dAMM Finance
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# Supplier Rates

The pool’s utilization multiplier
$M$
and current borrowing rate is managed through governance. And the supplier’s interest rate is calculated as:
$Supplier\,Rate_{a}=BorrowRate_{a}\,*Pool_{a}\,Util\,* (1-rFactor)$
Where
$rFactor$
is the percentage of revenue from borrowers paid back to the protocol insurance pool. It will be managed by the dAMM governance, and is initially set to 25%.