{"uid":"cap_rG5D-XcJIenBeZK5-dNak","slug":"ozmium-loan-portfolio-analysis-4a14ee5f","name":"Ozmium Loan Portfolio Analysis","description":"What THIS wallet should do about its lending book — the lending equivalent of /v1/ideas, where /v1/loan/markets only describes the markets. GET /v1/loan/analysis/{address}. Joins live Morpho borrows and vault deposits, then states the risk plainly: suppliedUsd, debtUsd, netUsd, the WORST health factor across positions (the one that liquidates first), and a verdict. A null healthFactor means no debt on that market, not an unreadable one.","url":"https://ozmium.org/v1/loan/analysis/:address","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","HEAD","DELETE"],"type":"string"},"queryParams":{"type":"object","properties":{}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"example":{"type":"object","properties":{"data":{"type":"object","properties":{"ok":{"type":"boolean"}}},"network":{"type":"string"}}}}}}},"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_96u83wUYOP5duyUK_8jXx","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 a consolidated risk analysis of a wallet's Morpho lending positions — combining live borrows and vault deposits into a single verdict with key metrics and worst-case health factor.","exampleAgentPrompt":"Check my lending risk on Ozmium for wallet 0xAbC123... — I want to see my total supplied, total debt, net position in USD, and whether my worst health factor puts me close to liquidation on any Morpho market.","exampleUseCases":[{"title":"Pre-liquidation health check","prompt":"My wallet is 0xAbC123... — am I close to getting liquidated on any of my Morpho positions? Show me the worst health factor across all my borrows and a plain verdict."},{"title":"DeFi portfolio net-worth snapshot","prompt":"For address 0xDeF456..., tell me how much I have supplied and how much I owe across all Morpho markets on Base, so I can see my net lending position in dollars."},{"title":"Automated risk monitoring alert","prompt":"Every hour, check wallet 0x789Ghi... on Ozmium and alert me if the worst health factor across my Morpho loans drops below 1.2 — I want to know before I risk liquidation."}],"resultDescription":"Returns a JSON object with suppliedUsd (total USD value of vault deposits), debtUsd (total USD value of active borrows), netUsd (net position), worstHealthFactor (the lowest health factor across all Morpho positions — the one most at risk of liquidation; null if no debt), and a plain-language verdict summarizing overall risk status.","failureModes":["Invalid or malformed wallet address returns an error","Address with no Morpho positions may return zeros with a safe verdict","Morpho RPC or subgraph downtime may cause stale or missing data","Network congestion on Base may delay live borrow/deposit reads","Insufficient USDC payment ($0.01) causes 402 rejection before analysis runs"],"whenToPreferThis":"Use this endpoint when you need a single consolidated risk verdict for a wallet's entire Morpho lending book on Base, rather than raw market data. It is the right choice when you want to know *what to do* — e.g. whether to add collateral or repay — rather than just browsing available markets (use /v1/loan/markets for that). It is particularly suited for automated monitoring agents that need a clear liquidation-risk signal without having to join and compute across multiple position sources themselves.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-14T18:52:29.661Z","isFirstParty":false}