Lista DAO Adjusts Caps on APRs to Bring Stability to DeFi and Attract Institutional Investors

Lista DAO, a decentralized protocol for lending and stablecoins, has set a maximum annual percentage rate (APR) of 30% across all its borrowing platforms to help stabilize DeFi borrowing rates. This change, introduced as part of Interest Rate Model (IRM) v1.1, brings in a flexible cap for the slisBNB/BNB market, which is set at 70% of the average six-month yield for slisBNB. The goal of this modification is to maintain a fair balance between lender and borrower incentives while reducing the sharp price fluctuations that have previously caused instability in DeFi lending. According to the protocol’s governance, this step demonstrates a dedication to building a “predictable, equitable, and user-centric borrowing experience” Lista DAO (LISTA) introduces 30% APR ceiling to curb borrowing costs [ 1 ].

The slisBNB/BNB market, which plays a central role in Lista DAO’s ecosystem, now uses a yield-based cap to ensure borrowing rates reflect the performance of slisBNB, a liquid staking asset for Binance Coin. By linking the APR to slisBNB’s historical returns,

aims to avoid excessive borrowing costs during times of high demand. This approach keeps incentives in check, promoting market stability while still supporting liquidity. The 30% APR limit now applies to all other markets as well, giving both borrowers and lenders a unified standard Lista DAO (LISTA) introduces 30% APR ceiling to curb borrowing costs [ 1 ].

At the heart of Lista DAO’s platform is its lisUSD stablecoin, which is pegged to the US dollar and can be borrowed by providing collateral such as

, ETG, wBETH, and slisBNB. By integrating with BNB Chain, the protocol lets users benefit from liquid staking yields while still having access to stablecoin liquidity. With a $74 million market cap, lisUSD is modeled after MakerDAO’s system but features changes to reduce the risk of losing its peg. By focusing on both stablecoin functionality and liquid staking, Lista DAO positions itself as a strong contender in the Binance Smart Chain and ecosystems Lista DAO (LISTA) introduces 30% APR ceiling to curb borrowing costs [ 1 ].

Despite this significant update, LISTA, the governance token for Lista DAO, has experienced downward momentum in line with the broader market. On September 25, 2025, LISTA was valued at $0.2852, a drop of more than 10% in just 24 hours, mirroring a general decline in the crypto market. The total crypto market capitalization slipped below $3.8 trillion, falling by 2% in a single day. Although experts remain positive about the long-term outlook, short-term volatility continues, with forecasts indicating a possible 25.22% decrease to $0.217488 by October 25, 2025 Lista DAO Price Prediction 2025, 2026-2030 - CoinCodex [ 2 ].

The IRM v1.1 update highlights Lista DAO’s proactive approach to the unpredictable nature of DeFi, especially the fluctuating borrowing costs that can discourage institutional involvement. By placing a cap on APRs, the protocol hopes to appeal to a wider audience, including traditional financial players looking for reliable and transparent lending solutions. This initiative is in line with broader industry movements, such as the U.S. GENIUS Act, which seeks to clarify regulations for stablecoin issuers. While Lista DAO is not subject to U.S. regulations, its emphasis on stability is similar to the objectives of federally regulated stablecoin projects like Anchorage Digital’s USA₮ Tether Launches USAT Stablecoin in the U.S.: Here Is How It Could … [ 3 ].