diff --git a/components/token/RateCurveChart.tsx b/components/token/RateCurveChart.tsx
new file mode 100644
index 00000000..72ca7581
--- /dev/null
+++ b/components/token/RateCurveChart.tsx
@@ -0,0 +1,255 @@
+/* eslint-disable @typescript-eslint/no-explicit-any */
+import { Bank } from '@blockworks-foundation/mango-v4'
+import { INITIAL_ANIMATION_SETTINGS } from '@components/settings/AnimationSettings'
+import ContentBox from '@components/shared/ContentBox'
+import { FadeInFadeOut } from '@components/shared/Transitions'
+import useLocalStorageState from 'hooks/useLocalStorageState'
+import useThemeWrapper from 'hooks/useThemeWrapper'
+import { useMemo, useState } from 'react'
+import {
+  Area,
+  AreaChart,
+  Label,
+  ReferenceDot,
+  ResponsiveContainer,
+  Tooltip,
+  XAxis,
+  YAxis,
+} from 'recharts'
+import { COLORS } from 'styles/colors'
+import { ANIMATION_SETTINGS_KEY } from 'utils/constants'
+import FlipNumbers from 'react-flip-numbers'
+import { floorToDecimal, formatNumericValue } from 'utils/numbers'
+import FormatNumericValue from '@components/shared/FormatNumericValue'
+import { useTranslation } from 'react-i18next'
+import { NoSymbolIcon } from '@heroicons/react/20/solid'
+
+type RateCurveData = {
+  util: number
+  rate: number
+}
+
+const RateCurveChart = ({ bank }: { bank: Bank | undefined }) => {
+  const { t } = useTranslation(['common', 'token'])
+  const { theme } = useThemeWrapper()
+  const [animationSettings] = useLocalStorageState(
+    ANIMATION_SETTINGS_KEY,
+    INITIAL_ANIMATION_SETTINGS,
+  )
+  const [mouseData, setMouseData] = useState<RateCurveData | null>(null)
+
+  const handleMouseMove = (coords: any) => {
+    if (coords.activePayload) {
+      setMouseData(coords.activePayload[0].payload)
+    }
+  }
+
+  const handleMouseLeave = () => {
+    setMouseData(null)
+  }
+
+  const [currentRate, currentUtil] = useMemo(() => {
+    if (!bank) return [0, 0]
+    const currentRate = bank.getDepositRateUi()
+    const currentUtil = (bank.uiBorrows() / bank.uiDeposits()) * 100
+    return [currentRate, currentUtil]
+  }, [bank])
+
+  const rateCurveChartData = useMemo(() => {
+    if (!bank) return []
+    const defaults = [
+      { util: 0, rate: 0 },
+      {
+        util: bank.util0.toNumber() * 100,
+        rate: bank.rate0.toNumber() * 100,
+      },
+      {
+        util: bank.util1.toNumber() * 100,
+        rate: bank.rate1.toNumber() * 100,
+      },
+      { util: 100, rate: bank.maxRate.toNumber() * 100 },
+    ]
+    if (currentRate && currentUtil) {
+      defaults.push({ util: currentUtil, rate: currentRate })
+    }
+    return defaults.sort((a, b) => a.util - b.util)
+  }, [bank, currentRate, currentUtil])
+
+  return (
+    <FadeInFadeOut show={true}>
+      <ContentBox hideBorder hidePadding>
+        {rateCurveChartData.length && bank ? (
+          <>
+            <div>
+              <p className="mb-0.5 text-base">{t('token:rate-curve')}</p>
+              {mouseData ? (
+                <div>
+                  <div
+                    className={`flex h-8 items-end font-display text-2xl text-th-fgd-1`}
+                  >
+                    {animationSettings['number-scroll'] ? (
+                      <FlipNumbers
+                        height={24}
+                        width={17}
+                        play
+                        numbers={`${formatNumericValue(
+                          Math.abs(mouseData.rate),
+                          2,
+                        )}%`}
+                      />
+                    ) : (
+                      <span className="tabular-nums">
+                        <FormatNumericValue
+                          value={Math.abs(mouseData.rate)}
+                          decimals={2}
+                        />
+                        %
+                      </span>
+                    )}
+                  </div>
+                  <p className="text-xs text-th-fgd-4">
+                    {t('utilization')}:{' '}
+                    <span className="font-mono text-th-fgd-2">
+                      {floorToDecimal(mouseData.util, 2).toString()}%
+                    </span>
+                  </p>
+                </div>
+              ) : (
+                <div>
+                  <div className="flex h-8 items-end font-display text-2xl text-th-fgd-1">
+                    {animationSettings['number-scroll'] ? (
+                      <FlipNumbers
+                        height={24}
+                        width={17}
