📈AF1.0 Interest Rate Model

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:

Borrowing Interest = m * utilization + b

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