# FIL/FIT汇率机制

FIT 作为质押 FIL 的权益代币，其与 FIL 之间的汇率是波动的，主要有以下两种情况：

1. **当质押池的利用率小于或等于 90% 时**，FIL/FIT 的汇率为协议中的 FIL 总量与协议中铸造的 FIT 总数量之间的比例。在这种情况下，随着借款人的持续还款，FIT 的价值将增加，质押用户的资产也会持续增值。
2. **当质押池的利用率超过 90% 时**，由于资金利用率的增加，FIT 的价值将持续贬值，从而避免协议资金的流动性被耗尽。在这种情况下，赎回资金可能会带来一定的损失，但当资金的利用率恢复到正常水平时，汇率也会恢复正常。


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