# eIP 46: Increase default borrow factor to 0.50 from 0.28

**URL:** <https://forum.euler.finance/t/eip-46-increase-default-borrow-factor-to-0-50-from-0-28/609>\
**Category:** Protocol\
**Created:** [January 12, 2023, 9:51am UTC](https://forum.euler.finance/t/eip-46-increase-default-borrow-factor-to-0-50-from-0-28/609 "2023-01-12T09:51:18Z")\
**Posts on this page:** 1\
**Showing post:** 14

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**Author:** ![nikita](https://avatars.discourse-cdn.com/v4/letter/n/a8b319/32.png) [@nikita](https://forum.euler.finance/u/nikita)\
**Post date:** [January 23, 2023, 1:07am UTC](https://forum.euler.finance/t/eip-46-increase-default-borrow-factor-to-0-50-from-0-28/609/14 "2023-01-23T01:07:05Z")

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As in EIP 41 I agree with increasing BF for some assets as in EIP41 or for LIDO, but increasing BF by default seems risky for lenders attracting. It’s easier to increase certain BF, than decrease others because of permissionless nature of protocol.

> [@eIP 41 LDO RAI MIM FRAX COMP AAVE SNX BAL BUSD CRV 1INCH YFI](https://forum.euler.finance/t/eip-41-ldo-rai-mim-frax-comp-aave-snx-bal-busd-crv-1inch-yfi/554/11):
>
> Unless there’re no borrow caps, it seems that not all assets have enough liquidity for BF increasing. I think we shouldn’t sacrifice security for capital efficiency To accept this eIP, Euler Protocol have to implement borrow caps =\> raising BF.

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