I generally agree with the sentiment of this post but I feel like what is proposed is to aggressive.
- Imo first a migration must be available on the ui.
- One might consider disabling borrowing & slowly increasing the RF.
- The time interval for RF jumps seems very fast to me. Not every user checks balances every day. A too speedy reduction might cause liquidations on leveraged positions which rely on predictable variable debt and supply apys.
Currently, the polygon v2 market has 3x the size of polygon v3, which to me looks like for most accounts the v3 benefits didn’t yet justify the migration. I think proposals like [ARC] Aave v3 Polygon wMATIC Interest Rate Update - #5 by Pauljlei [ARC] SD Emission_Admin for Polygon v3 Liquidity Pool [ARC] stMATIC Emission_Admin for Polygon v3 Liquidity Pool will make polygon v3 more attractive and lead to organic migration.
Personally would vote for not rushing this and giving it a bit more time.