Yes, I do -- you can look at how the borrow rate varies with the fraction of available tokens borrowed, e.g.: https://compound.finance/markets/USDT https://com

Yes, I do -- you can look at how the borrow rate varies with the fraction of available tokens borrowed, e.g.: https://compound.finance/markets/USDT https://compound.finance/markets/USDT It saturates at a pretty low level. I have no idea what you mean by the expression "like USD bank rates" though. Fixed? (bank rates aren't that, necessarily)