Kink IRM with Multiplier

The kink IRM with multiplier adjusts interest rates consistently with changes in utilization until a critical threshold where interest will increase more rapidly and with a time-based multiplier.

It consists of two utilization ranges:

1. Pre-Kink

2. Post-Kink

Pre-Kink

The pre-kink utilization range increases interest linearly with increases to utilization rate.

Post-Kink

The post-kink utilization range increases interest more rapidly with increases to utilization rate.

A time-based multiplier is added that increases interest even without changes to utilization.