A1. Interest for the first hour is generated immediately upon a successful loan/borrowing request. Subsequently, interest for one hour is charged at the beginning of every hour based on the outstanding principal (unpaid interest is not compounded).Formula: Interest = Borrowed Amount × Daily Interest Rate / 24.{platform} currently utilizes a floating interest rate mechanism, adjusting rates based on market supply and demand. The rate for each borrowing order is determined by the daily rate at the time of borrowing and remains fixed for one cycle (10 days). If a renewal (rollover) occurs, the rate will be adjusted according to the current floating daily rate at the time of renewal.