Lending Market Parameters
Overview of contracts and asset configuration
Supported assets and parameters
The following Optimism Lending Protocol parameters were last updated on August 27, 2026. Market parameters, rates, caps, and borrowable assets can change. The app is the source of truth for your current Product LTV, health factor, and available-to-borrow amount.
For each asset there are a few parameters defined in the Lending Protocol spoke:
Collateral factor (CF): The percentage of an asset's value used to calculate health factor and determine whether a position can be liquidated
Max liquidation bonus: The cap on the discount a liquidator receives when claiming collateral
Liquidation fee: The protocol's cut of the liquidation bonus
Collateral risk: A per-asset score that reflects how risky an asset is to lend against and increases the interest premium
Product LTV is the app-enforced limit used to calculate borrowing power. The Product LTV values are more conservative than the Aave market collateral factor (CF). See Borrowing Power, Health Factor, and Liquidation.
USDC
81%
90%
5%
10%
0 bps
yes
USDT
81%
90%
5%
10%
0 bps
no
EURC
81%
90%
7.5%
10%
0 bps
no
frxUSD
81%
90%
7.5%
10%
0 bps
no
weETH
55%
75%
10%
10%
0 bps
no
WETH
55%
75%
10%
10%
0 bps
yes
eBTC
52%
72%
12.5%
10%
0 bps
no
ETHFI
20%
40%
15%
10%
0 bps
no
sETHFI
20%
40%
20%
10%
0 bps
no
OP
20%
40%
15%
10%
0 bps
no
WHYPE
45%
65%
12.5%
10%
0 bps
no
beHYPE
40%
60%
15%
10%
0 bps
no
liquidETH
50%
70%
15%
10%
0 bps
no
liquidBTC
50%
70%
15%
10%
0 bps
no
liquidUSD
80%
90%
10%
7.5%
0 bps
no
liquidReserve
80%
90%
10%
7.5%
0 bps
no
liquidEUR
80%
90%
12.5%
7.5%
0 bps
no
liquidRWA
75%
90%
12.5%
7.5%
0 bps
no
QQQx
66%
78%
10%
10%
0 bps
no
SPYx
67%
78%
10%
10%
0 bps
no
PAXG
68%
80%
10%
10%
0 bps
no
TBLLx
70%
80%
10%
10%
0 bps
no
eUSD is being wound down as a lending market asset. It no longer counts as collateral and no new supplies are accepted. Existing balances can still be withdrawn.
Interest curves
The interest rate curve is two straight lines with fixed slopes, the interest rate transitions between slopes when the market utilisation reaches the kink threshold.
USDC
30%
85%
3.00%
1.25%
10%
WETH
30%
85%
1.00%
1.50%
14%
Global liquidation config
Target health factor
1.24
Health factor for max bonus
0.90
Liquidation factor
0.9
Contract details
AaveV4Lens
0x35Ba1a778359421F2757154a35BD4881AcE98C91
Spoke
0xdffcC3536D932eb51Df51a7F5FA407c4270d5308
Hub
0x66753c4e3fC84f1eD0e3C267C927284E9d90C572
Last updated