Why two rates on the same asset differ

Which of these is not part of the package behind a supply rate?

• The collateral borrowers post and the oracle that prices it
• The market's rate curve
• The ticker symbol of the asset you supply

A gap of 3 points pays for a risk that would cost 30% if it happened. What yearly chance makes it break even?

• 10%
• 3%
• 30%