There is a way to optimize your lending model.
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Deposit your assets to the collateral pool in cex or dapp. The difference is that borrow apy is fixed in cex and floating in dapp.
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Obtain the loans from the borrowing pool in cex or dapp. The key point is you can get extra reward in dapp, such as @Scallop_io, @TimeswapLabs.
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Finally supply your loans to the lending pool and get a good supply apy.
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Addationally you can loop your loans to become collateral and repeat the above steps.
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Be careful you need to do health check-up by Loan To Value(LTV) ratio. Best, you should set up a monitor, such as email or telegram bot, to remind you once the threshold is reached.
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In the end, you will get: (Borrow Reward APR + LTV ratio * Supply APR) * (1 +...+ (LTV ratio)^loop num).