📉Interest Rate Curve

Correlation of Utilization Rate & Borrow APR of GMS Pool

• 0-90% Utilization Rate: Interest rates will grow linearly from 5% to 20%.

• 90-100% Utilization Rate: Interest rates will experience a linear increase from 20% to 25%.

This two-tiered interest rate framework is established to guarantee a reliable income stream for lenders at varying levels of pool utilization.

The progressive increase in interest rates as utilization approaches its upper limit is a strategic measure to balance the attraction of lending capital with the sustainability of the financial ecosystem. Additionally, the base rate will be subject to a monthly review and discussion.