Interest Rate Mechanics

Distinctively, IFICHI does not have protocol-set interest rates; these are determined by market dynamics.

The issuance of iTokens is accompanied by the creation of a liquidity pool for the iToken and its underlying asset. Market participation in these pools drives the effective interest rate.

For example, lending 10,000 USDC through IFICHI might offer a 5% interest rate for a one-year term, yielding approximately 10,500 iUSDC upon maturity.