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Lending & Interest Rate Model
Updated on 11/07/2022
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

Utilization Range
Minimum Interest Rate
Maximum Interest Rate
Multiplier
Base Rate
0%-50%
0%
15%
0.3
0
50%-90%
15%
35%
0.5
-0.1
90%-100%
35%
100%
6.5
-5.5

USDC, USDT, VVS, SINGLE, MMF Borrowing Interest Rate

Utilization Range
Minimum Interest Rate
Maximum Interest Rate
Multiplier
Base Rate
0%-50%
0%
10%
0.2
0
50%-90%
10%
15%
0.125
0.0375
90%-100%
15%
100%
8.5
-7.5

MUSD Borrowing Interest Rate

Utilization Range
Minimum Interest Rate
Maximum Interest Rate
Multiplier
Base Rate
0%-50%
0%
4%
0.08
0
50%-90%
4%
8%
0.1
-0.01
90%-100%
8%
100%
9.2
-8.2

DARK, NESS, VERSA, ARGO Borrowing Interest Rate

Utilization Range
Minimum Interest Rate
Maximum Interest Rate
Multiplier
Base Rate
0%-50%
0%
15%
0.3
0
50%-90%
15%
25%
0.25
0.025
90%-100%
25%
100%
7.5
-6.5

Fantom Chain's Lending Pool

FTM Borrowing Interest Rate

Utilization Range
Minimum Interest Rate
Maximum Interest Rate
Multiplier
Base Rate
0%-50%
0%
15%
0.3
0
50%-90%
15%
25%
0.25
0.025
90%-100%
25%
100%
7.5
-6.5

USDC, fUSDT Borrowing Interest Rate

Utilization Range
Minimum Interest Rate
Maximum Interest Rate
Multiplier
Base Rate
0%-50%
0%
8%
0.16
0
50%-90%
8%
12%
0.1
0.03
90%-100%
12%
100%
8.8
-7.8

Fee Parameters (Lending)

Lending Reserve Fee

  • 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.
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On this page
Cronos Chain's Lending Pool
CRO Borrowing Interest Rate
USDC, USDT, VVS, SINGLE, MMF Borrowing Interest Rate
MUSD Borrowing Interest Rate
DARK, NESS, VERSA, ARGO Borrowing Interest Rate
Fantom Chain's Lending Pool
FTM Borrowing Interest Rate
USDC, fUSDT Borrowing Interest Rate
Fee Parameters (Lending)