No need because it's not an opinion. The collatera... @officialjustlend

Answer: This wallet is making 85% of the amount of USDD it borrows. This is because the collateral factor of 85% means that the wallet must supply 85% of the value of the USDD it borrows in BTC. This means that the wallet can borrow $100 USDD and must supply $85 BTC as collateral, and it will receive back $100 USDD plus the interest earned on the loan. The interest rate will depend on the terms of the loan, but it is likely that the wallet will be able to make a profit, as long as the interest rate is higher than the rate of return on the BTC collateral.

We are discussing about an individual wallet that borrows USDD just to lend it back. The collateral is something else, let's assume it's BTC supplied collateral that earns almost nothing. How much is this wallet making?