Lending Pools
Moar Market supports multiple isolated lending pools, each configured independently with its own assets, interest rate model, risk parameters, and strategy support. Pools act as sources of liquidity from which Credit Accounts can borrow.
🧱 Pool Structure
Each pool is a standalone component that manages:
Liquidity reserves — assets supplied by lenders
Interest accrual — tracks borrower interest over time
LTV definitions — per-asset loan-to-value ratios
Fee configuration — protocol fee on interest earned (
fee_on_interest)
Pools are risk-isolated — volatility in one pool does not affect others.
📥 For Lenders
Lenders can deposit supported assets into a pool and earn interest over time.
Key mechanics:
Interest is earned from borrower repayments
Earnings are auto-compounded into the pool’s reserves
Supply APR is derived from real-time borrow activity and utilization
A protocol fee (
fee_on_interest) may be applied to interest earned
Lenders can withdraw at any time, subject to pool liquidity.
💸 For Borrowers
Credit Accounts can borrow assets from any active pool as long as the account remains healthy under pool-specific LTV constraints.
Borrowing behavior is governed by:
The amount of liquidity available
The asset’s LTV in that pool
The interest rate model and utilization
Each borrow action updates the account’s debt and triggers a health check to ensure solvency.
🧮 Per-Asset LTVs
Each pool defines custom LTVs per supported asset, allowing the protocol to assign risk-weighted borrowing power.
For example:
USDC in Pool A may have LTV = 80%
The same USDC in Pool B could have LTV = 70% (e.g. due to attached strategies or market risk)
This lets pools fine-tune borrowing power per asset based on their own risk profile.
🔧 Configuration Flexibility
Pools are highly configurable and can be updated by governance to:
Add or remove supported assets
Adjust LTVs
Tune interest rate parameters
Enable or disable strategy usage
This flexibility allows Moar to evolve with market conditions while maintaining strict pool-level isolation and control.
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