PredMart Interest Rates — Supply APY & Borrow APR
How PredMart interest rates work — the kinked utilization model, supply APY vs borrow APR, the reserve factor, and rate behavior at different utilization levels.
<p>PredMart uses a kinked (two-slope) interest rate model. Below the 80% kink, the borrow APR climbs gently from 10% (base rate) to 42% (rate at the kink). Above 80% utilization the slope steepens dramatically — rates can reach 317% APR at full utilization, creating strong incentives to restore available liquidity. Supply APY is derived from the borrow rate, utilization, and a 10% reserve factor.</p>