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What is Net APY?

Net APY is an important reference for users to understand the P&L of the current assets and loans.
Net APY = [∑ (Value of Supplied Token × Supply APY) - ∑ (Value of Borrowed Token × Borrow APY) ] ÷ Value of Total Supply

What determines the Supply APY and Borrow APY?

You will notice that on the market page the APYs for supply and borrow are different
Click on each token to view details of the token.
It can be seen from the two charts above that the variation curve for the APYs supply and borrow vary from token to token, because parameters vary for each token on. JustLend. Smooth model and jump model are applied to calculate the Supply APY and Borrow APY.