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
​