> For the complete documentation index, see [llms.txt](https://docs.exact.ly/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.exact.ly/guides/interest-rates-curves.md).
# Interest Rates Curves
The demand curve for interest rates is based on the Utilization Rate of each pool. Increasing and decreasing the interest rate incentivizes lenders to provide additional liquidity and borrowers to request more credit, ​​respectively. The curve can be easily [parametrized](/guides/parameters.md) to adjust it to changing market conditions.
You can read more about our Interest Rate Model in our [White Paper](https://docs.exact.ly/getting-started/white-paper#3.-the-exactly-interest-rate-model) and also in our [Math Paper](https://docs.exact.ly/getting-started/math-paper#4.1.2-the-effective-interest-rate-for-a-particular-loan).
## WETH - Ethereum Mainnet