# Parameters
#### [Pools](/architecture/pool-dynamics.md) are categorized based on similar risk characteristics:
* Stable
* ALGO
* Medium Risk
* High Risk
|
| ALGO | gALGO | xALGO | tALGO | USDC | goBTC | goETH | WBTC (old) | WETH (old) | WBTC | WETH | WAVAX | WSOL | wLINK | GOLD | SILVER |
| ----------------------------------------------------- | ---------- | ----- | --------- | --------- | ---------- | ------ | ------ | ---------- | ---------- | --------- | --------- | ------- | ------- | ------ | ----------- | ----------- |
| Category | ALGO | ALGO | ALGO | ALGO | Stable | Medium | Medium | Medium | Medium | Medium | Medium | Medium | Medium | Medium | Commodities | Commodities |
| Variable Base Rate (RV0) | 0% | 0% | 0% | 1% | 1.75% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 1.75% | 1.75% |
| Variable Slope 1 Rate (RV1) | 4.5% | 0% | 6.5% | 5.5% | 5% | 7.5% | 7.5% | 7.5% | 7.5% | 4% | 2.25% | 7.5% | 7.5% | 7.5% | 5% | 5% |
| Variable Slope 2 Rate (RV2) | 50% | 0% | 100% | 100% | 100% | 200% | 200% | 200% | 200% | 100% | 100% | 200% | 200% | 200% | 100% | 100% |
| Stable Additional Base Rate (RS0) | 2.25% | 0% | 2.25% | 2.25% | 2% | 1% | 1% | 1% | 1% | 3% | 3% | 1% | 1% | 1% | 2% | 2% |
| Stable Slope 1 Rate (RS1) | 2.25% | 0% | 2.25% | 2.25% | 2% | 1% | 1% | 1% | 1% | 5% | 2.25% | 1% | 1% | 1% | 2% | 2% |
| Stable Slope 2 Rate (RS2) | 200% | 0% | 100% | 100% | 100% | 200% | 200% | 200% | 200% | 100% | 100% | 200% | 200% | 200% | 100% | 100% |
| Stable Excess Rate (RS3) | 30% | 0% | 35% | 35% | 25% | 35% | 35% | 35% | 35% | 25% | 25% | 35% | 35% | 35% | 25% | 25% |
| Optimal Utilisation Ratio (Uopt) | 90% | 70% | 55% | 55% | 85% | 55% | 55% | 55% | 55% | 45% | 80% | 55% | 55% | 55% | 60% | 60% |
| Optimal Stable to Total Debt Ratio (Oratio) | 20% | 20% | 20% | 20% | 20% | 20% | 20% | 20% | 20% | 20% | 20% | 20% | 20% | 20% | 20% | 20% |
| Rebalance Up Utilisation Ratio (URU) | 90% | 90% | 90% | 90% | 95% | 90% | 90% | 90% | 90% | 95% | 95% | 90% | 90% | 90% | 90% | 90% |
| Rebalance Up Deposit Interest Rate Percentage (DIRRU) | 50% | 50% | 40% | 40% | 40% | 55% | 55% | 55% | 55% | 5% | 5% | 55% | 55% | 55% | 55% | 55% |
| Rebalance Down Delta (RD) | 20% | 20% | 20% | 20% | 20% | 20% | 20% | 20% | 20% | 20% | 20% | 20% | 20% | 20% | 20% | 20% |
| Retention Rate (RR) | 20% | 10% | 10% | 20% | 10% | 10% | 10% | 10% | 10% | 15% | 15% | 10% | 10% | 10% | 10% | 10% |
| Flash Loan Fee | 0.1% | N/A | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% |
| Borrow Cap ($) | 70,000,000 | 0 | 5,000,000 | 5,000,000 | 15,000,000 | 0 | 0 | 0 | 0 | 3,000,000 | 3,000,000 | 180,000 | 180,000 | 75,000 | 200,000 | 180,000 |
| Single Stable Borrow Percentage Cap | 4% | 0% | 4% | 4% | 6.2% | 5.5% | 5.5% | 5.5% | 5.5% | 5% | 5% | 5.5% | 5.5% | 5.5% | 6.2% | 6.2% |
### Isolated Pools
|
| ALGO | USDC | TINY | FOLKS |
| ----------------------------------------------------- | --------- | --------- | ------ | ------ |
| Variable Base Rate (RV0) | 0% | 1% | 1% | 1% |
| Variable Slope 1 Rate (RV1) | 10% | 15% | 20% | 9% |
| Variable Slope 2 Rate (RV2) | 200% | 400% | 300% | 200% |
| Stable Additional Base Rate (RS0) | 1% | 1% | 1% | 1% |
| Stable Slope 1 Rate (RS1) | 1% | 1% | 1% | 1% |
| Stable Slope 2 Rate (RS2) | 200% | 200% | 200% | 200% |
| Stable Excess Rate (RS3) | 40% | 40% | 40% | 40% |
| Optimal Utilisation Ratio (Uopt) | 72.5% | 85% | 30% | 50% |
| Optimal Stable to Total Debt Ratio (Oratio) | 10% | 10% | 10% | 10% |
| Rebalance Up Utilisation Ratio (URU) | 85% | 85% | 85% | 85% |
| Rebalance Up Deposit Interest Rate Percentage (DIRRU) | 75% | 75% | 75% | 75% |
| Rebalance Down Delta (RD) | 20% | 20% | 20% | 20% |
| Retention Rate (RR) | 30% | 25% | 30% | 20% |
| Flash Loan Fee | 0.1% | 0.1% | 0.1% | 0.1% |
| Borrow Cap ($) | 1,000,000 | 1,000,000 | 60,000 | 50,000 |
