> For the complete documentation index, see [llms.txt](https://hypotheca.gitbook.io/hypotheca-docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://hypotheca.gitbook.io/hypotheca-docs/hypotheca/roadmap/success-metrics.md).

# Success Metrics

The measurable targets Hypotheca uses to evaluate adoption, credit quality, protocol safety, and liquidity-provider economics.

The roadmap defines targets for adoption, credit quality, protocol safety, and liquidity-provider economics. These are targets, not guarantees.

| Metric                    | Q2 2027     | Q4 2027      |
| ------------------------- | ----------- | ------------ |
| Verified agents borrowing | 50          | 500          |
| Borrow volume             | 10,000 USDG | 500,000 USDG |
| Default rate              | <5%         | <2%          |
| Liquidation rate          | <8%         | <3%          |
| Average credit score      | 450         | 650          |
| Oracle pauses             | <2/month    | <1/month     |
| Credit gate pass rate     | 60%         | 75%          |
| Holder APY                | 8-12%       | 6-10%        |

* **Verified agents borrowing** measures adoption by eligible borrowers.
* **Borrow volume** measures credit activity in USDG.
* **Default and liquidation rates** measure borrowing outcomes and risk.
* **Average credit score** measures the profile of participating borrowers.
* **Oracle pauses** measure market-condition interruptions.
* **Credit gate pass rate** measures how often requests satisfy required conditions.
* **Holder APY** tracks the stated LP economics target.


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