[RFC] Adjusting Collateral Ratios

Author[s]: Mendi Core Team

Title: Adjust Collateral Ratios

Type: Request for comments

---

Proposal

With the shifting market conditions the Mendi core team proposes the following adjustments to the collateral and reserve factors:

Market	Old C-factor	New C-factor	Old R-factor	New R-factor
USDC	80%	85%	10%	10%
USDT	80%	85%	10%	10%
wETH	70%	80%	20%	15%
ezETH**	50%	70%	20%	20%

**Pending enabling of withdrawals and full repeg of ezETH

Motivation

With these adjusted collateral factors the lending protocol can capture a larger market share within the market.

Technical considerations

The Core Team will adjust the Collateral Factors with a 24 hour timelock

Expected Timeline

• RFC and Temperature Check from 04/27 to 04/30
• Governance Vote: Pending
• Deployment Target: Pending