Liqwid
Liqwid
ADA+5,88%
đŸ§”ADA vs USDA — Same Loan, Different Risk Borrowing $100 USDM on Liqwid? You can use ADA or USDA as collateral—but your risk exposure isn’t the same. Let’s unpack why.👇
Gallery 1
1/ You borrow $100 USDM. Your Health Factor is set to 2.0, with Safe Mode on. Here’s the exact collateral used in both scenarios: đŸ”” Collateral: 345.98 ADA (at ~$0.29/ADA) → ~$100 🟱 Collateral: 250.01 USDA (at $1.00) → $250.01 Both yield the same Health Factor
 but the risk? Not the same.
Gallery 1
Gallery 2
2/ Why? Price behavior. ‱ ADA is volatile. It can drop 10%+ in a day. ‱ 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. USDA’s doesn't, as the collateral value is staying the same.
3/ What happens if the price drops? Your 345.98 ADA → now worth ~$90 Â đŸ”» LTV jumps, Health Factor drops  ⚠ You’re closer to liquidation With USDA? No price change → 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: ‱ Asset price changes ‱ Market utilization ‱ Borrowed amount ‱ Collateral quality
5/ Liqwid’s Risk Framework helps manage this: Each asset’s LTV is set using: ✅ Volatility scoring ✅ Liquidity analysis ✅ Oracle safeguards ✅ Governance oversight You’re not flying blind. The system is designed to protect you.
6/ Want to try it yourself? Head to: 👉  Choose different collateral types, adjust the sliders, and see how your Health Factor changes in real time. ⚖ Borrowing is easy. Managing risk is the real skill.  Learn the tools. Master the mechanics. Stay in the game. 🔗 Learn more:  📘  🎓 #DeFi #Cardano #LiqwidFinance #CryptoRisk #HealthFactor
Fonte:twitter
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