# Proposing changes to the Arbitrum markets **URL:** \ **Category:** Proposal Discussion\ **Created:** [March 13, 2024, 2:37pm UTC](https://gov.silo.finance/t/proposing-changes-to-the-arbitrum-markets/458 "2024-03-13T14:37:11Z")\ **Posts on this page:** 1\ **Page:** 1
**Author:** ![ayham.eth](https://yyz2.discourse-cdn.com/flex032/user_avatar/gov.silo.finance/ayham.eth/32/8_2.png) [@ayham.eth](https://gov.silo.finance/u/ayham.eth)\ **Post date:** [March 13, 2024, 2:37pm UTC](https://gov.silo.finance/t/proposing-changes-to-the-arbitrum-markets/458/1 "2024-03-13T14:37:11Z")
**Tl;DR** - To prevent capital flight, we must respond to changing borrow APRs in the DeFi ecosystem. - We suggest increasing borrow APRs for USDC.e. - We suggest decreasing borrow APRs for WETH. - Some markets deserve higher risk factors (LTV/LT). **Summary of changes by market** bridgeETHv6 Use WETH IR curve in the following markets: wstETH, ARB, wBTC, rETH, GRAIL ![Screenshot 2024-03-13 at 9.30.20 AM](https://canada1.discourse-cdn.com/flex032/uploads/silo/original/1X/e14e32600a2890b2fafd621c0460146b878a3f5d.png) stableHighCapV5 Use USDC.e IR curve in the following markets: wstETH, ARB, wBTC, rETH, stEUR, LUSD ![Screenshot 2024-03-13 at 9.29.35 AM](https://canada1.discourse-cdn.com/flex032/uploads/silo/original/1X/de0a77fab139347e82fc1a2e2c20ea8e87216be4.png) stableHighCapV6 Use USDC.e IR curve in the following markets: PENDLE, RDNT, GRAIL, GMX, MAGIC ![Screenshot 2024-03-13 at 9.29.47 AM](https://canada1.discourse-cdn.com/flex032/uploads/silo/original/1X/0b8a4e0a11c0493193cc1f5abf692da4075e8ff8.png) stableHighCapV7 Use USDC.e IR curve in the following markets: SILO, WOO, GNS, JONES, PREMIA ![Screenshot 2024-03-13 at 9.42.32 AM](https://canada1.discourse-cdn.com/flex032/uploads/silo/original/1X/9ca1ac2c6ed548b96057d2807a32d74d15b2c358.png) stableHighCapV8 Use USDC.e IR curve in the following markets: PLS, Y2K, JOE ![Screenshot 2024-03-13 at 9.40.43 AM](https://canada1.discourse-cdn.com/flex032/uploads/silo/original/1X/707693cfc5709a494b0da135fffdac038fcc1cb0.png) volatileOpt65Base9p1 Use RDNT IR curve in the following markets: RDNT ![Screenshot 2024-03-13 at 9.31.58 AM](https://canada1.discourse-cdn.com/flex032/uploads/silo/original/1X/f5c68931178a957308694150dd2805af8688f4f8.png) Find all IR curves [here](https://docs.google.com/spreadsheets/d/e/2PACX-1vTDugtFWg2MQQUy0pPYCVwPlwSYy0y1RTNYdsPntW3Nmy-3u8sZ39akmcp0LIdUUiJNIPNkRhE5nH2N/pubhtml) **Full Changes** _wstETH-WETH-USDC market_ A- Increase market efficiency wstETH - Increase LT to 90% - Increase LTV to 80% WETH - Increase LT to 90% - Increase LTV to 85% B- Update IRM params Use bridgeETHv6 parameters for WETH - uopt: 80% - IR at 70%: 3.2% - Minimal rate at 100% U: 14% - APR is to drop to the floor rate immediately when utilization drops to below optimal (80%) Use stableHighCapV5 parameters for USDC.e - Set clin at 14% - Use a slow growth rate - Set the minimal rate at 27% when utilization is 100% - APR is to drop to the floor rate immediately when utilization drops to below optimal (80%) _wBTC-WETH-USDC market_ A- Increase market efficiency wBTC - Increase LT to 85% - Increase LTV to 80% WETH - Increase LT to 90% - Increase LTV to 80% B- Update IRM params Use bridgeETHv6 parameters for WETH - uopt: 80% - IR at 70%: 3.2% - Minimal rate at 100% U: 14% - APR is to drop to the floor rate immediately when utilization drops to below optimal (80%) Use stableHighCapV5 parameters for USDC.e - Set clin at 14% - Use a slow growth rate - Set the minimal rate at 27% when utilization is 100% - APR is to drop to the floor rate immediately when utilization drops to below optimal (80%) _ARB-WETH-USDC market_ A- Increase market efficiency ARB - Increase LT to 80% - Increase LTV to 70% B- Update IRM params Use bridgeETHv6 parameters for WETH - uopt: 80% - IR at 70%: 3.2% - Minimal rate at 100% U: 14% - APR is to drop to the floor rate immediately when utilization drops to below optimal (80%) Use stableHighCapV5 parameters for USDC.e - Set clin at 14% - Use a slow growth rate - Set the minimal rate at 27% when utilization is 100% - APR is to drop to the floor rate immediately when utilization drops to below optimal (80%) _rETH-WETH-USDC market_ A- Update IRM params Use bridgeETHv6 parameters for WETH - uopt: 80% - IR at 70%: 3.2% - Minimal rate at 100% U: 14% - APR is to drop to the floor rate immediately when utilization drops to below optimal (80%) Use stableHighCapV5 parameters for USDC.e - Set clin at 14% - Use a slow growth rate - Set the minimal rate at 27% when utilization is 100% - APR is to drop to the floor rate immediately when utilization drops to below optimal (80%) _PENDLE-WETH-USDC market_ - Update IRM params **Use