> For the complete documentation index, see [llms.txt](https://justlend.gitbook.io/untitled/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://justlend.gitbook.io/untitled/faq/what-determines-the-supply-apy-and-borrow-apy.md).

# What determines the Supply APY and Borrow APY?

You will notice that on the market page the APYs for supply and borrow are different

Click on each token to view details of the token.

![](https://justlendorg.zendesk.com/hc/article_attachments/360078662371/mceclip2.png)

![mceclip3.png](https://justlendorg.zendesk.com/hc/article_attachments/360078526292/mceclip3.png)

 

It can be seen from the two charts above that the variation curve for the APYs supply and borrow vary from token to token, because parameters vary for each token on. JustLend. Smooth model and jump model are applied to calculate the Supply APY and Borrow APY.