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I'M a prime user, and i would like to borrow

10K USDT. However, I saw the hint "From borrowed USDT
10.00K USDT Prime borrow APY -3.75%". What does it mean? As I understand, Right now the USDT for borrowing USDT is 7.04%, so I just have to pay the interest 7.04 - 3.75 = 3.29% APY. Is it correct?

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Yes

I regret not buying my 1,000 tokens at $5~

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