This will go live next week. The code has been audited by SCV.
There is no way to know how bringing on the massive amount of new collateral from ETH, Matic, AVAX, etc over the next few months will have. This could buy us more time and help bring the sustainable rate up over 5-7% it has been hovering at. These are all gov params so that they can be adjusted if they aren’t working as needed until it is calibrated correctly.
Even if rates drop to under 10%, it’s still nearly 3x any other savings and lending protocol, and data shows that the rates changes on Aave and Compound have little to no effect on deposit withdrawals.