Rate Recalculation
The interest rates are calculated based on the total_deposit, total_debt, and Interest Rate Model. The Interest Rate Model is a vector of function parameters that maps reserve utilization rate into the debt rate.
Reserve utilization rate is a quotient of total_debt by total_deposit.
The debt_rate is given by the function R(M,U) where U is an utilization rate and M is Interest Rate Model (counting vector entries from 1). The function is a piece-wise linear function that reaches the M[1], M[2], ..., M[7] at the ends of the intervals.
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