š§µADA vs USDA ā Same Loan, Different Risk
Borrowing $100 USDM on Liqwid?
You can use ADA or USDA as collateralābut your risk exposure isnāt the same.
Letās unpack why.š
1/ You borrow $100 USDM.
Your Health Factor is set to 2.0, with Safe Mode on.
Hereās the exact collateral used in both scenarios:
šµ Collateral: 345.98 ADA (at ~$0.29/ADA) ā ~$100
š¢ Collateral: 250.01 USDA (at $1.00) ā $250.01
Both yield the same Health Factorā¦ but the risk? Not the same.
2/ Why? Price behavior.
ā¢ ADA is volatile. It can drop 10%+ in a day.
ā¢ USDA is stable. Pegged to $1.
Both assets have similar Max LTVs (~80%).
But ADA's price moves, affecting your collateral value and health factor in real time.
USDAās doesn't, as the collateral value is staying the same.
3/ What happens if the price drops?
Your 345.98 ADA ā now worth ~$90
Ā š» LTV jumps, Health Factor drops
Ā ā ļø Youāre closer to liquidation
With USDA? No price change ā your HF stays steady.
Same loan. Different volatility exposure.
4/ This is why we use Health Factor
LTV tells you where you start.
Health Factor tells you where you're headed.
It reacts dynamically to:
ā¢ Asset price changes
ā¢ Market utilization
ā¢ Borrowed amount
ā¢ Collateral quality
5/ Liqwidās Risk Framework helps manage this:
Each assetās LTV is set using:
ā
Volatility scoring
ā
Liquidity analysis
ā
Oracle safeguards
ā
Governance oversight
Youāre not flying blind. The system is designed to protect you.
6/ Want to try it yourself?
Head to: šĀ
Choose different collateral types, adjust the sliders, and see how your Health Factor changes in real time.
āļø Borrowing is easy. Managing risk is the real skill.
Ā Learn the tools. Master the mechanics. Stay in the game.
š Learn more:
Ā š
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#DeFi #Cardano #LiqwidFinance #CryptoRisk #HealthFactor
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