Protocol Parameters

Collateral Factor, Reserve Factor

Loan To Value (LTV)

The maximum that can be borrowed on a particular asset.

Collateral asset	LTV
sORAI	60%
scORAI	60%

Reserve Factor

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:

Interest Rate Model is based on the following parameter:

Parameter	Value
$U_{optional}$	80%
$B_0$	2%
$B_{slope1}$	8%
$B_{slope2}$	40%