> For the complete documentation index, see [llms.txt](https://docs.bonzo.finance/bonzo-risk-framework/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.bonzo.finance/bonzo-risk-framework/liquidity-risk/actual-rates-and-parameters.md).

# 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="/files/hBDQZ8GiCrOAHXpwa7nz" alt=""><figcaption></figcaption></figure>

### HBARX Interest Rate Model

<figure><img src="/files/yBPGNR5w4d8prlda3wfd" alt=""><figcaption></figcaption></figure>

### USDC Interest Rate Model

<figure><img src="/files/2zfRtSZVkZGUCtf6BXAF" alt=""><figcaption></figcaption></figure>

### wETH Interest Rate Model

<figure><img src="/files/itSNU14SHj20fYpG1DHh" alt=""><figcaption></figcaption></figure>

### SAUCE Interest Rate Model

<figure><img src="/files/ON7ObdZCVedvv3ZkhDwy" alt=""><figcaption></figcaption></figure>

### XSAUCE Interest Rate Model

<figure><img src="/files/22lwGVd5x4XwNWXsMgzV" alt=""><figcaption></figcaption></figure>

### KARATE Interest Rate Model

<figure><img src="/files/NyAnySoOYGVLoNTEwyUl" alt=""><figcaption></figcaption></figure>

### DOVU Interest Rate Model

<figure><img src="/files/94NUsXu72JxRZ4ovMvSM" alt=""><figcaption></figcaption></figure>

### PACK Interest Rate Model

<figure><img src="/files/zTCoxoWSTGlyCYPYGjG2" alt=""><figcaption></figcaption></figure>

### HST Interest Rate Model

<figure><img src="/files/MY7azbYkbXaRxSGNYS72" alt=""><figcaption></figcaption></figure>

### STEAM Interest Rate Model

<figure><img src="/files/S8DMuRxbjH6hEugTzZUu" alt=""><figcaption></figcaption></figure>

### GRELF Interest Rate Model

<figure><img src="/files/VO7p6XytGZSLItUqtZ1z" alt=""><figcaption></figcaption></figure>

### KBL Interest Rate Model

<figure><img src="/files/AXlAaPHdqPtLYQpn78GN" alt=""><figcaption></figcaption></figure>