Utilization rate (lending protocols)
JustLend DAO's assessment for RD-F-066 — scored yellow on the v1.7.0 rubric. The evidence below is the curator's reasoning for this score.
Evidence summary #
Overall utilization rate 4.97% ($178.2M borrowed against $3,586M supplied). This is anomalously low for a protocol of this TVL — standard Compound v2 forks on EVM run 40-70% utilization in active markets. Low utilization is consistent with TRON yield-farming dynamics (users supply primarily for JST/TRX incentives rather than to support borrowing demand). It also means individual market utilization varies widely. Very low utilization indicates potential yield-farming-dominated TVL inflating the supply figure relative to organic lending demand. Yellow because the anomalous rate warrants investigation but is not a direct safety failure.
Sources #
- InternalJustLend data cache 00-data-cache.json — borrow metricsData cache sources.borrow: total_supplied_usd=3586096828, total_borrowed_usd=178183232, utilization_rate_pct=4.97retrieved 2026-05-17
- JustLend DAO DocumentationJustLend profile §4 and §11 flag #13: 'Utilisation rate low — 4.97% — unusual for a protocol of this size; may reflect TRON-ecosystem stablecoin yield farming patterns'retrieved 2026-05-17
Methodology #
Read the borrowed/supplied ratio per market; flag markets above 95% utilization as at-risk for withdrawal freeze.
See the full factor methodology and distribution across all protocols →