The annual deposit interest rate and the annual borrowing interest rate will be converted into interest rates per second, while adopting the continuous compounding formula. Assuming that R is the annual borrowing interest rate, the formula for the interest rate per second “r” is:

Therefore, the interest rate at time “t” is:

Δt refers to the time interval from time t-1 to t.

Assuming that a user borrows “BA” amount of asset at time “t0”, and pays the debt at time “t1”, the amount that this user should pay, including the principal and interests, is

Deposit interest rate and interests calculation formulas are similar.