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Lending Spread

In the case of lending, the spread is the difference between the lending APY (the % of interest paid to lenders) and the borrowing APY (the % of interest paid by borrowers).

docs.morpho.xyz

Related research

Morpho Finance: A Pareto-Efficient Lending Optimizer
By
Genevieve Yeoh
•
Nov 15, 2022
Morpho Finance: A Pareto-Efficient Lending Optimizer
By
Genevieve Yeoh
•
Nov 15, 2022

Instead of just P2Pool matching, as with Aave and Compound, Morpho uses a hybrid model. It combines P2P matching with the underlying P2Pool market as a fallback.

Concepts

  • Borrowing Capacity
  • Stable Rates
  • Interest-bearing Tokens
  • Close Factor
  • Undercollateralized Loans
  • Collateralization Ratio
  • Unsecured Lending
  • Counter-party risk
  • Variable Rates
  • Credit Delegation
  • Stability Pools
  • Flash Loan
  • Stability Providers
  • Health Factor
  • P2P Lending
  • Liquidation Bonus
  • P2Pool Lending
  • Liquidation Threshold
  • Optimal Utilization Rate
  • Loan to Value Ratio (LTV Ratio)
  • Pool Cover
  • Market Risk
  • Pool Cover Providers
  • Overcollateralized Loans
  • Pool Delegates
  • Reserve Factor
  • Protected Collateral
  • Safety Module
  • Soft Liquidation
  • Secured Lending
  • Dust
  • Smart Contract Risk
  • Peg Stability Module
  • Bad Debt
  • Stability Providers
  • P2Pool Lending
  • Optimal Utilization Rate
  • Protected Collateral
  • Soft Liquidation
  • Dust
  • Interest-bearing Tokens
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