diff --git a/packages/inter-protocol/test/auction/sortedOffers.test.js b/packages/inter-protocol/test/auction/sortedOffers.test.js
index 260aac80850..7dc908b617e 100644
--- a/packages/inter-protocol/test/auction/sortedOffers.test.js
+++ b/packages/inter-protocol/test/auction/sortedOffers.test.js
@@ -4,8 +4,10 @@ import {
   ratiosSame,
   makeRatioFromAmounts,
   quantize,
+  subtractRatios,
 } from '@agoric/zoe/src/contractSupport/index.js';
 import { setup } from '@agoric/zoe/test/unitTests/setupBasicMints.js';
+import { AmountMath } from '@agoric/ertp';
 import {
   fromPriceOfferKey,
   toPriceOfferKey,
@@ -65,6 +67,10 @@ test('toKey discount', t => {
   t.true(keyD26 > keyD25);
 });
 
+const ratiosEqual = (t, left, right) => {
+  t.true(AmountMath.isEmpty(subtractRatios(left, right).numerator));
+};
+
 test('fromKey Price', t => {
   const { moola, moolaKit, simoleans, simoleanKit } = setup();
   const { brand: moolaBrand } = moolaKit;
@@ -81,12 +87,7 @@ test('fromKey Price', t => {
   t.true(
     ratiosSame(priceAOut, makeRatioFromAmounts(moola(40n * N), simoleans(N))),
   );
-  t.true(
-    ratiosSame(
-      priceBOut,
-      quantize(makeRatioFromAmounts(moola(40n), simoleans(1000n)), N),
-    ),
-  );
+  ratiosEqual(t, priceBOut, makeRatioFromAmounts(moola(40n), simoleans(1000n)));
   t.is(timeA, DEC25);
   t.is(timeB, DEC25);
 });
@@ -104,8 +105,9 @@ test('fromKey discount', t => {
 
   const [discountAOut, timeA] = fromScaledRateOfferKey(keyA25, moolaBrand, 9);
   const [discountBOut, timeB] = fromScaledRateOfferKey(keyB25, moolaBrand, 9);
-  t.deepEqual(quantize(discountAOut, 10000n), quantize(fivePercent, 10000n));
-  t.deepEqual(
+  ratiosEqual(t, discountAOut, fivePercent);
+  ratiosEqual(
+    t,
     quantize(discountBOut, 10000n),
     quantize(fivePointFivePercent, 10000n),
   );
diff --git a/packages/inter-protocol/test/vaultFactory/snapshots/vaultFactory.test.js.md b/packages/inter-protocol/test/vaultFactory/snapshots/vaultFactory.test.js.md
index f8f766c8bfa..d814867d411 100644
--- a/packages/inter-protocol/test/vaultFactory/snapshots/vaultFactory.test.js.md
+++ b/packages/inter-protocol/test/vaultFactory/snapshots/vaultFactory.test.js.md
@@ -72,11 +72,11 @@ Generated by [AVA](https://avajs.dev).
           compoundedInterest: {
             denominator: {
               brand: Object @Alleged: IST brand {},
-              value: 100000000000000000000n,
+              value: 857701650301172500n,
             },
             numerator: {
               brand: Object @Alleged: IST brand {},
-              value: 101967213114754098360n,
+              value: 874574469651359500n,
             },
           },
           interestRate: {
@@ -387,11 +387,11 @@ Generated by [AVA](https://avajs.dev).
             interest: {
               denominator: {
                 brand: Object @Alleged: IST brand {},
-                value: 100000000000000000000n,
+                value: 857701650301172500n,
               },
               numerator: {
                 brand: Object @Alleged: IST brand {},
-                value: 101967213114754098360n,
+                value: 874574469651359500n,
               },
             },
           },
@@ -413,11 +413,11 @@ Generated by [AVA](https://avajs.dev).
             interest: {
               denominator: {
                 brand: Object @Alleged: IST brand {},
-                value: 100000000000000000000n,
+                value: 857701650301172500n,
               },
               numerator: {
                 brand: Object @Alleged: IST brand {},
-                value: 101967213114754098360n,
+                value: 874574469651359500n,
               },
             },
           },
diff --git a/packages/inter-protocol/test/vaultFactory/snapshots/vaultFactory.test.js.snap b/packages/inter-protocol/test/vaultFactory/snapshots/vaultFactory.test.js.snap
index cd6de400d63..a5a84851905 100644
Binary files a/packages/inter-protocol/test/vaultFactory/snapshots/vaultFactory.test.js.snap and b/packages/inter-protocol/test/vaultFactory/snapshots/vaultFactory.test.js.snap differ
diff --git a/packages/zoe/src/contractSupport/ratio.js b/packages/zoe/src/contractSupport/ratio.js
index 46e0281c04d..72dd7b22498 100644
--- a/packages/zoe/src/contractSupport/ratio.js
+++ b/packages/zoe/src/contractSupport/ratio.js
@@ -343,7 +343,8 @@ export const ratiosSame = (left, right) => {
 };
 
