# Arkham Loans by Address

> Arkham Loans by Address is a paid API for AI agents from api.arkm.com, paid per call via x402, $0.2/call, status unknown (last checked 2026-09-14).

Returns DeFi loan/borrow positions for a given wallet address across multiple chains, including borrowed balances, protocols, and USD values.

## Facts

- Endpoint: POST https://api.arkm.com/x402/loans/address
- Price: $0.2/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/arkham-loans-by-address-42736bf9
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_nmtDYGf1uZzIPl4tmlcDH

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 arkham-loans-by-address-42736bf9 -d '<json body>'
```

Example prompt: Pull all active DeFi loan and borrow positions for the wallet 0xaD1fB851e54C55D65D8CEfE65f9E4c64A83650fd across Ethereum and Arbitrum — I want to see the borrowed amounts, protocols like Compound V3, and total USD values per chain.

## When to prefer this

Use this endpoint when you need detailed, multi-chain DeFi borrow/loan position data for a specific wallet address, especially with Arkham's proprietary address labeling. Prefer this over generic on-chain RPCs when you need pre-aggregated protocol-level loan data with USD valuations and want coverage across Ethereum and Arbitrum in a single call.

## Known failure modes

- Invalid or malformed wallet address returns an error
- Address with no loan positions returns empty balance arrays
- Unsupported chain in request may return no data for that chain
- Rate limiting or payment failure (x402) results in 402 Payment Required
- Network timeout if on-chain data is slow to resolve

## How this service works

Get Arkham loan and borrow positions for an address. $0.20 per call.

## Output

Returns a JSON object containing borrowed token balances organized by chain (e.g. ethereum, arbitrum_one), each entry including token id, name, symbol, USD value, exact balance, protocol name (e.g. COMPOUND_V3), market contract address, quote timestamp, and 24h-ago price. Also includes address metadata with Arkham labels and per-chain total position values in USD.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "chains": {
   "anyOf": [
    {
     "type": "string"
    },
    {
     "type": "number"
    },
    {
     "type": "boolean"
    },
    {
     "type": "array",
     "items": {
      "anyOf": [
       {
        "type": "string"
       },
       {
        "type": "number"
       },
       {
        "type": "boolean"
       }
      ]
     }
    }
   ],
   "description": "Chains to filter by, as a single comma-separated value (e.g. 'ethereum,arbitrum_one'). If omitted, returns loan positio…"
  },
  "address": {
   "anyOf": [
    {
     "type": "string"
    },
    {
     "type": "number"
    },
    {
     "type": "boolean"
    },
    {
     "type": "array",
     "items": {
      "anyOf": [
       {
        "type": "string"
       },
       {
        "type": "number"
       },
       {
        "type": "boolean"
       }
      ]
     }
    }
   ],
   "description": "The blockchain address to query loan positions for."
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "balances": {
   "ethereum": [
    {
     "id": "usd-coin",
     "usd": 213778.237113,
     "name": "USD Coin",
     "type": "borrowed",
     "price": 1,
     "market": "0xc3d688B66703497DAA19211EEdff47f25384cdc3",
     "symbol": "USDC",
     "address": "0xc3d688B66703497DAA19211EEdff47f25384cdc3",
     "balance": 213778.237113,
     "protocol": "COMPOUND_V3",
     "quoteTime": "2026-07-07T15:34:50.955Z",
     "price24hAgo": 1,
     "balanceExact": "213778237113",
     "underlyingAssetID": "usd-coin",
     "underlyingAssetAddress": "0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48"
    }
   ],
   "arbitrum_one": [
    {
     "id": "usd-coin",
     "usd": 23792.73678,
     "name": "USD Coin",
     "type": "borrowed",
     "price": 1,
     "market": "0x9c4ec768c28520B50860ea7a15bd7213a9fF58bf",
     "symbol": "USDC",
     "address": "0x9c4ec768c28520B50860ea7a15bd7213a9fF58bf",
     "balance": 23792.73678,
     "protocol": "COMPOUND_V3",
     "quoteTime": "2026-07-07T15:34:50.955Z",
     "price24hAgo": 1,
     "balanceExact": "23792736780",
     "underlyingAssetID": "usd-coin",
     "underlyingAssetAddress": "0xaf88d065e77c8cC2239327C5EDb3A432268e5831"
    }
   ]
  },
  "addresses": {
   "ethereum": {
    "0xaD1fB851e54C55D65D8CEfE65f9E4c64A83650fd": {
     "chain": "ethereum",
     "address": "0xaD1fB851e54C55D65D8CEfE65f9E4c64A83650fd",
     "contract": false,
     "arkhamLabel": {
      "name": "etherean.eth",
      "address": "0xaD1fB851e54C55D65D8CEfE65f9E4c64A83650fd",
      "chainType": "evm"
     },
     "isUserAddress": false
    }
   },
   "arbitrum_one": {
    "0xaD1fB851e54C55D65D8CEfE65f9E4c64A83650fd": {
     "chain": "arbitrum_one",
     "address": "0xaD1fB851e54C55D65D8CEfE65f9E4c64A83650fd",
     "contract": false,
     "arkhamLabel": {
      "name": "etherean.eth",
      "address": "0xaD1fB851e54C55D65D8CEfE65f9E4c64A83650fd",
      "chainType": "evm"
     },
     "isUserAddress": false
    }
   }
  },
  "totalPositions": {
   "ethereum": 359915.8033752398,
   "arbitrum_one": 48146.42974611472
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/arkham-loans-by-address-42736bf9/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.arkm.com](https://www.zero.xyz/host/api.arkm.com/llms.txt)