrowing cost of only 0.84%—this interest rate is indeed ridiculously low.

There are two options for the borrowed USD1: one is to deposit it into certain liquidity pools to earn an additional 7%-12% interest, fully covering the borrowing cost with surplus; the other is to use it when needed, while the staked BNB yield continues to accrue. The key detail is that both the staking rewards and the generated interest can be withdrawn, reinvested into pools, or exchanged for more BNB to restake, forming a self-sustaining cycle.

Data speaks—by 2025, the total locked BNB increased by 112% year-over-year, indicating that quite a few people are using this model. Why? Because unlike traditional financial compounding, each link here is backed by real assets: the USD1 stablecoin ensures no sudden crashes, staking yields are verified on-chain as fixed income, and airdrops and ecosystem benefits are also certain.

This passive income system appeals to different groups. Professionals with idle funds can use it for value appreciation without constantly monitoring the market; those seeking stable retirement savings are also suitable. The difference lies in the scale of investment and risk tolerance. The core logic is: don’t sell your holdings. By combining staking and lending, assets can generate on-chain income automatically, avoiding the internal friction of frequent operations.