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Lending & Interest Rate Model

Updated on 31 Aug 2023
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%
25%
0.25
0.025
90%-100%
25%
100%
7.5
-6.5

USDC Borrowing Interest Rate

Utilization Range
Minimum Interest Rate
Maximum Interest Rate
Multiplier
Base Rate
0%-50%
0%
10%
0.2
0
50%-90%
10%
20%
0.25
-0.025
90%-100%
20%
100%
8
-7

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%
1%
0.02
0
50%-90%
1%
3%
0.05
-0.015
90%-100%
3%
100%
9.7
-8.7

Other Tokens 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

Arbitrum Chain's Lending Pool

WETH Borrowing Interest Rate

Utilization Range
Minimum Interest Rate
Maximum Interest Rate
Multiplier
Base Rate
0%-50%
0%
1%
0.02
0
50%-90%
1%
10%
0.225
-0.1025
90%-100%
10%
25%
1.5
-1.25

USDC, USDT 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

Other Tokens 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%
21%
0.42
0
50%-90%
21%
25%
0.1
0.16
90%-100%
25%
35%
1
-0.65

USDC (Multichain), fUSDT (Multichain) 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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Last modified 24d ago