According to @justinsuntron, Lista DAO outlined a three-step path to earn around 20% on UTechStables $U by collateralizing BTCB, slisBNB, PT-USDe, or solvBTC, borrowing U at rates as low as 0.04%, and depositing the borrowed U into HTX Earn. Sources: Justin Sun X post https://twitter.com/justinsuntron/status/2009884934467661867; Lista DAO X post https://x.com/lista_dao/status/2009598218552725744 The Lista U Vault on BSC is provided for borrowing U against supported collateral. Source: Lista U Vault page https://lista.org/lending/vault/bsc/0x9a17fd5cb8efc25d11567e713ae795a89775a759?tab=vault&utm_source=x&utm_medium=promo&utm_campaign=1.9 The +20% yield is presented as an HTX Earn offering for U and linked by Lista DAO. Sources: Lista DAO X post https://x.com/lista_dao/status/2009598218552725744; HTX Earn product page https://www.htx.com/en-us/financial/earn/h5/newDetail?activeTab=1 Based on the stated 0.04% borrow and +20% deposit rates, the implied gross carry spread is approximately 19.96% before platform fees or program terms, constituting a collateralized borrow-to-earn carry trade between Lista lending and HTX Earn. Sources: Lista DAO X post https://x.com/lista_dao/status/2009598218552725744; HTX Earn product page https://www.htx.com/en-us/financial/earn/h5/newDetail?activeTab=1