Want to do on-chain wealth management but afraid of risks? For investors who can tolerate moderate to high risk, DeFi lending platforms are not just simple wealth management tools—they are actually a lever on the chain.

The core idea is not complicated: when the lending interest rate is lower than the yield on your staked assets, this interest rate difference becomes an arbitrage opportunity. By repeatedly staking, borrowing, and restaking in cycles, you can grow your initial principal like a snowball.

Taking BNB and stablecoins as two mainstream assets, their operational logic is completely different. One is a main public chain token, and the other is a value-pegged stable asset. Combining their respective characteristics, we can design different cycle strategies. Some people have used this approach to push capital efficiency to an APY of 24%.

Of course, the premise is that you truly understand the lending mechanisms involved, otherwise you might just become the one who gets liquidated.