Decentralized Lending Pool & Yield Simulator

Algorithmic Rate Curve (Kinked Model)

U = Borrows / Supply

Utilization Rate

65.00%

Borrow APY

8.50%

Supply APY

4.97%

Pool Balance & Reserve Health

Decentralized Lending Pool & Yield Simulator

Total Pool Supply

$10,000,000

Total Borrows

$6,500,000

Available Liquidity

$3,500,000

Pool Liquidity Distribution Safe Buffer (35.0%)

User Position Summary ($50,000 Deposit)

Est. 1-Year Earned Interest

$2,486.25

Effective Yield

4.97% APY

Algorithmic Interest Rate Parameters

Formula: APY = Base + Multiplier * min(U, Kink) + [Multiplier2 * max(0, U - Kink)]

Base Borrow Rate 2.0%

Optimal Kink Target (U_kink) 80.0%

Slope 1 Multiplier (Pre-Kink) 10.0%

Slope 2 Multiplier (Post-Kink Jump) 120.0%

Protocol Reserve Factor 10.0%

Simulated User Deposit ($)

Compounding Yield Trajectory & Diagnostics

Time Horizon	Simulated Utilization	Supply APY	Initial Deposit	Estimated Interest	Total Balance