Rates
Interest Rate Calculator
USDC
Selected Duration: 12 months
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Estimated Interest Earned*
0.00 USDC
Idle Capital, Missed Opportunities
Traditional AMM designs often leave lent assets underutilized, particularly in non-stablecoin markets, resulting in inefficiencies and lost yield potential.Maximizing Potential with Neptune
Neptune's advanced PID interest rate controller, engineered by a team of PhD experts, dynamically optimizes idle funds in the lending pool, ensuring higher utilization and smarter capital allocation.Efficiency That Benefits All
Through hyper-efficient design, Neptune delivers superior rates to lenders and borrowers alike by boosting fund utilization and narrowing the spread between lending and borrowing rates.Rates
United in Pursuit of Superior Yield
Powering Institutional-Grade DeFi
Neptune Finance redefines lending by leveraging Injective, the purpose-built blockchain for financial innovation.ultra-low fees | near-instant settlement | interchain liquidityDesigned for financial professionals, Injective infrastructure delivers unparalleled speed and efficiency, ensuring a competitive edge in digital asset markets.Navigating Risk
Lending on Neptune Finance is governed by precision. Parameters like caps, target utilisation, max LTV, borrow halts, and liquidation premiums work in harmony to optimize yields while mitigating risks.Like a gyroscope, balance is essential for stability and growth.This sophisticated orchestration ensures competitive rates without compromising sustainability or security. Our system is designed to grow intelligently, avoiding the pitfalls of unchecked expansion.Rates FAQ's
Neptune uses a PID (Proportional-Integral-Derivative) Controller to optimize market efficiency. This controller dynamically adjusts borrow rates at set intervals to help the market approach its Target Setpoint, ensuring that the lending and borrowing rates are more closely aligned with supply and demand.
The PID Controller helps Neptune better match supply to demand by dynamically adjusting interest rates. If the market utilization is below the Target Setpoint, the PID Controller lowers borrow rates to attract more borrowers. Conversely, if utilization exceeds the Target Setpoint, borrow rates are increased to balance the market.
The Target Setpoint is the desired utilization rate for each market, representing the optimal balance between lent and borrowed capital. The PID Controller adjusts borrow rates based on how close the current utilization is to the Target Setpoint. The further the market is from the setpoint, the more dramatically the PID Controller adjusts the rates.
Market utilization is a ratio of borrowed capital to lent capital. For example, if $100 million is lent and $50 million is borrowed, the market utilization would be 50%. This metric helps Neptune fine-tune interest rates to ensure market efficiency and balance.
Interest rates fluctuate based on market conditions and the PID Controller’s adjustments. The rates are designed to balance supply and demand, ensuring that lenders earn competitive returns while borrowers can access capital at fair rates.
The Interest Rate Calculator allows you to estimate the interest earned on your lending capital over a selected duration. For instance, a 12-month lending period at a 15.54% estimated interest rate will yield 155.39 USDC on a $1000 loan.
Lend rates represent the interest rate lenders earn by providing liquidity to the market, while borrow rates are the interest rates paid by borrowers to access capital. The rates vary for different assets, with USDT offering a lend rate of 31.78% and a borrow rate of 37.77%, for example.
Neptune achieves superior rates by optimizing capital utilization and narrowing the spread between lending and borrowing rates. This is made possible by the PID Controller, which ensures funds are used efficiently, maximizing returns for both lenders and borrowers.
Lending on Neptune is designed to be risk-managed through parameters like caps, target utilization, max LTV (loan-to-value), borrow halts, and liquidation premiums. These parameters work together to optimize yields while mitigating the risks of unchecked expansion and market volatility.
Neptune leverages Injective’s infrastructure, which is built for financial professionals and designed for high-speed, ultra-low fees, and interchain liquidity. This infrastructure provides Neptune with the competitive edge needed to deliver superior rates to both retail and institutional users.
