Kinetic's FXRP lending market on Flare held roughly $24 million in supplied assets on Nov. 1, with an annualized base lender rate of about 0.04%. Kinetic's official market page showed $2 million borrowed, while FlareSignal measured FXRP utilization at 6.7%. Rewards accounted for most of the displayed lender return, rather than interest funded by borrowers. Supplied FXRP can also provide collateral for borrowing, subject to market rules, but access to credit is separate from lender income.