C.R.E.A.M. Finance
LendingIron BankAPI DocsForum
Search…
Ethereum Mainnet
C.R.E.A.M. Finance
Contract Address
Audit Report
About
Press Kit
Lending
Lending Contract Address
Collateral Factor & Reserve Factor
Interest Rate Model
Price Oracle
iceCREAM
iceCREAM Tokenomics
iceCREAM Mechanism Phase 1
iceCREAM Mechanism Phase 2
Developer
crTokens
Key Events
Error Codes
Subgraph (GraphQL)
Testnet
Data API
CRETH2
What is Ethereum 2.0
Why Stake for CRETH2
Migration Schedule
CRETH2 Contract Address
Legacy
Swap
Reward Pool Contract Address
Inactive Staking pools Address
creamY
Give Feedback
Powered By GitBook
Interest Rate Model

APY Function

Borrow APY
= [1 + Base + Multiplier * min(UtilizationRate, Kink) + max(JumpMultiplier * UtilizationRate - Kink, 0)] ^ 2102400 - 1
Supply APY
= Distribute (Interest Paid by Borrowers Per Block - Reserve) to all suppliers, and convert it into APY
= Distribute [(1 + Borrow APY) ^ (1 / BlocksPerYear) - 1] * Total Borrow * (1 - Reserve Factor) to all suppliers, and convert it into APY
= {[(1 + Borrow APY) ^ (1 / BlocksPerYear) - 1] * Total Borrow * (1 - Reserve Factor) / Total Supply}, and convert it into APY
= {1 + [(1 + Borrow APY) ^ (1 / BlocksPerYear) - 1] * Total Borrow * (1 - Reserve Factor) / Total Supply} ^ BlocksPerYear - 1
= {1+[(1+Borrow APY)^(1/BlocksPerYear)-1]*(1-Reserve Factor)*Utilization Rate}^BlocksPerYear-1
BlocksPerYear = 2,102,400 (15 sec per block)
Find other variables in Markets​

Major

Parameter
Value
Category
Major
Tokens
ETH, WBTC, renBTC, BBTC, HBTC, WBTC, yvWETH, ibBTC
UNI-V2-WBTC-ETH, UNI-V2-ETH-USDT, UNI-V2-DAI-ETH, UNI-V2-USDC-ETH
yvCurve-sETH, yvCurve-stETH
Base
0%
Multiplier
15%
JumpMultiplier
200%
Kink 1
80%
Kink 2
90%
Contract Address

Stable

Parameter
Value
Category
Stable
Tokens
USDT, USDC, DAI, BUSD, yCRV, HUSD, sUSD, FRAX, UST, yvCurve-IB, yUSD, FEI, PAX, EURT
Base
0%
Multiplier
18%
JumpMultiplier
800%
Kink 1
80%
Kink 2
90%
Contract Address

Governance + Seed

Parameter
Value
Category
Governance & Seeds
Tokens
COMP, BAL, YFI, LINK, CREAM, AAVE, CRV, MTA, SRM, FTT, UNI, SUSHI, wNXM, CEL, DPI, BOND, KP3R, HFIL, HEGIC, ESD, COVER, 1INCH, OMG, xSUSHI, SNX, PICKLE, AKRO, bBADGER, OGN, ALPHA, FTM, RUNE, PERP, RAI, OCEAN, RARI, SFI, ARMOR, arNXM, MLN, VSP, VVSP, GNO, SWAP, WOO, BNT, PAXG, LON, YGG, AXS, SAND, MANA
Base
0%
Multiplier
20%
JumpMultiplier
500%
Kink 1
70%
Kink 2
80%
Contract Address

SushiSwap Liquidity Provider token (SLP)

Parameter
Value
Category
SLP
Tokens
SLP-WBTC-ETH,
SLP-DAI-ETH,
SLP-USDC-ETH,
SLP-ETH-USDT,
SLP-SUSHI-ETH,
SLP-YFI-ETH,
Base
10%
Multiplier
55%
JumpMultiplier
180%
Kink
50%
Contract Address

AMP (exploit)

Parameter
Value
Category
AMP
Tokens
AMP
Base
0%
Multiplier
0%
JumpMultiplier
0%
Kink
100%
Contract Address
Lending - Previous
Collateral Factor & Reserve Factor
Next - Lending
Price Oracle
Last modified 9mo ago
Copy link
Outline
APY Function
Major
Stable
Governance + Seed
SushiSwap Liquidity Provider token (SLP)
AMP (exploit)