Asset Group Classification

Within the lending and borrowing market, Sumer introduces a concept of asset groups – homogeneous and heterogeneous. Each asset group consists of tokens with similar value, liquidity and risk factor. For example USDC, USDT, BUSD are homogeneous assets and belong to the same asset group whereas USDC and ETH represent heterogeneous asset groups.

Homogeneous Group 
Assets within this group consist of tokens with similar value, liquidity and risk profile.
For e.g.: USDC, USDT, BUSD and SuUSD will represent homogeneous assets within the same group. Alternative stable coins (for e.g.: MIM or FRAX) would not be in the same asset group due to the difference in risk profile when compared to USDC, USDT and BUSD.
Heterogeneous Group 
Assets within this group consist of tokens with varying value, liquidity and risk profile.
For e.g.: USDC, ETH and BTC will represent heterogeneous assets.
The understanding of Homogeneous and Heterogeneous groups is critical for a user to determine; 
1.Applicable collateral limit
2.Applicable Loan-to-Value 
1.Intra SuLTV – Depositing native assets to mint SuTokens within the homogeneous group
2.Intra LTV – Depositing native assets to borrow native asset within the homogeneous group
3.Inter LTV – Depositing native assets/ SuTokens to borrow native asset or mint SuTokens across heterogeneous group Intra LTV – Depositing SuTokens to borrow native asset or mint SuTokens across homogeneous group 
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Let us understand the homogeneous and heterogeneous groups from below table;
This is in reference to the initial deployment of the protocol on Ethereum and Binance Smart Chain.
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Supplied Asset
Network
Homogeneous native Assets
Homogeneous Synthetic Asset
Heterogeneous native Assets
 Heterogeneous Synthetic Asset 
USDC
Ethereum
USDT
suUSD
ETH, WBTC
suETH, suBTC
USDT
Ethereum
USDC
suUSD
ETH, WBTC
suETH, suBTC
ETH
Ethereum
WETH
suETH
USDC, USDT, WBTC
suUSD, suBTC
WBTC
Ethereum
RenBTC, hBTC
suBTC
USDC, USDT, WETH, ETH
suUSD, suETH
BUSD
BSC
B-USDT
suUSD
BNB, B-ETH, B-BTC
suETH, suBTC
BNB
BSC
-
-
BUSD, B-ETH, B-BTC
suUSD, suBTC, SuETH

Last modified 1yr ago

Supplied Asset	Network	Homogeneous native Assets	Homogeneous Synthetic Asset	Heterogeneous native Assets	Heterogeneous Synthetic Asset
USDC	Ethereum	USDT	suUSD	ETH, WBTC	suETH, suBTC
USDT	Ethereum	USDC	suUSD	ETH, WBTC	suETH, suBTC
ETH	Ethereum	WETH	suETH	USDC, USDT, WBTC	suUSD, suBTC
WBTC	Ethereum	RenBTC, hBTC	suBTC	USDC, USDT, WETH, ETH	suUSD, suETH
BUSD	BSC	B-USDT	suUSD	BNB, B-ETH, B-BTC	suETH, suBTC
BNB	BSC	-	-	BUSD, B-ETH, B-BTC	suUSD, suBTC, SuETH