Recently, there has been a noteworthy development— a major mainstream BNB ecosystem lending protocol completed system-level optimization on January 16th. The most immediate change is a comprehensive reduction in borrowing costs, with fixed-term product interest rates dropping to around 2.74%, which indeed saves a lot of procedural costs for users who interact frequently.

Even more interesting is that the RWA sector just went live, directly introducing U.S. Treasury bonds and institutional bonds, meaning users can configure traditional asset yields on-chain. Coupled with the protocol's liquidity mining mechanism (annualized yield of about 38.8% for single staking), it forms a relatively complete yield ecosystem—low-cost borrowing + stablecoin yields + on-chain asset allocation.

From a logical perspective, this is not just parameter adjustment but the construction of a more sustainable revenue model. If the market continues at this pace into 2026, similar DeFi lending + RWA hybrid strategies could become standard operations for stablecoin holders.