Quite cool Aave v4 feature is risk premium:

You pay higher borrowing rate if your collateral is riskier (on top of base rate).

Safer collateral (wETH, USDC) = cheaper borrow.

Riskier collateral = you pay more.

In v3 all collateral had flat rate.

Basically, if Curve founder wanted to lend $CRV on Aave v4 to borrow stablecoins, he would pay much higher borrowing rate than if collateral was $ETH

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