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![aave Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::867100084248469505.png) Aave [@aave](/creator/twitter/aave) on x 653.4K followers
Created: 2025-07-24 18:59:45 UTC

Risk-based pricing is fundamental to TradFi lending markets, but has been absent from DeFi.

In Aave V3, borrowing rates depend on market supply and demand, not individual risk. All borrowers of an asset in the same market pay the same rate, regardless of collateral.

![](https://pbs.twimg.com/media/GwpQUCBbgAARlGM.jpg)

XXXXX engagements

![Engagements Line Chart](https://lunarcrush.com/gi/w:600/p:tweet::1948458097342837079/c:line.svg)

**Related Topics**
[has been](/topic/has-been)
[rates](/topic/rates)
[lending](/topic/lending)

[Post Link](https://x.com/aave/status/1948458097342837079)