Links

Risks

Loss of Capital

  • Risk:
    • If positions are not liquidated in a timely manner, lenders may lose a portion of their capital.
  • Mitigation:
    • The initial maximum loan-to-value ratios have been seen so that loans are 166% collateralized. This should also provide ample time for liquidations.

Borrower Risks

Liquidation

  • Risks:
    • If the value of your borrowed asset rises above your borrowing capacity - the asset you deposit as collateral may drop in value or the asset you borrow may rise - your position will be liquidated. Refer back to Liquidation Thresholds for more information.
  • Mitigation:
    • Borrowers can closely monitor their positions and close them before hitting liquidation levels.
    • Though the liquidation threshold and max loan-to-value ratios are the same, the "Safe Max" option provides a cushion for borrowers. The window between when the value of borrowed assets rises above the maximum loan-to-value ratio and remains under the liquidation threshold provides borrowers opportunities to take action.

Smart Contract Risks

  • Risks:
    • As with any project, there are idiosyncratic risks associated with the project. Though the code has been audited by external security firms, attackers may still find and exploit vulnerabilities.
  • Mitigation:
    • Qubit's code are audited by Peckshield and Theori(link).
    • Qubit's developers make an active effort to reduce the security risks of dependence on other smart contracts and will only interact with smart contracts that reach the development team's security threshold.
    • Chainlink will provide oracles and price feed data for Qubit.