# Parameters
### **Collateral Factor**
* The maximum that can be borrowed on a particular asset. (e.g. USDC collateral factor is 80%, with price of $1, the maximum that can be borrowed is $0.80 against it.)
### **Reserve Factor**
* The percentage of the borrower's interest that accrues to Aurigami. A reserve factor of 20% means that 20% of the interest paid on the asset accrues to Aurigami.
### **Close Factor**
* The maximum amount that can be liquidated in a single transaction. 50% close factor means that a maximum of 50% of a liquidatable account's borrow can be repaid in a single liquidation transaction.
### **Liquidation Incentive**
* The incentive given to liquidators to perform liquidations and keeping the protocol solvent. A liquidation incentive of 10% means that liquidators will receive 10% of the borrower's collateral on liquidation.
### Details
| Assets | Collateral factor | Reserve factor | Close factor | Liquidation incentives |
|---|
| USDC | 80% | 15% | 50% | 10% |
| WETH | 70% | 25% | 50% | 10% |
| WBTC | 60% | 30% | 50% | 10% |
| USDT | 75% | 20% | 50% | 10% |
| WNEAR | 60% | 25% | 50% | 10% |
| stNEAR | 40% | 25% | 50% | 10% |
| NEARX | 40% | 25% | 50% | 10% |
\*`protocolSeizeShare`is 3%. This is the percentage of an account's liquidated collateral that is added to reserves, at the expense of the liquidator. The goal is to mitigate the risk of the protocol going insolvent due to cascading liquidations.
## **Interest Rate Models**
Interest rates are determined from utilisation rate, which is the percentage of total borrowed asset against the total deposited asset in a particular market.
Aurigami’s adopts an interest rate model that scales with utilisation rate, for both depositing and borrowing interest rates. When utilisation rate is high, the interest incurred on borrowers will scale up, similar to that of interest payout to depositors, encouraging more assets deposit to maintain protocol solvency.
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