Alpaca Finance
Search…
English
Join the Herd (AlpaCareers)
📈
Interest Rate Model
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%
150%
13
-11.5

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% - 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

BUSD's Borrowing Interest Rate

Utilization Range
Interest rate at min. range
Interest rate at max. range
m
b
0% - 75%
0%
20%
0.267
0
75% - 90%
20%
20%
0
0.2
90% - 100%
20%
150%
13
-11.5

USDT'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

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%
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

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
​
Copy link
On this page
BNB Chain's Lending pool
ALPACA's Borrowing Interest Rate
CAKE's Borrowing Interest Rate
BNB's Borrowing Interest Rate
BUSD's Borrowing Interest Rate
USDT's Borrowing Interest Rate
ETH's Borrowing Interest Rate
Other Assets' Borrowing Interest Rate
Fantom's Lending pool
FTM's Borrowing Interest Rate
USDC's Borrowing Interest Rate
Other Assets Borrowing Interest Rate
TOMB's Borrowing Interest Rate: