Cryptocurrency markets are highly volatile, and many people are looking for more stable investment options. Recently, an interesting idea has emerged—using layered design to match investors with different risk preferences.

Taking Lista DAO's USD1 investment system as an example, the bottom layer consists of RWA and PSM modules, offering low-risk and highly certain returns, suitable for those looking to lock in large amounts of funds for the long term. The middle layer is the slisBNB liquidity staking scheme, where BNB holders can enjoy appreciation of the base currency as well as an annualized yield of 8.95%-12%, making it attractive to conservative investors. The top layer features curated vaults and third-party strategy aggregations, with historical APYs reaching up to 18%, providing an advanced pathway for high-risk-tolerant players.

$LISTA, as the ecosystem token, runs through the entire lending, staking, and governance processes. Holding it not only allows participation in DAO governance but also gradually unlocks access to more high-yield strategies, making this design relatively balanced.

Honestly, this pyramid-like layered mechanism is quite interesting—beginners can start from low-risk options to gain experience, while seasoned players have ample room to explore higher yields. The key is to choose strategies according to your risk tolerance and capital scale, and avoid blindly chasing high APYs.