> For the complete documentation index, see [llms.txt](https://yupana-finance.gitbook.io/yupana-document-portal/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://yupana-finance.gitbook.io/yupana-document-portal/developer-space/interestrate-contract/on-chain-views.md).

# On-chain views

This section describes on-chain (old-style) views to provide math of utilization, borrow and supply rate.

Let [`utilisationRate`](/yupana-document-portal/developer-space/interestrate-contract/on-chain-views/getutilizationrate.md) is

$$
U = \dfrac{borrows}{cash+borrows-reserves}
$$

{% content-ref url="/pages/rrvMquPZDxNZwuJMm1i2" %}
[getUtilizationRate](/yupana-document-portal/developer-space/interestrate-contract/on-chain-views/getutilizationrate.md)
{% endcontent-ref %}

and

$$
kink = U^\*
$$

then [`borrowRate`](/yupana-document-portal/developer-space/interestrate-contract/on-chain-views/getborrowrate.md) is 

$$
B = \begin{cases}
baseRate + U \* multiplier & \text{if } U \leqslant U^*\\
baseRate + U^* \* multiplier + (U - U^*) \* jumpMultiplier & \text{if } U > U^*\\
\end{cases}
$$

{% content-ref url="/pages/LRVnSQQXMooQdBdbWZV5" %}
[getBorrowRate](/yupana-document-portal/developer-space/interestrate-contract/on-chain-views/getborrowrate.md)
{% endcontent-ref %}

finally, [`supplyRate`](/yupana-document-portal/developer-space/interestrate-contract/on-chain-views/getsupplyrate.md) is 

$$
S=B*U*(1-reserveFactor)
$$

{% content-ref url="/pages/X3sItgaA3O91paAsBsDK" %}
[getSupplyRate](/yupana-document-portal/developer-space/interestrate-contract/on-chain-views/getsupplyrate.md)
{% endcontent-ref %}