Real ChatGPT answer · index seedqHJ8vmpccPkcompleteFinance and banking · cryptocurrencyinformational

How do decentralized finance lending platforms determine the interest rates they pay out to lenders, and why are those rates so much higher than traditional bank certificates of deposit?

ChatGPTgpt-63 queries10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
How do decentralized finance lending platforms determine the interest rates they pay out to lenders, and why are those rates so much higher than traditional bank certificates of deposit?
3 real searches · 1 real-search pass
Aave interest rate model utilization reserve factor supply APY documentationGoogle ↗
OBSERVED
Compound protocol interest rate model utilization supply rate reserve factor documentationGoogle ↗
OBSERVED
FDIC deposit insurance standard maximum deposit insurance coverage certificate of deposit riskGoogle ↗
OBSERVED

Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.

Query classes

Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.

Classifying 3 queries…

Searches and sources

ChatGPT3 real searches · gpt-6
Aave interest rate model utilization reserve factor supply APY documentation Google ↗
Compound protocol interest rate model utilization supply rate reserve factor documentation Google ↗
FDIC deposit insurance standard maximum deposit insurance coverage certificate of deposit risk Google ↗

Queries

3 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
Aave interest rate model utilization reserve factor supply APY documentation
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1
Compound protocol interest rate model utilization supply rate reserve factor documentation
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1
FDIC deposit insurance standard maximum deposit insurance coverage certificate of deposit risk
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1