Orchai Protocol
  • 💧ORCHAI LIQUID STAKING
    • Overview
    • Staked Assets (sAssets)
    • Reward & Fee
    • Validator
  • 🏦ORCHAI MONEY MARKET
    • Overview
    • Borrowing
    • Lending
    • Liquidation
    • Protocol Parameters
  • 📜User Guide
    • Stake
      • sORAI
      • scORAI
    • Borrow
      • Participate In Liquidations
    • Lend
    • My Page
  • 📖Whitepaper
    • Introduction
    • The vision of Orchai
    • System Architecture
      • Low-code DeFi management features
      • Asset-flow optimizing protocols
        • Orchai Liquid Staking
        • Orchai Money Market
    • Apply AI to the protocol
    • Tokenomics
    • Conclusion
  • 📌Resources
    • Audit Log
    • Press Kit (Logos & Graphics)
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  • Loan To Value (LTV)
  • Reserve Factor
  • Interest Rate Model

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  1. ORCHAI MONEY MARKET

Protocol Parameters

Collateral Factor, Reserve Factor

PreviousLiquidationNextStake

Last updated 2 years ago

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Loan To Value (LTV)

The maximum that can be borrowed on a particular asset.

Collateral asset
LTV

sORAI

60%

scORAI

60%

Reserve Factor

The percentage of the borrower's interest accrues to Orchai protocol and can be withdrawn through governance.

Asset
Reserve Factor

USDT

10%

Interest Rate Model

Orchai's interest rate model dynamically adjusts the interest rates of each asset market depending on the utilization rate. A high ratio would incur higher interest payments from borrowers, and consequently higher interest payments to suppliers, thereby encouraging suppliers to add more assets to the protocol and ensuring healthy levels of available liquidity.

Interest Rate Model is based on the following parameter:

Parameter
Value

80%

2%

8%

40%

Borrowing Interest Rate and Lending Interest Rate can be illustrated in the following chart:

🏦
UoptimalU_{optimal}Uoptimal​
B0B_0B0​
Bslope1B_{slope1}Bslope1​
Bslope2B_{slope2}Bslope2​
Interest Rate Model