+                        play
+                        numbers={`${formatNumericValue(currentRate)}%`}
+                      />
+                    ) : (
+                      <span>
+                        <span className="tabular-nums">
+                          <FormatNumericValue
+                            value={currentRate}
+                            decimals={2}
+                          />
+                        </span>
+                        %
+                      </span>
+                    )}
+                  </div>
+                  <p className="text-xs text-th-fgd-4">
+                    {t('utilization')}:{' '}
+                    <span className="font-mono text-th-fgd-2">
+                      {floorToDecimal(currentUtil, 2).toString()}%
+                    </span>
+                  </p>
+                </div>
+              )}
+            </div>
+            <div className="-mx-6 mt-2 h-72">
+              <ResponsiveContainer width="100%" height="100%">
+                <AreaChart
+                  data={rateCurveChartData}
+                  onMouseMove={handleMouseMove}
+                  onMouseLeave={handleMouseLeave}
+                >
+                  <defs>
+                    <linearGradient
+                      id="gradientArea-rate-curve"
+                      x1="0"
+                      y1="0"
+                      x2="0"
+                      y2="1"
+                    >
+                      <stop
+                        offset="0%"
+                        stopColor={COLORS.UP[theme]}
+                        stopOpacity={0.15}
+                      />
+                      <stop
+                        offset="99%"
+                        stopColor={COLORS.UP[theme]}
+                        stopOpacity={0}
+                      />
+                    </linearGradient>
+                  </defs>
+                  <Area
+                    isAnimationActive={false}
+                    type="linear"
+                    dataKey="rate"
+                    stroke={COLORS.UP[theme]}
+                    strokeWidth={1.5}
+                    fill="url(#gradientArea-rate-curve)"
+                  />
+                  <XAxis
+                    axisLine={false}
+                    dataKey="util"
+                    minTickGap={20}
+                    padding={{ left: 20, right: 20 }}
+                    tick={{
+                      fill: 'var(--fgd-4)',
+                      fontSize: 10,
+                    }}
+                    tickLine={false}
+                    tickFormatter={(d) => `${floorToDecimal(d, 2).toString()}%`}
+                    type="number"
+                  />
+                  <YAxis
+                    axisLine={false}
+                    dataKey="rate"
+                    minTickGap={20}
+                    type="number"
+                    domain={['dataMin', 'dataMax']}
+                    padding={{ top: 20, bottom: 20 }}
+                    tick={{
+                      fill: 'var(--fgd-4)',
+                      fontSize: 10,
+                    }}
+                    tickFormatter={(v) => `${floorToDecimal(v, 2).toString()}%`}
+                    tickLine={false}
+                  />
+                  <ReferenceDot
+                    x={(
+                      (bank.uiBorrows() / bank.uiDeposits()) *
+                      100
+                    ).toString()}
+                    y={bank.getDepositRateUi()}
+                    r={4}
+                    fill={COLORS.BKG1[theme]}
+                    stroke={'var(--active)'}
+                    strokeWidth={2}
+                    isFront
+                  >
+                    <Label
+                      value="Current"
+                      offset={12}
+                      position="top"
+                      fill="var(--fgd-2)"
+                      fontSize={12}
+                    />
+                  </ReferenceDot>
+                  <Tooltip
+                    cursor={{
+                      strokeOpacity: 0.09,
+                    }}
+                    content={<></>}
+                  />
+                </AreaChart>
+              </ResponsiveContainer>
+            </div>
+          </>
+        ) : (
+          <div
+            className={`flex h-72 items-center justify-center p-4 text-th-fgd-3`}
+          >
+            <div className="">
+              <NoSymbolIcon className="mx-auto mb-1 h-6 w-6 text-th-fgd-4" />
