Sumer @SumerMoney Interest Rate Model is designed to keep borrowing and lending balanced. When utilization is low, rates stay flat, encouraging more borrowing. As utilization rises, both borrow APY and deposit APY increase sharply, ensuring liquidity providers are rewarded while keeping capital circulating efficiently. In Sumer @SumerMoney, this model powers the looping mechanism. Borrowers can leverage suTokens to re-deposit and multiply exposure while remaining within a controlled risk curve. It means more yield potential without breaking stability. Behind the scenes, Sumer’s correlation-aware risk engine adjusts parameters dynamically to maintain sustainable returns. The outcome is predictable growth for lenders and fair costs for borrowers — all verified on-chain. Every block reinforces the next. Capital moves, yield compounds, and #Bitcoin finance keeps evolving. *While GOAT Network works closely with our ecosystem partners, we recommend that users do their own research and consider all risks before directing funds to any GOAT partner dApp.