Many people shy away from on-chain lending, trembling at the mention of liquidation. In fact, as long as you understand the risk control logic, lending is the most flexible way to manage funds.

Taking BNB as an example, if you deposit 1000 yuan, the system gives you a borrowing limit of 600 yuan. Smart users won't use it all—only borrowing 400 yuan, leaving 200 yuan as a safety cushion. In this way, even if BNB drops by 30%, you remain safe and sound.

The key is to keep an eye on the health factor number. It can be viewed directly on the interface; usually, a value greater than 1.0 is considered safe, but I recommend maintaining it above 1.5. Once it approaches the 1.2 warning line, either deposit more collateral or repay part of the loan. Act quickly—don't wait.

One last tip: never use up your entire limit. This is not being stingy; it's survival wisdom. Keeping some space in reserve allows you to respond calmly to market fluctuations.

By following these three points, on-chain lending transforms from a risk bomb into a useful tool. Using low-cost funds to operate while maintaining good sleep quality—that's the realm DeFi players should aim for.