{"uid":"cap_iqs6lSPC2pEUU6RYLsP4h","slug":"onchain-health-factor-defi-lending-position-monitor-7a63fae1","name":"Onchain Health Factor — DeFi Lending Position Monitor","description":"DeFi lending position health for an EVM address across Ethereum, Base, Arbitrum, Optimism and Polygon: Aave v3 and Spark collateral, debt, available borrow, liquidation threshold and health factor with a risk label, plus Compound v3 borrow, supply and liquidatable flag. Live on-chain reads via Multicall3. Free sample: https://onchain-health.mick8511.workers.dev/sample","url":"https://onchain-health.mick8511.workers.dev/health-factor?utm_source=zero.xyz","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"chains":{"type":"string","description":"Comma list: ethereum,base,arbitrum,optimism,polygon (default all)"},"address":{"type":"string","pattern":"^0x[0-9a-fA-F]{40}$","description":"EVM wallet address"}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.01","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.01/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_Lzvxhu4nhy-yeipBRLOS-","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.01","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Returns live DeFi lending health metrics (collateral, debt, available borrow, liquidation threshold, health factor, and liquidation risk) for an EVM address across Aave v3, Spark, and Compound v3 on multiple chains","exampleAgentPrompt":"Can you check the Aave and Compound lending health for wallet 0xAbCd...1234 across Ethereum, Base, and Arbitrum — I want to know the health factor, how close it is to liquidation, and how much borrowing capacity is left?","exampleUseCases":[{"title":"Pre-liquidation risk alert for DeFi wallet","prompt":"My wallet 0x1234...abcd has open Aave positions — can you check all chains and tell me if my health factor is dangerously low and whether I'm at risk of being liquidated?"},{"title":"Multi-chain borrow capacity check","prompt":"I want to know how much more I can borrow across Ethereum and Base for wallet 0xDeAd...BeEf — check Aave v3 and Compound v3 and show me available borrow and current debt."},{"title":"Portfolio health snapshot for DeFi tracker","prompt":"Pull the full lending health summary for 0xFeed...Face on all supported chains — I need collateral, debt, liquidation threshold, health factor, and the risk label for a dashboard I'm building."}],"resultDescription":"A structured response per chain and protocol (Aave v3, Spark, Compound v3) containing: collateral value in USD, total debt, available borrow, liquidation threshold, numerical health factor, a human-readable risk label (e.g. 'safe', 'warning', 'critical'), and for Compound v3 a liquidatable boolean flag. Data is read live from on-chain via Multicall3 so values reflect the current block state.","failureModes":["Invalid or malformed EVM address returns a 400 validation error","Address with no DeFi positions returns empty or zero-value protocol entries","Unsupported chain name in the chains parameter causes a parse or 400 error","RPC / Multicall3 node failure may cause a 500 or partial data response","Rate limiting or payment failure (x402) results in a 402 Payment Required response"],"whenToPreferThis":"Choose this endpoint when you need live, multi-protocol DeFi lending health data for an EVM address across multiple chains in a single call. It is purpose-built for Aave v3, Spark, and Compound v3 health monitoring with structured risk labels and liquidation flags, making it superior to generic balance APIs for DeFi risk assessment or liquidation monitoring workflows.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-31T18:30:05.248Z","isFirstParty":false,"canonicalSlug":"onchain-health-factor-defi-lending-position-monitor-7a63fae1"}