# Supply rate The interest rate paid by borrowers is distributed as yield to users who supplied to a respective lending pool, excluding a “spread” that is sent to the ecosystem reserve (the amount is determined by the reserve factor). ***Supply interest rate = utilization rate \* borrow rate \* (1 - reserve factor)*** If the utilization rate of a lending pool is 50% and the borrow rate is 10%, then borrowers are only paying 10% on half of the assets supplied. As a result, lenders will actually only receive 5% on their capital (minus the reserve factor). --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.amply.finance/interest-rate-model/supply-rate.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.