# Actual Rates & Parameters

## Actual Interest Rate Parameters <a href="#variable-interest-rate-model-parameters" id="variable-interest-rate-model-parameters"></a>

<table data-header-hidden><thead><tr><th></th><th width="113"></th><th width="170"></th><th></th><th></th><th></th></tr></thead><tbody><tr><td><strong>Asset</strong></td><td><strong>Collateral</strong></td><td><strong>Liquidation Bonus</strong></td><td><span class="math">U_{optimal}</span></td><td><strong>Slope 1</strong></td><td><strong>Slope 2</strong></td></tr><tr><td>HBAR</td><td>Yes</td><td>1.98%</td><td>55.00%</td><td>6%</td><td>150%</td></tr><tr><td>HBARX</td><td>Yes</td><td>1.18%</td><td>53.00%</td><td>6%</td><td>150%</td></tr><tr><td>USDC</td><td>Yes</td><td>7.40%</td><td>52.00%</td><td>12%</td><td>200%</td></tr><tr><td>wETH</td><td>Yes</td><td>7%</td><td>80%</td><td>3.3%</td><td>85%</td></tr><tr><td>SAUCE</td><td>Yes</td><td>3.95%</td><td>54.00%</td><td>9%</td><td>150%</td></tr><tr><td>XSAUCE</td><td>Yes</td><td>3.95%</td><td>54.00%</td><td>7%</td><td>150%</td></tr><tr><td>KARATE</td><td>Yes</td><td>3.46%</td><td>55.00%</td><td>9%</td><td>300%</td></tr><tr><td>DOVU</td><td>Yes</td><td>6.66%</td><td>47.00%</td><td>9%</td><td>250%</td></tr><tr><td>PACK</td><td>Yes</td><td>6.91%</td><td>52.00%</td><td>9%</td><td>250%</td></tr><tr><td>HST</td><td>Yes</td><td>6.17%</td><td>54.00%</td><td>9%</td><td>250%</td></tr><tr><td>STEAM</td><td>Yes</td><td>8.14%</td><td>54.00%</td><td>9%</td><td>250%</td></tr><tr><td>GRELF</td><td>Yes</td><td>6.66%</td><td>54.00%</td><td>9%</td><td>250%</td></tr><tr><td>KBL</td><td>Yes</td><td>6.66%</td><td>54%</td><td>9%</td><td>250%</td></tr></tbody></table>

## Interest Rate Parameter Changes

When market conditions change, risks change; Bonzo Finance is continuously monitoring the assets integrated into the protocol, which sometimes requires quickly adapting the interest rate models. The table below tacks interest rate parameter changes over time.

<table><thead><tr><th width="134">Date</th><th width="113">Asset</th><th width="194">Parameter Changed</th><th>From</th><th>To</th></tr></thead><tbody><tr><td>10/29/2025</td><td>$wETH</td><td>Optimal Utilization<br>Slope 1<br>Slope 2<br>Liquidation Bonus</td><td>New Asset</td><td>80%<br>3.3%<br>85%<br>7%</td></tr><tr><td>12/27/2024</td><td>$KARATE</td><td>Optimal Utilization<br>Slope 2</td><td>70%<br>100%</td><td>55%<br>300%</td></tr><tr><td>1/8/2025</td><td>$USDC</td><td>Optimal Utilization<br>Slope 1</td><td>70%<br>5%</td><td>52%<br>12%</td></tr><tr><td><strong>3/25/2025</strong></td><td>$GRELF</td><td>Optimal Utilization<br>Slope 1<br>Slope 2</td><td>New Asset</td><td>54.00%<br>9.00%<br>250.00%</td></tr><tr><td>4/24/2025</td><td>$KBL</td><td>Optimal Utilization<br>Slope 1<br>Slope 2</td><td>New Asset</td><td>54.00%<br>9.00%<br>250.00%</td></tr></tbody></table>

### HBAR Interest Rate Model

<figure><img src="https://2639038200-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FRl3dkXEKv1yqGhH70g65%2Fuploads%2FFj99v0MGZfa4i9QuuSfz%2Fimage.png?alt=media&#x26;token=71a4911c-c18f-4aa6-862f-66ffa5e08e19" alt=""><figcaption></figcaption></figure>

