Changes proposed should increase available liquidity of USDT and USDC in borrowing, so there is bigger buffer of available tokens to be unwrapped and allow the pool to grow during HOLLAR introduction.

#### USDT & USDC reserve changes
- optimal utilization 85% -> 65%
- base rate 0% -> 2%
- supply cap 2.2 mil -> 3.2 mil
- borrow cap 1.1 mil -> 1.6 mil

![](https://cdn.discordapp.com/attachments/133347756986073089/1370544915301400616/Screenshot_2025-05-07_at_23.47.59.png?ex=681fe2eb&is=681e916b&hm=8e154724aea8425c8e1d7adcf1f1969983db55e5ab1412a67e7eb603e4cad24a&)

#84 Prepare USDT & USDC borrowing pools for HOLLAR