In regards to APR on ASKOLend, the APR will be set at market rate APR on ASKOLend borrowing. The borrower APR is applied to borrowers at a rate that can be reasonably accomplished on market for that token; be it via staking, yield farming, lending, etc. Lending APR will fluctuate based on the amount borrowed, and the market APR. For lending, high-risk APR will always be higher than low-risk APR. The cost of being able to borrow is incurred in the difference between borrowing APR, and lending APR. For this reason, lenders of tokens that have an APR elsewhere are incentivized to borrow rather than let their assets sit. However, in many cases, a token has no available APR on the market. In these cases, a lender can opt to lend and let their assets sit while achieving a better than market APR.
From a developer's perspective, the average of the APR of a high-risk token and a low-risk token for any given asset listed on ASKOLend, will be the borrower’s APR. The APR is assigned to these risk tokens, and fluctuates algorithmically. Due to the fact that only low-risk tokens can be used as collateral on ASKOLend, there will be more liquidity lent and available to be borrowed, than liquidity borrowed. As a result, the expectation is that the average APR between high and low-risk lending will be 50% or less than that of borrowing APR.