# 📈AF1.0 Interest Rate Model

Last updated

Last updated

Persuant to AIP-25's resolution, some LYF positions following migration batches were force-closed, and all lending assets were migrated to AF2.0 lending pools. You can claim ibTokens corresponding to their assets on AF2.0. Thus, some parts of this page is only a referenced information before the migration.

We employ a triple-slope interest rate model to determine the borrowing interest rate. See details below:

**Lending Interest = Borrowing Interest * Utilization * ( 1 - Lending Performance Fee)**

BNB Chain's Lending pool

ALPACA's Borrowing Interest Rate

Utilization Range | Interest rate at min. range | Interest rate at max. range | m | b |

0% - 60% | 0% | 20% | 0.333 | 0 |

60% - 90% | 20% | 20% | 0 | 0.2 |

90% - 100% | 20% | 40% | 2 | -1.6 |

CAKE's Borrowing Interest Rate

Utilization Range | Interest rate at min. range | Interest rate at max. range | m | b |

0% - 80% | 0% | 20% | 0.25 | 0 |

80% - 90% | 20% | 20% | 0 | 0.2 |

90% - 100% | 20% | 150% | 13 | -11.5 |

BNB's Borrowing Interest Rate

Utilization Range | Interest rate at min. range | Interest rate at max. range | m | b |
---|---|---|---|---|

0% - 50% | 0% | 10% | 0.2 | 0 |

50% - 90% | 10% | 10% | 0 | 0.1 |

90% - 100% | 10% | 40% | 3 | -2.6 |

BUSD's Borrowing Interest Rate

Utilization Range | Interest rate at min. range | Interest rate at max. range | m | b |
---|---|---|---|---|

0% - 30% | 0% | 8% | 0.267 | 0 |

30% - 90% | 8% | 8% | 0 | 0.08 |

90% - 100% | 8% | 40% | 3.2 | -2.8 |

USDT's Borrowing Interest Rate

Utilization Range | Interest rate at min. range | Interest rate at max. range | m | b |
---|---|---|---|---|

0% - 40% | 0% | 8% | 0.2 | 0 |

40% - 90% | 8% | 8% | 0 | 0.08 |

90% - 100% | 8% | 40% | 3.2 | -2.8 |

USDC's Borrowing Interest Rate

Utilization Range | Interest rate at min. range | Interest rate at max. range | m | b |

0% - 60% | 0% | 20% | 0.333 | 0 |

60% - 90% | 20% | 20% | 0 | 0.2 |

90% - 100% | 20% | 40% | 2 | -1.6 |

TUSD's Borrowing Interest Rate

Utilization Range | Interest rate at min. range | Interest rate at max. range | m | b |

0% - 60% | 0% | 20% | 0.333 | 0 |

60% - 90% | 20% | 20% | 0 | 0.2 |

90% - 100% | 20% | 40% | 2 | -1.6 |

BTCB's Borrowing Interest Rate

Utilization Range | Interest rate at min. range | Interest rate at max. range | m | b |

0% - 60% | 0% | 20% | 0.333 | 0 |

60% - 90% | 20% | 20% | 0 | 0.2 |

90% - 100% | 20% | 40% | 2 | -1.6 |

ETH's Borrowing Interest Rate

Utilization Range | Interest rate at min. range | Interest rate at max. range | m | b |

0% - 70% | 0% | 20% | 0.286 | 0 |

70% - 90% | 20% | 20% | 0 | 0.2 |

90% - 100% | 20% | 40% | 2 | -1.6 |

Fantom's Lending pool

FTM's Borrowing Interest Rate

Utilization Range | Interest rate at min. range | Interest rate at max. range | m | b |
---|---|---|---|---|

0% - 85% | 0% | 17.5% | 0.206 | 0 |

85% - 90% | 17.5% | 17.5% | 0 | 0.175 |

90% - 100% | 17.5% | 150% | 13.25 | -11.75 |

USDC's Borrowing Interest Rate

Utilization Range | Interest rate at min. range | Interest rate at max. range | m | b |
---|---|---|---|---|

0% - 85% | 0% | 20% | 0.235 | 0 |

85% - 90% | 20% | 20% | 0 | 0.2 |

90% - 100% | 20% | 150% | 13 | -11.5 |

Other Assets Borrowing Interest Rate

Utilization Range | Interest rate at min. range | Interest rate at max. range | m | b |

0% - 60% | 0% | 20% | 1/3 | 0 |

60% - 90% | 20% | 20% | 0 | 0.2 |

90% - 100% | 20% | 150% | 13 | -11.5 |

TOMB's Borrowing Interest Rate:

Utilization Range | Interest rate at min. range | Interest rate at max. range | m | b |
---|---|---|---|---|

0% - 80% | 0% | 50% | 0.625 | 0 |

80% - 100% | 50% | 100% | 2.5 | -1.5 |