Propose to adjust the borrowing model for stable farming pools

Introduction: Extra Finance's Fixed-Interest-Rate Model has been instrumental in stabilizing pool farming, providing significant benefits to users.

However, around 80% utilization, the unpredictability in lending APY and borrowing APY poses challenges. To address this, i propose a refined model to mitigate drastic changes in interest rates.

Proposed Solution: To mitigate the steep rate changes at around 80% utilization, an additional curve is suggested to be introduced between the fixed-rate and repaying-call curves. This will provide more stability and predictability to users. The proposed adjustments are as follows:

• Utilization < 75%: Fixed borrowing interest: 10% ,This ensures stability for users with lower utilization rates.
• 75% <= Utilization < 85%: Upper borrowing interest: 30% This introduces a gradual increase in borrowing interest, mitigating sudden rate spikes and promoting smoother transitions as utilization approaches higher levels.
• Utilization >= 85%: Upper borrowing interest capped at 100%

Benefits: Improved Predictability: Users can anticipate interest rate changes more accurately, allowing for better decision-making and risk management. Enhanced Stability: The introduction of an additional curve reduces the likelihood of drastic interest rate fluctuations, fostering a more stable lending environment.