In DeFi lending, you might not have noticed a detail: different collateral assets have different lending interest rates. Take the Fluid lending protocol as an example, which offers users 15 different collateral options. If you plan to borrow ADA, the key is to compare the borrowing APR of each collateral asset and choose the one with the lowest cost. The benefits of doing so are obvious—when conducting DeFi operations within the Cardano ecosystem, carefully selecting the collateral type can significantly reduce your financing costs. Don't underestimate this detail; over the long term, it can save you a lot of money.