Interest Rates

Why rates are different

Twyne builds on top of existing lending markets, inheriting their base interest rates. But it also adds a second layer — one that’s all about borrowing credit.

This creates a new type of yield: Credit LPs can earn from lending out their unused borrowing power, and Borrowers can access more capital at a fair rate.

How it works

When you borrow using Twyne:

• You earn and pay the usual supply and borrow rates on the underlying platform (like Euler).
• But if you use delegated credit, you also pay a small fee to the Credit LPs who made that extra borrowing power available.

Here’s the magic:
To boost a loan from 80% to 90% LTV, you only need a small amount of extra capital. The yield paid by the borrower is amplified by up to 8× for the Credit LP — high yield for Credit LPs without costing the borrower much.

Using Twyne for a year as a borrower is often cheaper than facing instant liquidation fees.