7. Lending & Borrowing Terms
DeepFlow is designed around predictability, transparency, and flexibility. By using a standardized 7-30 day lending cycle and an AI-driven pricing engine, we deliver fair and dynamic terms for both lenders and borrowers. Whether you're providing liquidity or unlocking capital, the loan parameters are always data-backed and clearly presented upfront.
Loan Duration: 7-30 Day Cycles
All loans on DeepFlow are issued with a fixed 7-30 day term.
These shorter cycle allow:
● Frequent repricing based on changing market conditions
● Lower exposure windows for lenders
● Flexibility for borrowers to renew, repay, or refinance
● Weekly yield opportunities for active participants
Borrowers can manually repay and reclaim their assets at the end of the cycle or opt intoauto-renewal with updated terms.
These shorter cycle allow:
● Frequent repricing based on changing market conditions
● Lower exposure windows for lenders
● Flexibility for borrowers to renew, repay, or refinance
● Weekly yield opportunities for active participants
Borrowers can manually repay and reclaim their assets at the end of the cycle or opt intoauto-renewal with updated terms.
Loan-to-Value (LTV) Ratios
LTV determines how much a borrower can receive relative to the value of their collateral. DeepFlow’s AI model sets this ratio dynamically, based on the asset’s risk profile.
Altcoins 10-30%, Volatile Tokens 10% – 20%
Example: If an alt-token is valued at $10,000 and receives a 10% LTV, the borrower can access $1,000 in stablecoins.
Altcoins 10-30%, Volatile Tokens 10% – 20%
Example: If an alt-token is valued at $10,000 and receives a 10% LTV, the borrower can access $1,000 in stablecoins.
Interest Rate Ranges
Interest rates are set per-loan and recalculated daily using the AI-Powered Rate Engine.
The base APR (annualized) is derived from the risk score, liquidity, and volatility of the asset.
Risk Tier APR (Est.)
Low-Risk Asset 4-8%
Mid-Risk Asset 8–10%
High-Risk Asset 11–19%
Example: Interest is calculated pro rata for the 7-day cycle (e.g., 12% APR =~0.23% per week) can you
The base APR (annualized) is derived from the risk score, liquidity, and volatility of the asset.
Risk Tier APR (Est.)
Low-Risk Asset 4-8%
Mid-Risk Asset 8–10%
High-Risk Asset 11–19%
Example: Interest is calculated pro rata for the 7-day cycle (e.g., 12% APR =~0.23% per week) can you
Platform Fees
Borrowers pay a platform fee at loan origination. This fee funds the protocol and supports incentives, treasury growth, and pool funds.'
Fee Types and Rates:
Origination Fee: 2–4%
Deducted from loan principal
Renewal Fee: 0.5–1%
Optional if borrower auto-renews
Example:
A 3% origination fee on a $1,000 loan results in $970 disbursed to the borrower, with $30 retained by the protocol.
DeepFlow’s lending and borrowing mechanics are built for clarity and control — empowering users to make informed decisions while optimizing for yield or liquidity.
Fee Types and Rates:
Origination Fee: 2–4%
Deducted from loan principal
Renewal Fee: 0.5–1%
Optional if borrower auto-renews
Example:
A 3% origination fee on a $1,000 loan results in $970 disbursed to the borrower, with $30 retained by the protocol.
DeepFlow’s lending and borrowing mechanics are built for clarity and control — empowering users to make informed decisions while optimizing for yield or liquidity.