There will be multiple types of loans which include different pools and parameters.
General loan type which will include all the pools.
Stablecoin efficiency type which will only include stablecoins.
ALGO efficiency type which will only include Algo and gALGO.
In the general loan type, USDC has a collateral factor of 80%, whereas in the stablecoin efficiency loan type, USDC has a collateral factor of 90%. The reason this can be done is because the stablecoin efficiency loan type is limited in the different assets that can be borrowed. Since all the other assets are stablecoins as well, the protocol can offer a higher LTV ratio without compromising on safety.