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For Borrowers: Pay What You Negotiate

Interest is negotiated between you and the lender. Axios doesn’t set rates - the market does. Protocol Fee: 10% of the interest (5% during beta) Example:
  • You borrow: 10,000 USDC
  • You repay: 11,000 USDC
  • Interest paid: 1,000 USDC
  • Axios takes: 100 USDC (10% of the 1,000 interest)
  • Lender receives: 10,900 USDC
  • Your total cost: 1,100 USDC
The fee only applies to interest, never to the principal you borrowed.

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For Lenders: Earn What You Negotiate (Minus Small Fee)

Protocol Fee: 10% of your interest earnings (5% during beta) Example:
  • You lend: 10,000 USDC
  • Borrower repays: 11,000 USDC
  • Your gross earnings: 1,000 USDC interest
  • Axios takes: 100 USDC (10% of interest)
  • You receive: 10,900 USDC
  • Your net profit: 900 USDC
This is far lower than most platforms’ spread between lending and borrowing rates.