{"uid":"cap_lyUcLNIZdfDM0REBAxzqn","slug":"samedaydesk-morpho-market-underwrite-bdc4356b","name":"SameDayDesk Morpho Market Underwrite","description":"Deterministic agent APIs for web and company intelligence, repository security, agent-work economics, machine-service discoverability, payment preflight and settlement proof, wallet context, and Morpho decision evidence. Pay per call through Base x402 or native MPP, with a Circle Gateway Nanopayments path for gasless batched USDC.","url":"https://agents.samedaydesk.com/defi/morpho-market-underwrite","method":"GET","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method"],"properties":{"type":{"type":"string","const":"http"},"method":{"enum":["GET"],"type":"string"},"queryParams":{"type":"object","required":["marketId"],"properties":{"marketId":{"type":"string","pattern":"^0x[0-9a-fA-F]{64}$","description":"Morpho market ID on Base mainnet."}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"example":{"type":"object","required":["ok","product","marketId","chain","market","borrowers","verification","decisionChecks","boundary"],"properties":{"ok":{"type":"boolean"},"chain":{"type":"object"},"market":{"type":"object"},"history":{"type":"object"},"product":{"type":"string","const":"morpho-market-underwrite"},"boundary":{"type":"string"},"marketId":{"type":"string"},"borrowers":{"type":"object"},"trailingApy":{"type":"object"},"verification":{"type":"object"},"decisionChecks":{"type":"array"},"preLiquidation":{"type":"object"}}}}}}},"responseSchema":{"type":"json","example":{"ok":true,"chain":{"id":8453,"name":"Base mainnet"},"market":{"state":{"utilizationPct":72,"liquidityAssetsUsd":500000},"listed":true},"product":"morpho-market-underwrite","boundary":"Read-only underwriting evidence; not an allocation instruction or execution authorization.","marketId":"0x...","borrowers":{"totalCount":24,"healthBands":{"below1_05":0},"concentration":{"top1BorrowPct":18,"top5BorrowPct":51}},"verification":{"directRpc":{"verdict":"stored_state_exact_match"},"restMatchesGraphql":true,"marketParamsHashMatches":true},"decisionChecks":[{"id":"market_params_integrity","status":"pass"}]}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.25","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":"$0.25/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.25","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.25","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_-B7I6P1V49JytBGEVyYKR","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.25","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Returns deterministic, cryptographically-verified underwriting evidence for a Morpho lending market on Base, including utilization, borrower health bands, concentration risk, and multi-source integrity checks.","exampleAgentPrompt":"Can you pull the underwriting evidence for Morpho market 0xabc...123 on Base — I want to see utilization, borrower health bands, concentration risk, and whether the on-chain state matches the subgraph before I consider allocating capital?","exampleUseCases":[{"title":"Pre-allocation DeFi risk check","prompt":"Before I deploy liquidity into this Morpho market (ID 0xdef...456), can you check the utilization rate, how many borrowers are below a health factor of 1.05, and whether the market params hash matches on-chain? I need to know it's safe."},{"title":"Borrower concentration audit","prompt":"I want to audit borrower concentration in Morpho market 0x789...abc on Base — specifically what percentage of debt is held by the top 1 and top 5 borrowers, and whether any borrowers are close to liquidation."},{"title":"Market integrity verification","prompt":"Can you verify that the stored on-chain state for Morpho market 0x111...222 on Base mainnet matches the GraphQL subgraph data, and confirm the market params integrity check passes?"}],"resultDescription":"A JSON object containing: market utilization percentage and liquidity in USD, whether the market is listed, total borrower count, borrower health bands (including count below 1.05 health factor), top-1 and top-5 borrower debt concentration percentages, multi-source verification verdicts (direct RPC vs GraphQL match, market params hash match), and a list of named decision checks each with pass/fail status. The boundary field clarifies this is read-only evidence, not an execution authorization.","failureModes":["Invalid or malformed market ID returns an error with no market data","Market not found on Base mainnet returns listed:false or 404","RPC and GraphQL mismatch causes verification verdict to flag inconsistency","Network timeout on Base RPC results in partial data or error","Unpaid or underpaid x402 request returns 402 Payment Required"],"whenToPreferThis":"Choose this endpoint when you need cryptographically-grounded, multi-source underwriting evidence for a specific Morpho market before making a lending or liquidity allocation decision. It is preferred over generic DeFi analytics because it cross-validates direct RPC state against GraphQL subgraph data and provides explicit borrower health band and concentration breakdowns. Use it when you need a machine-readable pass/fail decision checklist rather than raw on-chain data.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T06:51:20.151Z","isFirstParty":false}