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Memo 0x54757d7f…77317b on Ethereum

# Update Penalty Rate to 0.01% [1 bp] The MAP (Monetary Adaptation and Policy) committee is proposing to lower the Penalty Rate from 5 bps to 1 bp. The Penalty Rate is the charge applied when a Minter fails to meet required operational obligations, such as timely collateral updates or exceeding permitted debt. Lowering it to 0.01% maintains an effective deterrent against non-compliance while balancing for proportionate impact in light of the significant increase in total value of the M0 network. ---