# Interest Rate Model A key advantage of Avalon’s CeDeFi CDP is its stable borrowing rate for USDa, which remains unaffected by utilization rates. This structure provides users with predictable and consistent borrowing costs, ensuring greater financial stability. By combining the reliability of CeFi institutions with Avalon’s unique fee model, we offer a seamless and transparent borrowing experience. --- # 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.avalonfinance.xyz/avalon-btcfi-products/cedefi-cdp-usda/interest-rate-model.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.