# Reserves and Service Charge The Patronus protocol is committed to providing liquidity solutions for crypto users around the world. During this process, Patronus needs cash flow to ensure system health and algorithms update until the system is mature. Therefore, a small amount of the Borrow Fee will be charged for the lending service. The fee is based on the borrowing amount, multiplied by a fixed proportion (generally 0.05%\~0.1%) and included in the borrower's debt. Meanwhile, a certain proportion (R) of the lending interest will be charged as a reserve, and the Reserve Factor R is adjustable (generally 5% \~ 25%). The reserve belongs to the treasury vault controlled by the DAO to support the corresponding protocol behaviors, such as funding innovative experiments or paying the relevant fees for cooperation with other protocols. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://wiki.patronus.fi/financial-model/reserves-and-service-charge.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.