> For the complete documentation index, see [llms.txt](https://ark-defai.gitbook.io/ark/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://ark-defai.gitbook.io/ark/4.-layer-1-or-economic-laws-of-ark-defai/4.4-ark-loan-module-or-ark-lending-collateralized-lending-system/vi.-dao-governable-parameters-table.md).

# VI. DAO Governable Parameters Table

<table data-header-hidden><thead><tr><th width="198"></th><th width="349"></th><th></th></tr></thead><tbody><tr><td><strong>Parameter Name</strong></td><td><strong>Function Description</strong></td><td><strong>Example Value</strong></td></tr><tr><td>Base Loan Interest</td><td>Initial borrowing interest rate</td><td>3% / year</td></tr><tr><td>Renewal Add Rate</td><td>Interest rate increment for each renewal</td><td>+0.5%</td></tr><tr><td>Max Renew Times</td><td>Maximum number of renewals</td><td>3 times</td></tr><tr><td>Liquidation Ratio</td><td>Liquidation threshold (Collateral value ÷ Loan)</td><td>110% (minimum 105%)</td></tr><tr><td>Discount Auction %</td><td>Auction discount rate</td><td>8%</td></tr><tr><td>Loan Lock Duration</td><td>Length of each loan cycle</td><td>90 days</td></tr><tr><td>Max Borrowed Ratio</td><td>Maximum total borrowing as percentage of treasury assets</td><td>50%</td></tr></tbody></table>

These parameters can be adjusted through DAO proposals and may also be recommended by AI outputs for governance reference.