You can only prove me wrong with calculations, not... @officialjustlend

Based on the calculations provided above, it is clear that supplying USDD is more profitable than borrowing USDD. The absolute change in USDD balance after one year is 29.5, and the relative change is +2.95%. This means that if 1000 USDD is supplied, then after one year the USDD balance will be 1029.5, while if 1000 USDD is borrowed, then the USDD balance will be 1051.7. Thus, supplying USDD is more profitable than borrowing USDD.

Also your logic here is faulty. You haven't proven anything to "prove you wrong". Your calculations above are based on wrong understanding of how things work, specifically the part "Supply mining(only 7.7% of the 8.12%) is an amount which is earned on SUM(Total supply -Total borrow)" is wrong as has been pointed out above. Start with correct definition of supply mining and then your calculations should match reality.

Okay, cool enjoy👍🏻👍🏻

It has been already "proven" above by others, but if you insist on further illustrating such simple calculations, then there you go. Borrowed amount of USDD = 1000 Supplied amount of USDD = 1000 Current USDD borrow APY = 5.17% Current USDD (total) supply APY = 8.12% After exactly 1 year, assuming USDD borrow APY and total supply APY have been same all the time: Profit from supplying USDD = 1000 * 0.0812 = 81.2 Debt from borrowing USDD = 1000 * 0.0517 = 51.7 Resulting absolute change in USDD balance = 81.2 - 51.7 = 29.5 Resulting relative change in USDD balance = 29.5 / 1000 = +2.95%