Bitcoin interest rates in decentralised markets are coming down. Rates on hodl hodl are sub 11% down from 16% and higher. Rates on KYC lending platforms like Lava are as low as 9% including setup fees.
Fiat interest rates are different across the world and 18 countries have interest rates that are higher than bitcoins. So if your in these countries your definitely going to want to keep you capital in bitcoin.
Venezuela: ~59.4%
Turkey: 37% - 50%
Argentina: 29% - 40%
Zimbabwe: ~35%
Russia: 15.5% - 19%
Brazil: ~15%
Ukraine: ~13%
Egypt: ~27.25%
Nigeria: ~16.5% - 18.75%
Angola: ~19.5%
Malawi: ~18% - 24%
Moldova: ~20%
Sierra Leone: ~17% - 22.25%
Kazakhstan: ~15.25% - 16.75%
Haiti: ~17%
Mozambique: ~17.25%
Sudan: ~28.3%
Congo (Dem. Rep.): ~25%
Rates are not the only factor. Bitcoin loans are cirtainly easier to get than traditional loan. Quick sign up easy flexible repayments etc. One major factor, the loan to value (LTV) ratio is even improving. With LTV in advanced economies on real-estates ranging from 95-70% whats available on bitcoin has increased from 50% to up to 70%. When you can get more or the same leverage on bitcoin as you can get on your house then the portability of bitcoin starts to seem very atte=ractive.
I suspect that when bitcoin reaches interest rate parity with the USA then we will hit escape velocity.