stableHighCapV6 parameters for USDC.e** - Set clin at 16% - Use a slow growth rate - Set the minimal rate at 27% when utilization is 100% - APR is to drop to the floor rate immediately when utilization drops to below optimal (80%) _RDNT-WETH-USDC market_ USDC.e Use stableHighCapV6 parameters for USDC.e - Set clin at 16% - Use a slow growth rate - Set the minimal rate at 27% when utilization is 100% - APR is to drop to the floor rate immediately when utilization drops to below optimal (80%) RDNT Use volatileOpt65Base9p1 parameters for RDNT _GRAIL-WETH-USDC market_ A- Update IRM params WETH Use bridgeETHv6 parameters for WETH - uopt: 80% - IR at 70%: 3.2% - Minimal rate at 100% U: 14% - APR is to drop to the floor rate immediately when utilization drops to below optimal (80%) USDC.e Use stableHighCapV6 parameters for USDC.e - Set clin at 16% - Use a slow growth rate - Set the minimal rate at 27% when utilization is 100% - APR is to drop to the floor rate immediately when utilization drops to below optimal (80%) _stEUR-WETH-USDC market_ - Update IRM params USDC.e Use stableHighCapV5 parameters for USDC.e - Set clin at 15% - Use a slow growth rate - Set the minimal rate at 27% when utilization is 100% - APR is to drop to the floor rate immediately when utilization drops to below optimal (80%) _GMX-WETH-USDC market_ - Update IRM params USDC.e Use stableHighCapV6 parameters for USDC.e - Set clin at 16% - Use a slow growth rate - Set the minimal rate at 27% when utilization is 100% - APR is to drop to the floor rate immediately when utilization drops to below optimal (80%) _WOO-WETH-USDC market_ **1- Update IRM params** USDC.e Use stableHighCapV7 parameters for USDC.e - Set clin at 18% - Use a slow growth rate - Set the minimal rate at 27% when utilization is 100% - APR is to drop to the floor rate immediately when utilization drops to below optimal (80%) _SILO-WETH-USDC market_ - Update IRM params USDC.e Use stableHighCapV7 parameters for USDC.e - Set clin at 18% - Use a slow growth rate - Set the minimal rate at 27% when utilization is 100% - APR is to drop to the floor rate immediately when utilization drops to below optimal (80%) **GNS-WETH-USDC market** - Update IRM params USDC.e Use stableHighCapV7 parameters for USDC.e - Set clin at 18% - Use a slow growth rate - Set the minimal rate at 27% when utilization is 100% - APR is to drop to the floor rate immediately when utilization drops to below optimal (80%) _MAGIC-WETH-USDC market_ **1- Update IRM params** USDC.e Use stableHighCapV7 parameters for USDC.e - Set clin at 18% - Use a slow growth rate - Set the minimal rate at 27% when utilization is 100% - APR is to drop to the floor rate immediately when utilization drops to below optimal (80%) _WINR-WETH-USDC market_ USDC.e - Update IRM params Use stableHighCapV7 parameters for USDC.e - Set clin at 18% - Use a slow growth rate - Set the minimal rate at 27% when utilization is 100% - APR is to drop to the floor rate immediately when utilization drops to below optimal (80%) _JONES-WETH-USDC market_ - Update IRM params USDC.e Use stableHighCapV7 parameters for USDC.e - Set clin at 18% - Use a slow growth rate - Set the minimal rate at 27% when utilization is 100% - APR is to drop to the floor rate immediately when utilization drops to below optimal (80%) _LUSD-WETH-USDC market_ USDC.e 1- Update IRM params USDC.e Use stableHighCapV7 parameters for USDC.e - Set clin at 18% - Use a slow growth rate - Set the minimal rate at 27% when utilization is 100% - APR is to drop to the floor rate immediately when utilization drops to below optimal (80%) _JOE-WETH-USDC market_ - Update IRM params USDC.e Use stableHighCapV7 parameters for USDC.e - Set clin at 18% - Use a slow growth rate - Set the minimal rate at 27% when utilization is 100% - APR is to drop to the floor rate immediately when utilization drops to below optimal (80%) _PREMIA-WETH-USDC market_ - Update IRM params USDC.e **Use stableHighCapV7 parameters for USDC.e** - Set clin at 18% - Use a slow growth rate - Set the minimal rate at 27% when utilization is 100% - APR is to drop to the floor rate immediately when utilization drops to below optimal (80%) _Y2K-WETH-USDC market_ - Update IRM params USDC.e Use stableHighCapV8 parameters for USDC.e - Set clin at 20% - Use a slow growth rate - Set the minimal rate at 27% when utilization is 100% - APR is to drop to the floor rate immediately when utilization drops to below optimal (80%) _PLS-WETH-USDC market_ - Update IRM params USDC.e Use stableHighCapV8 parameters for USDC.e - Set clin at 20% - Use a slow growth rate - Set the minimal rate at 27% when utilization is 100% - APR is to drop to the floor rate immediately when utilization drops to below optimal (80%)