Interest Rate Risk

Dynamic interest rates ensure fair pricing and reduce liquidity risks.

Utilization-Based Adjustments

• High Utilization: When utilization exceeds 90%, borrowing rates increase to attract more liquidity.

• Low Utilization: Rates decrease to incentivize borrowing and maintain equilibrium.

Rate Stability

• Stable Rate Options: Borrowers can opt for stable rates, providing predictable repayment terms and mitigating risks from sudden rate spikes.