> For the complete documentation index, see [llms.txt](https://docs.singlefinance.io/home/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.singlefinance.io/home/overview/fee-and-parameters/lending-and-interest-rate-model.md).

# Lending & Interest Rate Model

Single Finance adopts a triple-slope interest rate model to determine borrowing interest rates. Different assets shall employ different parameters of the same model.

#### *Borrowing Interest = Multiplier \* Utilization + Base Rate*

***Lending Interest = Borrowing Interest \* Utilization \* (1 - Lending Reserve Fee)***

## **Cronos Chain's Lending Pool**

### *CRO **Borrowing Interest Rate***

<table><thead><tr><th width="150">Utilization Range</th><th width="150">Minimum Interest Rate</th><th width="150">Maximum Interest Rate</th><th width="150">Multiplier</th><th>Base Rate</th></tr></thead><tbody><tr><td>0%-50%</td><td>0%</td><td>15%</td><td>0.3</td><td>0</td></tr><tr><td>50%-90%</td><td>15%</td><td>25%</td><td>0.25</td><td>0.025</td></tr><tr><td>90%-100%</td><td>25%</td><td>100%</td><td>7.5</td><td>-6.5</td></tr></tbody></table>

### ***USDC Borrowing Interest Rate***

<table><thead><tr><th width="150">Utilization Range</th><th width="150">Minimum Interest Rate</th><th width="150">Maximum Interest Rate</th><th width="150">Multiplier</th><th>Base Rate</th></tr></thead><tbody><tr><td>0%-50%</td><td>0%</td><td>10%</td><td>0.2</td><td>0</td></tr><tr><td>50%-90%</td><td>10%</td><td>20%</td><td>0.25</td><td>-0.025</td></tr><tr><td>90%-100%</td><td>20%</td><td>100%</td><td>8</td><td>-7</td></tr></tbody></table>

### ***USDT, VVS, SINGLE, MMF Borrowing Interest Rate***

<table><thead><tr><th width="150">Utilization Range</th><th width="150">Minimum Interest Rate</th><th width="150">Maximum Interest Rate</th><th width="150">Multiplier</th><th>Base Rate</th></tr></thead><tbody><tr><td>0%-50%</td><td>0%</td><td>10%</td><td>0.2</td><td>0</td></tr><tr><td>50%-90%</td><td>10%</td><td>15%</td><td>0.125</td><td>0.0375</td></tr><tr><td>90%-100%</td><td>15%</td><td>100%</td><td>8.5</td><td>-7.5</td></tr></tbody></table>

### ***MUSD Borrowing Interest Rate***

<table><thead><tr><th width="150">Utilization Range</th><th width="150">Minimum Interest Rate</th><th width="150">Maximum Interest Rate</th><th width="150">Multiplier</th><th>Base Rate</th></tr></thead><tbody><tr><td>0%-50%</td><td>0%</td><td>1%</td><td>0.02</td><td>0</td></tr><tr><td>50%-90%</td><td>1%</td><td>3%</td><td>0.05</td><td>-0.015</td></tr><tr><td>90%-100%</td><td>3%</td><td>100%</td><td>9.7</td><td>-8.7</td></tr></tbody></table>

### *Other Tokens **Borrowing Interest Rate***

<table><thead><tr><th width="150">Utilization Range</th><th width="150">Minimum Interest Rate</th><th width="150">Maximum Interest Rate</th><th width="150">Multiplier</th><th>Base Rate</th></tr></thead><tbody><tr><td>0%-50%</td><td>0%</td><td>15%</td><td>0.3</td><td>0</td></tr><tr><td>50%-90%</td><td>15%</td><td>25%</td><td>0.25</td><td>0.025</td></tr><tr><td>90%-100%</td><td>25%</td><td>100%</td><td>7.5</td><td>-6.5</td></tr></tbody></table>

## **Arbitrum Chain's Lending Pool**

### *WETH **Borrowing Interest Rate***

<table><thead><tr><th width="150">Utilization Range</th><th width="150">Minimum Interest Rate</th><th width="150">Maximum Interest Rate</th><th width="150">Multiplier</th><th>Base Rate</th></tr></thead><tbody><tr><td>0%-50%</td><td>0%</td><td>1%</td><td>0.02</td><td>0</td></tr><tr><td>50%-90%</td><td>1%</td><td>10%</td><td>0.225</td><td>-0.1025</td></tr><tr><td>90%-100%</td><td>10%</td><td>25%</td><td>1.5</td><td>-1.25</td></tr></tbody></table>

### ***USDC, USDT Borrowing Interest Rate***

<table><thead><tr><th width="150">Utilization Range</th><th width="150">Minimum Interest Rate</th><th width="150">Maximum Interest Rate</th><th width="150">Multiplier</th><th>Base Rate</th></tr></thead><tbody><tr><td>0%-50%</td><td>0%</td><td>10%</td><td>0.2</td><td>0</td></tr><tr><td>50%-90%</td><td>10%</td><td>15%</td><td>0.125</td><td>0.0375</td></tr><tr><td>90%-100%</td><td>15%</td><td>100%</td><td>8.5</td><td>-7.5</td></tr></tbody></table>

### *Other Tokens **Borrowing Interest Rate***

<table><thead><tr><th width="150">Utilization Range</th><th width="150">Minimum Interest Rate</th><th width="150">Maximum Interest Rate</th><th width="150">Multiplier</th><th>Base Rate</th></tr></thead><tbody><tr><td>0%-50%</td><td>0%</td><td>15%</td><td>0.3</td><td>0</td></tr><tr><td>50%-90%</td><td>15%</td><td>25%</td><td>0.25</td><td>0.025</td></tr><tr><td>90%-100%</td><td>25%</td><td>100%</td><td>7.5</td><td>-6.5</td></tr></tbody></table>

## **Fantom Chain's Lending Pool**

### *FTM **Borrowing Interest Rate***

<table><thead><tr><th width="150">Utilization Range</th><th width="150">Minimum Interest Rate</th><th width="150">Maximum Interest Rate</th><th width="150">Multiplier</th><th>Base Rate</th></tr></thead><tbody><tr><td>0%-50%</td><td>0%</td><td>21%</td><td>0.42</td><td>0</td></tr><tr><td>50%-90%</td><td>21%</td><td>25%</td><td>0.1</td><td>0.16</td></tr><tr><td>90%-100%</td><td>25%</td><td>35%</td><td>1</td><td>-0.65</td></tr></tbody></table>

### ***USDC (Multichain), fUSDT (Multichain) Borrowing Interest Rate***

<table><thead><tr><th width="150">Utilization Range</th><th width="150">Minimum Interest Rate</th><th width="150">Maximum Interest Rate</th><th width="150">Multiplier</th><th>Base Rate</th></tr></thead><tbody><tr><td>0%-50%</td><td>0%</td><td>8%</td><td>0.16</td><td>0</td></tr><tr><td>50%-90%</td><td>8%</td><td>12%</td><td>0.1</td><td>0.03</td></tr><tr><td>90%-100%</td><td>12%</td><td>100%</td><td>8.8</td><td>-7.8</td></tr></tbody></table>

## Fee Parameters (Lending)&#x20;

#### Lending Reserve Fee

$$
Lending;Reserve;Fee =  Borrowing;interest \times 18%\
$$

* All 18% goes to **Buyback and Burn** of SINGLE.

Please note that the APR/APY shown already factored in this fee, what you see is what you get.&#x20;


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