> For the complete documentation index, see [llms.txt](https://docs.francium.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.francium.io/product/interest-model.md).

# Interest Model

**For most assets**, we use the following interest rate model: 

(Applied assets: SOL, stSOL, weWETH, wbWBNB, weSUSHI, weUNI, ATLAS, SRM, POLIS, SAMO, GENE, DFL, ORCA, SHDW)

![Interest Model 1: for most of the assets](/files/fAwC4phu9ELsbuainzhd)

| Utilization | Borrowing Rate |
| ----------- | -------------- |
| 0.00%       | 0.00%          |
| 80.00%      | 20.00%         |
| 90.00%      | 50.00%         |
| 100.00%     | 152.50%        |

**For assets with large market capability**, we use the following interest rate model:

 (Applied assets: USDC, USDT, mSOL, BTC, ETH)

![Interest Model 2: For assets with large market capability](/files/YUf6DIAlll0QEtfgC7Bu)

| Utilization | Borrowing Rate |
| ----------- | -------------- |
| 0.00%       | 0.00%          |
| 60.00%      | 18.00%         |
| 90.00%      | 24.00%         |
| 100.00%     | 100.00%        |

**For assets with a staking plan**, we use the following interest rate model:

(Applied assets: RAY)

![Interest Model 2: for assets with a staking plan](/files/9oFXUQvORnvd1DRnf94c)

| Utilization | Borrowing Rate |
| ----------- | -------------- |
| 0.00%       | 0.00%          |
| 60.00%      | 15.00%         |
| 90.00%      | 36.00%         |
| 100.00%     | 150.00%        |