I've seen some platforms explain it as logic embedded in the code which i find to be quite sneaky. Like which ordinary user is going to study the code and spot an issue with rates that drop drastically?
At least with points 1 and 3, you can do some planning in advance.
That's true... I wouldn't even know where to start...
I've been asking around about this APR thing but it looks like a lot of people are confused by it too
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