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📋Liquidation Case Study

Two full numerical liquidation scenarios

Both triggers of liquidation, worked end-to-end. Current threshold and fee values: Protocol Parameters (this page uses 80% threshold, 50% liquidation amount, 7% fee).

Scenario 1 — Collateral value falls

Setup: Alice deposits 10 ETH at $2,000/ETH ($20,000) and borrows 12,000 USDC.

Event
Collateral
Debt
LTV

Entry

$20,000

$12,000

60%

ETH → $1,600

$16,000

$12,000

75%

ETH → $1,500

$15,000

$12,000

80% → liquidatable

Liquidation:

  • Liquidator repays 6,000 USDC (50% of debt)

  • Collateral seized: 6,000 × 1.07 / $1,500 = 4.28 ETH ($6,420)

  • Alice's remaining position: 5.72 ETH ($8,580) collateral, 6,000 USDC debt

  • Post-liquidation LTV: 6,000 / 8,580 ≈ 70%

Scenario 2 — Borrowed asset rallies

Liquidation can also strike when the debt appreciates, even if your collateral is a stablecoin.

Setup: Charlie deposits 1,000,000 USDC and borrows 10 BTC at $60,000/BTC ($600,000 debt).

Event
Collateral
Debt
LTV

Entry

$1,000,000

$600,000

60%

BTC → $75,000

$1,000,000

$750,000

75%

BTC → $80,000

$1,000,000

$800,000

80% → liquidatable

Liquidation:

  • Liquidator repays 5 BTC ($400,000 — 50% of debt)

  • Collateral seized: $400,000 × 1.07 = $428,000 USDC

  • Charlie's remaining position: $572,000 USDC collateral, 5 BTC ($400,000) debt

  • Post-liquidation LTV: 400,000 / 572,000 ≈ 70%

Takeaways

  • Watch both sides: collateral falling and debt rallying raise LTV. Borrowing a volatile asset against stablecoins is not a "safe" configuration.

  • Usually partial — not always: at the 80% threshold, liquidation takes 50% of debt and the corresponding collateral + fee, and the position survives at a safer LTV. If LTV deteriorates past the full-liquidation threshold (≈ 85% — Protocol Parameters), the entire debt is liquidated in one call. Don't treat the 50% figure as your worst case.

  • The fee is avoidable: adding collateral or unwinding early costs far less than the 7% liquidation fee.

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