| Single Stable Borrow Percentage Cap | 2% | 2% | 1% | 1% |
### Loans are categorized based on their types:
* General
* Stablecoin Efficiency
* ALGO Efficiency
* Up/Down
#### General
|
| ALGO | gALGO | xALGO | tALGO | USDC | goBTC | goETH | WBTC (old) | WETH (old) | WBTC | WETH | WAVAX | WSOL | wLINK | GOLD | SILVER |
| ------------------ | ---------- | ---------- | ---------- | --------- | ----------- | ----- | ----- | ---------- | ---------- | --------- | --------- | ------- | ------- | ------- | ------- | ------- |
| Collateral Factor | 65% | 65% | 65% | 60% | 80% | 70% | 70% | 60% | 50% | 65% | 75% | 65% | 65% | 65% | 60% | 60% |
| Borrow Factor | 100% | N/A | 100% | 100% | 100% | 100% | 100% | 115% | 125% | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
| Collateral Cap ($) | 50,000,000 | 35,000,000 | 15,000,000 | 5,000,000 | 100,000,000 | 0 | 0 | 0 | 0 | 5,000,000 | 5,000,000 | 150,000 | 150,000 | 125,000 | 350,000 | 275,000 |
| Liquidation Max | 50% | N/A | 50% | 50% | 50% | 50% | 50% | 50% | 50% | 50% | 50% | 50% | 50% | 50% | 50% | 50% |
| Liquidation Bonus | 8% | 10% | 10% | 10% | 6% | 8% | 8% | 8% | 8% | 7.5% | 5% | 10% | 10% | 10% | 8% | 8% |
| Liquidation Fee | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% |
#### Stablecoin Efficiency
|
| USDC | USDt | EURS | Gard |
| ------------------ | ----------- | ---- | ---- | ---- |
| Collateral Factor | 90% | 40% | 40% | 75% |
| Borrow Factor | 100% | 150% | 120% | 500% |
| Collateral Cap ($) | 100,000,000 | 0 | 0 | 0 |
| Liquidation Max | 50% | 50% | 50% | 50% |
| Liquidation Bonus | 4% | 5% | 6% | 6% |
| Liquidation Fee | 10% | 10% | 10% | 10% |
#### ALGO Efficiency
|
| ALGO | gALGO | xALGO | tALGO |
| ------------------ | ---------- | ---------- | ---------- | ---------- |
| Collateral Factor | 85% | 82.5% | 85% | 80% |
| Borrow Factor | 100% | N/A | 100% | 100% |
| Collateral Cap ($) | 50,000,000 | 75,000,000 | 45,000,000 | 10,000,000 |
| Liquidation Max | 50% | N/A | 50% | 50% |
| Liquidation Bonus | 6% | 8% | 8% | 8% |
| Liquidation Fee | 10% | 10% | 10% | 10% |
#### Algorand Ecosystem
|
| ALGO | USDC | TINY | FOLKS |
| ------------------ | ------- | ------- | ------- | ------ |
| Collateral Factor | 60% | 75% | 40% | 40% |
| Borrow Factor | 100% | 100% | 110% | 150% |
| Collateral Cap ($) | 300,000 | 250,000 | 120,000 | 75,000 |
| Liquidation Max | 50% | 50% | 50% | 50% |
| Liquidation Bonus | 15% | 15% | 20% | 20% |
| Liquidation Fee | 15% | 15% | 15% | 15% |
#### Up
Liquidation bonus defined as
$$
collateral\ received = loan\ collateral \times \left(\frac{borrow\ repaid}{borrow\ balance}\right)
$$
| Asset | Collateral Factor | Borrow Factor | Collateral Cap ($) | Liquidation Max | Liquidation Fee | Max Multiplier | Max starting Multiplier |
| ----- | ----------------- | ------------- | ------------------ | --------------- | --------------- | -------------- | ----------------------- |
| USDC | N/A | 100% | N/A | 100% | N/A | N/A | N/A |
| ALGO | 82.5% | N/A | 200,000 | N/A | 10% | 5.71 | 5 |
| goBTC | 90% | N/A | 50,000 | N/A | 10% | 10 | 8 |
| goETH | 90% | N/A | 50,000 | N/A | 10% | 10 | 8 |
#### Down
Liquidation bonus defined as:
$$
collateral\ received = loan\ collateral \times \left(\frac{borrow\ repaid}{borrow\ balance}\right)
$$
| Asset | Collateral
Factor
| Borrow Factor | Collateral Cap ($) | Liquidation Max | Liquidation Fee | Max Multiplier | Max starting Multiplier |
| ----- | ------------------------------ | ------------- | ------------------ | --------------- | --------------- | -------------- | ----------------------- |
| USDC | 100% | N/A | 400,000 | N/A | 10% | N/A | N/A |
| ALGO | N/A | 121.21% | N/A | 100% | N/A | 4.71 | 4 |
| goBTC | N/A | 111.11% | N/A | 100% | N/A | 9 | 7 |
| goETH | N/A | 111.11% | N/A | 100% | N/A | 9 | 7 |
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