APR & Utilization
Interest Rate Curve
APR figures are determined by utilization, at a higher utilization APR starts to increase to discourage borrowers and incentives lenders.
Take note that at 100% utilization, you cannot withdraw your tokens, but also enjoy very high APR figures.
The following assets use the curve below: USDC, USDT, SOL, SRM, MER, MEDIA, TULIP, SLRS, ALEPH, ROPE, COPE, SNY, Sollet ETH, ATLAS, POLIS
0%-50%
0%-15%
0%-16.18%
50%-90%
15%-25%
16.18%-28.39%
90%-100%
25%-100%
28.39%-171.46%
The following assets use the curve below: ORCA, whETH, mSOL, BTC, GENE, DFL, SAMO, REAL
0%-50%
0%-15%
0%-16.18%
50%-90%
15%-25%
16.18%-28.39%
90%-100%
25%-150%
28.39%-348.16%
We have implemented a more competitive curve for RAY lending found below, this is to ensure rates remain competitive enough due to RAY single staking APR.
0%-50%
0%-15%
0%-16.18%
50%-90%
15%-35%
16.18%-41.88%
90%-100%
35%-100%
41.88%-171.46%
Historical Lending Rates
Last updated