# Arkham x402 — Entity Loan/DeFi Balances

> Arkham x402 — Entity Loan/DeFi Balances is a paid API for AI agents from api.arkm.com, paid per call via x402, $0.6/call, status unknown (last checked 2026-09-14).

Returns DeFi lending and borrowing positions (loans, supplied assets) for a named on-chain entity across multiple chains, via Arkham's wallet intelligence platform.

## Facts

- Endpoint: POST https://api.arkm.com/x402/loans/entity
- Price: $0.6/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/arkham-x402-entity-loan-defi-balances-04be09c6
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_P3yWUTtnlL9WgM7elsDd6

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-x402-entity-loan-defi-balances-04be09c6 -d '<json body>'
```

Example prompt: Using Arkham's wallet intelligence, look up the current DeFi loan and supplied asset positions for the entity 'binance' — I want to see their AAVE balances broken down by chain with USD values.

## When to prefer this

Choose this endpoint when you need structured, entity-labeled DeFi lending and borrowing positions for a known on-chain actor (exchange, fund, whale, protocol) across multiple chains — particularly when Arkham's entity attribution (mapping addresses to named entities like 'Binance') is the key value-add over raw on-chain queries. Prefer this over generic blockchain explorers when you need aggregated multi-chain DeFi exposure in USD, already attributed to a named institutional or notable entity.

## Known failure modes

- Unknown or unrecognized entity name returns empty balances or 404
- Entity exists but has no active DeFi positions — empty balances array returned
- Insufficient USDC balance for x402 payment causes payment failure before request is served
- Malformed entity ID in request body results in 400 bad request
- Chain-specific data may be delayed or unavailable during indexing lag
- Rate limiting if too many concurrent requests are made

## How this service works

Get Arkham loan and borrow positions for an entity. $0.60 per call.

## Output

Returns a JSON object with per-chain DeFi balances (supplied assets, loan positions), including token ID, symbol, USD value, protocol name (e.g. AAVE_V3), market contract address, balance amount, price, 24h ago price, quote timestamp, and entity metadata such as name, type, website, and social links.

## 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…"
  },
  "entity": {
   "anyOf": [
    {
     "type": "string"
    },
    {
     "type": "number"
    },
    {
     "type": "boolean"
    },
    {
     "type": "array",
     "items": {
      "anyOf": [
       {
        "type": "string"
       },
       {
        "type": "number"
       },
       {
        "type": "boolean"
       }
      ]
     }
    }
   ],
   "description": "The entity ID to query loan positions for. Accepts both Arkham entity IDs and user entity IDs."
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "balances": {
   "ethereum": [
    {
     "id": "usd-coin",
     "usd": 10875.867582,
     "name": "Aave Ethereum USDC",
     "type": "supplied",
     "price": 1,
     "market": "0x98C23E9d8f34FEFb1B7BD6a91B7FF122F4e16F5c",
     "symbol": "aEthUSDC",
     "address": "0x98C23E9d8f34FEFb1B7BD6a91B7FF122F4e16F5c",
     "balance": 10875.867582,
     "protocol": "AAVE_V3",
     "quoteTime": "2026-07-07T14:55:39.964Z",
     "price24hAgo": 1,
     "underlyingAssetID": "usd-coin",
     "underlyingAssetAddress": "0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48"
    },
    {
     "id": "tether",
     "usd": 5673.819058,
     "name": "Aave Ethereum USDT",
     "type": "supplied",
     "price": 1,
     "market": "0x23878914EFE38d27C4D67Ab83ed1b93A74D4086a",
     "symbol": "aEthUSDT",
     "address": "0x23878914EFE38d27C4D67Ab83ed1b93A74D4086a",
     "balance": 5673.819058,
     "protocol": "AAVE_V3",
     "quoteTime": "2026-07-07T14:55:32.963Z",
     "price24hAgo": 1,
     "underlyingAssetID": "tether",
     "underlyingAssetAddress": "0xdAC17F958D2ee523a2206206994597C13D831ec7"
    }
   ],
   "arbitrum_one": [
    {
     "id": "usdt0",
     "usd": 1676.612954,
     "name": "Aave Arbitrum USDT",
     "type": "supplied",
     "price": 1,
     "market": "0x6ab707Aca953eDAeFBc4fD23bA73294241490620",
     "symbol": "aArbUSDT",
     "address": "0x6ab707Aca953eDAeFBc4fD23bA73294241490620",
     "balance": 1676.612954,
     "protocol": "AAVE_V3",
     "quoteTime": "2026-07-07T14:55:44.119Z",
     "price24hAgo": 1,
     "underlyingAssetID": "usdt0",
     "underlyingAssetAddress": "0xFd086bC7CD5C481DCC9C85ebE478A1C0b69FCbb9"
    },
    {
     "id": "usd-coin",
     "usd": 29.871206,
     "name": "Aave Arbitrum USDCn",
     "type": "supplied",
     "price": 1,
     "market": "0x724dc807b04555b71ed48a6896b6F41593b8C637",
     "symbol": "aArbUSDCn",
     "address": "0x724dc807b04555b71ed48a6896b6F41593b8C637",
     "balance": 29.871206,
     "protocol": "AAVE_V3",
     "quoteTime": "2026-07-07T14:55:39.964Z",
     "price24hAgo": 1,
     "underlyingAssetID": "usd-coin",
     "underlyingAssetAddress": "0xaf88d065e77c8cC2239327C5EDb3A432268e5831"
    }
   ]
  },
  "entities": {
   "binance": {
    "id": "binance",
    "name": "Binance",
    "note": "",
    "type": "cex",
    "service": null,
    "twitter": "https://twitter.com/binance",
    "website": "https://binance.com",
    "linkedin": "https://www.linkedin.com/company/binance",
    "crunchbase": "ht
… (truncated)
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/arkham-x402-entity-loan-defi-balances-04be09c6/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)