### HBARX Interest Rate Model

<figure><img src="https://2639038200-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FRl3dkXEKv1yqGhH70g65%2Fuploads%2FmDy3jVCI3FvfzKVKIN9d%2Fimage.png?alt=media&#x26;token=b4bea794-8e49-45d6-a5d3-979a9e1170f5" alt=""><figcaption></figcaption></figure>

### USDC Interest Rate Model

<figure><img src="https://2639038200-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FRl3dkXEKv1yqGhH70g65%2Fuploads%2FtAGVyDZh3IdWy7zBqxyH%2Fimage.png?alt=media&#x26;token=27e9f321-d88b-4697-be97-29dfa246cc45" alt=""><figcaption></figcaption></figure>

### wETH Interest Rate Model

<figure><img src="https://2639038200-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FRl3dkXEKv1yqGhH70g65%2Fuploads%2FhFXK1KqqtdBwFCqEU4bq%2FScreenshot%202025-10-29%20at%205.37.34%E2%80%AFPM.png?alt=media&#x26;token=60586972-be1e-4d96-8404-8e5e29ef10ff" alt=""><figcaption></figcaption></figure>

### SAUCE Interest Rate Model

<figure><img src="https://2639038200-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FRl3dkXEKv1yqGhH70g65%2Fuploads%2FrdhLz3aPTHOUPZljFW58%2Fimage.png?alt=media&#x26;token=c8e1852b-2d8d-4710-83f1-c41fcdc1be46" alt=""><figcaption></figcaption></figure>

### XSAUCE Interest Rate Model

<figure><img src="https://2639038200-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FRl3dkXEKv1yqGhH70g65%2Fuploads%2F2UDXw0dSkU3Dm6xapoR2%2Fimage.png?alt=media&#x26;token=fdceeeb2-fe64-43de-be96-77231fde9d95" alt=""><figcaption></figcaption></figure>

### KARATE Interest Rate Model

<figure><img src="https://2639038200-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FRl3dkXEKv1yqGhH70g65%2Fuploads%2FrG9A4ZiX8BKcBKQg6CMR%2FScreenshot%202024-12-29%20at%201.40.00%E2%80%AFPM.png?alt=media&#x26;token=3f1315e1-2492-49b9-b9af-3cef24828b93" alt=""><figcaption></figcaption></figure>

### DOVU Interest Rate Model

<figure><img src="https://2639038200-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FRl3dkXEKv1yqGhH70g65%2Fuploads%2F1hx1A3Y0LB6ZeMp0OX5w%2Fimage.png?alt=media&#x26;token=d15f23b8-470e-476a-9bd3-cbfa259b26f4" alt=""><figcaption></figcaption></figure>

### PACK Interest Rate Model

<figure><img src="https://2639038200-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FRl3dkXEKv1yqGhH70g65%2Fuploads%2F4put3nkUXFXcK9iHPVcu%2Fimage.png?alt=media&#x26;token=47bf7d82-8198-46e5-9d3c-912278cf772a" alt=""><figcaption></figcaption></figure>

### HST Interest Rate Model

<figure><img src="https://2639038200-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FRl3dkXEKv1yqGhH70g65%2Fuploads%2F6hC0MTFChAzLewYWggAN%2Fimage.png?alt=media&#x26;token=9855cab3-313c-4fd6-bae7-035ced18b238" alt=""><figcaption></figcaption></figure>

### STEAM Interest Rate Model

<figure><img src="https://2639038200-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FRl3dkXEKv1yqGhH70g65%2Fuploads%2FcZ45nKBep6YZ1xnJ22Ok%2Fimage.png?alt=media&#x26;token=037ade17-3e62-40ba-b572-583fe3e0b305" alt=""><figcaption></figcaption></figure>

### GRELF Interest Rate Model

<figure><img src="https://2639038200-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FRl3dkXEKv1yqGhH70g65%2Fuploads%2FgqqBhAl8ccvCJdu1zDQf%2FScreenshot%202025-04-04%20at%207.30.41%E2%80%AFPM.png?alt=media&#x26;token=146e7d8a-356f-4b93-97de-3d23e15581b0" alt=""><figcaption></figcaption></figure>

### KBL Interest Rate Model

<figure><img src="https://2639038200-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FRl3dkXEKv1yqGhH70g65%2Fuploads%2F0uqDGJ3L9AHuE6UIfnkb%2Fimage.png?alt=media&#x26;token=c764a0ee-a5a5-49c9-852b-6af1f74af57c" alt=""><figcaption></figcaption></figure>