Hello!
About your question: @loanplus, can you explain why the return for investors is higher than the interest charged to borrowers?
Well, it is a little more complicated than that. I cannot fully disclose how we calculate our interest rate for borrower and investors, but I can give you some insights.
Firstly, the interest rate for borrowers depends on many factors, for example it is: 0.024% daily for a LTV of 35%, and 0.04% daily for a LTV of 65%. Also the interest rate changes with the payment frequency, so it can be up to 0.56% daily if you chose monthly payments. So it is not always the case the return for investors is higher than the interest charged to borrowers.
There are other factors to consider, for example: the changes of conversion rates of the differents currencies that we hold as collateral. Or The loans that are reinvested on the lending pool, etc.
So after analyzing all the factors, we come with that interest rate for investors.