Crypto lending profits are generated by loan interest, which is calculated hourly.

Rules for calculating loan hours: 4 hours is the minimum calculation period

1) Loan offers less than 4 hours: shall be calculated as a fixed 4 hours

2) Loan offers longer than 4 hours: shall be calculated based on actual time, rounded up (less than 1 hour shall be calculated as 1 hour)

**Interest formula:** interest = loan amount daily interest rate / 24 loan hours