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User-friendly Interest Model

OpenSky’s interest rate model is calibrated to manage liquidity risk and optimize utilization. The borrow interest rates come from the Utilization Rate . is an indicator of the availability ofModel

Adaptive fixed interest rate model (Instant loans)

OpenSky has an innovative interest rate model for Instant loans that adjusts the interest rate based on supply and demand between each fixed term in the case of rollovers, but fixes the APR during each fixed term.

Negotiated interest rate model (Bespoke loans)

Lenders make Bespoke offers which can be accepted on demand by Bespoke borrowers.
Bespoke borrowers make Bespoke offers which can be accepted on demand by Bespoke lenders.
The two-way nature of the Bespoke lending market maximizes the opportunity and flexibility for both lenders and borrowers.
If you still have any questions or issues, feel free to reach the OpenSky team over the live chat within the app or in the discord.