People holding blue-chip assets like BTC, ETH, BNB often face a common dilemma: the market is highly volatile, selling might lead to losses, but holding feels like idle waste. Traditional bank savings offer pitifully low returns, while some DeFi protocols in the crypto world can make assets "earn passively." Especially within ecosystems like BNB Chain, through a combination strategy of liquid staking and decentralized stablecoin lending, blue-chip assets can achieve near risk-free yield stacking.

Taking an open-source protocol focused on LSDfi (Liquid Staking Derivative Financial Products) as an example, by the end of 2025, the total value locked (TVL) in BNB Chain's DeFi had exceeded $5 billion, but there was still plenty of room for growth in the lending market share. The cleverness of such protocols lies in combining liquid staking derivatives with over-collateralized lending.

How does it work specifically? First, your BNB can be converted into a liquidity token (similar to slisBNB). The benefit of this is that you can earn native staking rewards on BNB while keeping your assets liquid and not locked up. Then, you use this liquidity token as collateral to borrow a decentralized stablecoin (similar to lisUSD). This stablecoin can be re-invested into other DeFi strategies or withdrawn directly.

The brilliance of this structure is that you don't need to sell any assets—instead, you borrow at low cost while earning staking rewards and lending spreads. For those who are long-term bullish on BNB but want to extract additional yield, this combo truly changes the game—turning blue-chip assets from passive holdings into actively earning financial tools.