+              <p className="text-th-fgd-4">{t('chart-unavailable')}</p>
+            </div>
+          </div>
+        )}
+      </ContentBox>
+    </FadeInFadeOut>
+  )
+}
+
+export default RateCurveChart
diff --git a/components/token/TokenPage.tsx b/components/token/TokenPage.tsx
index 417d0869..faddeb93 100644
--- a/components/token/TokenPage.tsx
+++ b/components/token/TokenPage.tsx
@@ -7,7 +7,6 @@ import FlipNumbers from 'react-flip-numbers'
 import { formatCurrencyValue } from 'utils/numbers'
 import Link from 'next/link'
 import SheenLoader from '@components/shared/SheenLoader'
-import Tooltip from '@components/shared/Tooltip'
 import useMangoGroup from 'hooks/useMangoGroup'
 import useJupiterMints from 'hooks/useJupiterMints'
 import useLocalStorageState from 'hooks/useLocalStorageState'
@@ -23,6 +22,7 @@ import TokenParams from './TokenParams'
 import { formatTokenSymbol } from 'utils/tokens'
 import TokenLogo from '@components/shared/TokenLogo'
 import { ArrowLeftIcon } from '@heroicons/react/20/solid'
+import RateCurveChart from './RateCurveChart'
 
 const DEFAULT_COINGECKO_VALUES = {
   ath: 0,
@@ -183,23 +183,8 @@ const TokenPage = () => {
             <ActionPanel bank={bank} />
           </div>
           <ChartTabs bank={bank} />
-          <div className="flex items-center justify-center border-y border-th-bkg-3 px-6 py-4 text-center">
-            <Tooltip
-              content={'The percentage of deposits that have been lent out.'}
-            >
-              <p className="tooltip-underline mr-1">{t('utilization')}:</p>
-            </Tooltip>
-            <span className="font-mono text-th-fgd-2 no-underline">
-              {bank.uiDeposits() > 0 ? (
-                <FormatNumericValue
-                  value={(bank.uiBorrows() / bank.uiDeposits()) * 100}
-                  decimals={1}
-                />
-              ) : (
-                '0.0'
-              )}
-              %
-            </span>
+          <div className="border-y border-th-bkg-3 px-6 pb-2 pt-6">
+            <RateCurveChart bank={bank} />
           </div>
           <TopTokenAccounts bank={bank} />
           {coingeckoTokenInfo?.market_data ? (
diff --git a/public/locales/en/token.json b/public/locales/en/token.json
index 2ca15fd3..37b15bae 100644
--- a/public/locales/en/token.json
+++ b/public/locales/en/token.json
@@ -30,6 +30,7 @@
     "oracle-confidence": "Oracle Confidence",
     "oracle-staleness": "Oracle Staleness",
     "parameters": "Parameters",
+    "rate-curve": "Interest Rate Curve",
     "token-stats": "{{token}} Stats",
     "token-fees-collected": "Token Fees Collected",
     "token-not-found": "Token Not Found",
diff --git a/public/locales/es/token.json b/public/locales/es/token.json
index 2ca15fd3..37b15bae 100644
--- a/public/locales/es/token.json
+++ b/public/locales/es/token.json
@@ -30,6 +30,7 @@
     "oracle-confidence": "Oracle Confidence",
     "oracle-staleness": "Oracle Staleness",
     "parameters": "Parameters",
+    "rate-curve": "Interest Rate Curve",
     "token-stats": "{{token}} Stats",
     "token-fees-collected": "Token Fees Collected",
     "token-not-found": "Token Not Found",
diff --git a/public/locales/ru/token.json b/public/locales/ru/token.json
index 2ca15fd3..37b15bae 100644
--- a/public/locales/ru/token.json
+++ b/public/locales/ru/token.json
@@ -30,6 +30,7 @@
     "oracle-confidence": "Oracle Confidence",
     "oracle-staleness": "Oracle Staleness",
     "parameters": "Parameters",
+    "rate-curve": "Interest Rate Curve",
     "token-stats": "{{token}} Stats",
     "token-fees-collected": "Token Fees Collected",
     "token-not-found": "Token Not Found",
diff --git a/public/locales/zh/token.json b/public/locales/zh/token.json
index 52be6b63..c78eaa99 100644
--- a/public/locales/zh/token.json
+++ b/public/locales/zh/token.json
@@ -30,6 +30,7 @@
     "oracle-confidence": "预言机可信度",
     "oracle-staleness": "预言机不新鲜性",
     "parameters": "参数",
+    "rate-curve": "Interest Rate Curve",
     "token-stats": "币种细节",
     "token-fees-collected": "收取的币种费用",
     "token-not-found": "查不到币种",
diff --git a/public/locales/zh_tw/token.json b/public/locales/zh_tw/token.json
index 583206c5..f4a7072b 100644
--- a/public/locales/zh_tw/token.json
+++ b/public/locales/zh_tw/token.json
@@ -30,6 +30,7 @@
     "oracle-confidence": "預言機可信度",
     "oracle-staleness": "預言機不新鮮性",
     "parameters": "參數",
+    "rate-curve": "Interest Rate Curve",
     "token-stats": "幣種細節",
     "token-fees-collected": "收取的幣種費用",
     "token-not-found": "查不到幣種",