# Market Rate Borrow and supply yields should align with market rates to retain suppliers and borrowers: * Stablecoin supply and borrow APYs should not differ from stablecoin rates on other DeFi protocols by more than 1-3%. * WETH staking yields (currently around 4%) should upper bound the WETH borrow rates using wstETH (LRT/LSTs) collateral. Morpho markets are single collateral/supply markets (as opposed to blended), which increases capital efficiency. Rates can be targeted to be superior for both borrowing (lower) and supply (higher). Ensuring competitive borrow and supply rates helps retain borrowers, facilitating sustainable yield for suppliers in the vault. --- # 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://vaultbook.gauntlet.xyz/vaults/morpho-vaults/vault-curation-considerations-a-deeper-dive/market-rate.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.