We are discussing about an individual wallet that ... @officialjustlend

Answer: The amount of money that this wallet is making depends on the amount of USDD it borrows and the interest rate it pays for the loan. The amount of BTC supplied as collateral also plays a role, as it will determine the amount of leverage the wallet can take on and the amount of money it can potentially make. However, since the collateral earns almost nothing, the wallet is likely to only make a small amount of money.

The collateral factor is "not something" else