# Whale Borrow Concentration

**Overview**

This indicator shows the historical concentration of loans in the Spark protocol. This is done by separating depositors in the following two categories:

* Whales: addresses with >1% share of borrows
* Investors: addresses with <1% share of borrows

**How can I use it?**

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Knowing the biggest borrowers of a protocol can help users make more informed decisions as a lender or borrower.

For example, if you are a lender, you may want to carefully evaluate the creditworthiness of the biggest borrowers before deciding whether to lend to them. On the other hand, if you are a borrower, knowing who the biggest borrowers are can help you gauge the level of competition for loan funds and adjust your borrowing strategy accordingly.

Overall, knowing the biggest borrowers from a lending protocol, and their share of all loans, can provide valuable information that can help you make more informed decisions and manage your financial risks more effectively.


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