Mango Program Improvement Proposals

v3.2

implement change rate params so optimal utilization can be moved to 80%
use impact bid/ask for calculation of funding
replace all account initiation with PDAs
- InitMangoAccount
- AddPerpMarket
- InitSpotOpenOrders
- AddSpotMarket
auto migrate to v3 from v2
close MangoAccount and OpenOrders accounts to recoup funds
flash loans to reduce fees on serum dex