 /**
- * Make an equivalant ratio with a new denominator
+ * Make a new ratio with a smaller denominator that approximates the ratio. If
+ * the proposed denominator is larger than the current one, return the original.
  *
  * @param {Ratio} ratio
  * @param {bigint} newDen
@@ -352,6 +353,10 @@ export const ratiosSame = (left, right) => {
 export const quantize = (ratio, newDen) => {
   const oldDen = ratio.denominator.value;
   const oldNum = ratio.numerator.value;
+  if (newDen > oldDen) {
+    return ratio;
+  }
+
   const newNum =
     newDen === oldDen ? oldNum : bankersDivide(oldNum * newDen, oldDen);
   return makeRatio(
diff --git a/packages/zoe/test/unitTests/contractSupport/ratio.test.js b/packages/zoe/test/unitTests/contractSupport/ratio.test.js
index 62b9ce9e56d..8a4632b5fc5 100644
--- a/packages/zoe/test/unitTests/contractSupport/ratio.test.js
+++ b/packages/zoe/test/unitTests/contractSupport/ratio.test.js
@@ -501,25 +501,25 @@ const { brand } = makeIssuerKit('moe');
 
 test('ratio - quantize', t => {
   /** @type {Array<[numBefore: bigint, denBefore: bigint, numAfter: bigint, denAfter: bigint]>} */
-  const cases = /** @type {const} */ [
+  const cases = [
     [1n, 1n, 1n, 1n],
     [10n, 10n, 10n, 10n],
     [2n * 10n ** 9n, 1n * 10n ** 9n, 20n, 10n],
 
-    [12345n, 12345n, 100n, 100n],
-    [12345n, 12345n, 100000n, 100000n],
-    [12345n, 12345n, 10n ** 15n, 10n ** 15n],
-
-    [12345n, 123n, 100365854n, 10n ** 6n],
-    [12345n, 123n, 10036585n, 10n ** 5n],
-    [12345n, 123n, 1003659n, 10n ** 4n],
-    [12345n, 123n, 100366n, 10n ** 3n],
     [12345n, 123n, 10037n, 10n ** 2n],
     [12345n, 123n, 1004n, 10n ** 1n],
     [12345n, 123n, 100n, 10n ** 0n],
+
+    [12345n, 12345n, 100n, 100n],
   ];
 
-  for (const [numBefore, denBefore, numAfter, denAfter] of cases) {
+  for (const [
+    numBefore,
+    denBefore,
+    numAfter,
+    target,
+    denAfter = target,
+  ] of cases) {
     const before = makeRatio(numBefore, brand, denBefore, brand);
     const after = makeRatio(numAfter, brand, denAfter, brand);
     t.deepEqual(
@@ -530,6 +530,27 @@ test('ratio - quantize', t => {
   }
 });
 
+test('ratio - quantize - leave it alone', t => {
+  const cases = [
+    [12345n, 123n, 10n ** 5n, 12345n, 123n],
+    [12345n, 123n, 10n ** 4n, 12345n, 123n],
+    [12345n, 123n, 10n ** 3n, 12345n, 123n],
+
+    [12345n, 12345n, 100_000n, 12345n, 12345n],
+    [12345n, 12345n, 10n ** 15n, 12345n, 12345n],
+  ];
+
+  for (const [numPre, denPre, qTarget, numAfter, denAfter] of cases) {
+    const before = makeRatio(numPre, brand, denPre, brand);
+    const after = makeRatio(numAfter, brand, denAfter, brand);
+    t.deepEqual(
+      quantize(before, qTarget),
+      after,
+      `${numPre}/${denPre} quantized to ${qTarget} should be ${numAfter}/${denAfter}`,
+    );
+  }
+});
+
 test('ratio - parse', t => {
   const { brand: moeBrand } = makeIssuerKit('moe');
   const { brand: larryBrand } = makeIssuerKit('larry');