Fundamental interest rate model

blocksPerYear is 10512000

BaseRate Per Year can be considered as Annual Percentage Rate (APR).

Multiplier Per Year can be interpreted as the annualized factor for the fund utilization rate.

$$BaseRatePerBlock = baseRatePerYear / blocksPerYear$$

$$MultiplierPerBlock = multiplierPerYear / blocksPerYear$$

$$UtilizationRate (ur) = borrows / (cash + borrows - reserves)$$

$$BorrowRate = ur * multiplierPerBlock + baseRatePerBlock$$

$$SupplyRate = ur * br * (1 - reserveFactor)$$