# Jump (Kink) Model **Jump (Kink) Model** is a formula that is used for markets that have typically higher historical utilization. Resulting interest rate in this model will be significantly higher than that of under the Standard Model regime to encourage heavier supply and discourage further borrowing. > ***Borrow Rate**: Base Rate + \[Multiplier x min(Kink, Utilization)] + \[Jump Multiplier x max(0, Utilization - Kink)* > > ***Supply rate**: Borrow Rate x Utilization Rate x (1 - Reserve Factor)* > > where > > **Kink** = The cut-off point in utilization rate where interest rate follows the Jump Model (e.g., 80%) > > **Jump Multiplier** = Scale factor per utilization under Jump Model > > **Base Rate, Utilization Rate and Multiplier** = same as above --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://tectonic.gitbook.io/docs/protocol/interest-rate-models/jump-kink-model.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.