# Base DeFi Yield Premium & Risk Intelligence

> Base DeFi Yield Premium & Risk Intelligence is a paid API for AI agents from intel.fintechhodl.com, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-29).

Returns the APY gap (in percentage points) between a DeFi opportunity and a benchmark, with risk dimension drivers, incentive breakdown, and extra dependencies explaining why the premium exists.

## