V. AI-Guided Governance (AI-Guided Lending Control)

Functional Module	AI Assistance Item	Function Description
Lending Parameter Evaluation	Lending Demand Fluctuation Prediction	Based on historical lending behavior and macro asset changes, predicts whether interest rates or limits need adjustment
Liquidation Risk Detection	Comparison of Borrower Collateral Value to Treasury Asset Ratio	Early warning for potential large-scale liquidation zones, alerting DAO or executing deleveraging operations
Renewal Behavior Learning	Analysis of User Habits and Renewal Frequency	Recommends optimal adjustment values for each renewal interest rate (between +0.3% and +1.0%)
Treasury Security Assessment	Total Borrowed Amount / Treasury Total Value Change Model	If the borrowed ratio exceeds the threshold, suggests tightening lending limits or extending cycle cooling periods