Protocol Fees

Moar Market applies protocol-level fees at various stages of borrower and liquidator interaction. These fees are used to support sustainable protocol operations and incentivize third-party actors like liquidators.

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🟢 Origination Fees

There are no origination fees charged currently.

If enabled in the future, origination fees would be applied as a percentage of the borrowed amount and configured per isolated pool.

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🟠 Interest Rate Spread

Moar charges a continuous protocol fee on the interest earned by lenders. This is defined as a spread between:

• The borrower’s interest rate

• The lender’s supply APY

The difference (configured via fee_on_interest) is retained by the protocol. It is deducted from gross borrower interest before distribution to lenders.

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🔴 Liquidation Fees

When a Credit Account is liquidated, a liquidation bonus is applied — allowing the liquidator to seize collateral worth slightly more than the debt repaid.

This bonus is:

• Paid by the borrower via seized assets

• Split between the liquidator and the protocol, depending on pool configuration

This ensures that:

• Liquidators are properly incentivized

• The protocol captures value from managing risk