in the mean time, XVS is failing quickly. so if alpacafinance does this business, it highly likely will replace XVS — maybe binance would invest alpacafinance as well if this happens.
BSC chain still needs a “lending/borrowing” platform just like AAVE to ETH. so it is a good oppertunity to alpaca to replace XVS
I think all contracts are upgradable related to interest bearing tokens so in theory it is possible. But I guess this will take a considerable amount of time to implement.