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feat(contract): utilization-curve (jump-rate) interest model #2

Description

@thefifthdev

Problem

Interest is a flat APR; rates should respond to utilization.

Acceptance criteria

  • Base + slope below kink, steep slope above
  • Tests across utilization levels

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    Stellar WaveEligible for Stellar Wave / Drips contributor rewardsarea: contractSoroban contract

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