# Aave v3 Base Lending Health Factor

> Aave v3 Base Lending Health Factor is a paid API for AI agents from auditor-x402.onrender.com, paid per call via x402, $0.005/call, status unknown (last checked 2026-10-19).

Returns total collateral, total debt, health factor, and liquidation risk band for any wallet's Aave v3 position on Base mainnet.

## Facts

- Endpoint: POST https://auditor-x402.onrender.com/api/lending-health-factor?utm_source=zero.xyz
- Price: $0.005/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-19
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/aave-v3-base-lending-health-factor-3def617e
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_ncGwBmvWzpW-BZYCPrsJI

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability aave-v3-base-lending-health-factor-3def617e -d '<json body>'
```

Example prompt: Can you check the Aave v3 lending health for wallet 0x4a7B...3c9d on Base — I want to know the health factor, total collateral, total debt, and whether it's in a LIQUIDATABLE, AT_RISK, or HEALTHY risk band?

## When to prefer this

Use this endpoint when you need on-chain Aave v3 lending health data specifically on Base mainnet, including a pre-computed risk band classification. Prefer this over raw RPC calls when you want a clean, structured health factor with risk categorization without writing smart contract query logic yourself.

## Known failure modes

- Invalid or malformed wallet address returns an error
- Wallet with no Aave v3 position on Base returns NO_DEBT band with zeroed values
- Network congestion on Base may cause read timeouts
- Non-checksummed address formats may fail validation
- Payment failure (x402) if USDC balance is insufficient

## How this service works

Aave v3 on Base: total collateral, debt, health factor and risk band (LIQUIDATABLE / AT_RISK / WATCH / HEALTHY / NO_DEBT) for any wallet.

## Output

Returns a structured response including the wallet's total collateral in USD, total debt in USD, the Aave v3 health factor (a numeric ratio where <1 means liquidatable), and a human-readable risk band: LIQUIDATABLE, AT_RISK, WATCH, HEALTHY, or NO_DEBT.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "userAddress": {
   "type": "string",
   "description": "Wallet address (0x...) to inspect"
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/aave-v3-base-lending-health-factor-3def617e/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from auditor-x402.onrender.com](https://www.zero.xyz/host/auditor-x402.onrender.com/llms.txt)