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
Interest rates are set per-loan and recalculated daily using the AI-Powered Rate Engine.
The basBorrowers 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.e 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 basBorrowers 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.e 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