📈
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

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