[ARC] Risk Parameter Recommendations for Aave V2 ETH (2022-11-22)

Also, I’d like to ask the Aave governance to ponder one of the key driving components in this attack: the absolute preferential treatment given to USDC, both in terms of Liquidity Mining when it was a thing, but also in the collateral parameters.

The CRV scenario we saw yesterday is primarily due to USDC’s very permissive LTV (87%) - so if we want to take broad measures to risk off the Aave Protocol, I’d start by lowering USDC LTV.

The current setting means that only a ~11% increase of the borrowed token price is enough to go into bad debt territory (assuming USDC collateral and max borrow). Every % we can grab here would have a massive impact.

So if we are worried about a scenario like yesterday unfolding again, I think the most immediate and effective measure we can take is to lower USDC and other stablecoins collateral ratios: 80% should be the upper bond until the additional guarantees offered by v3 are available.

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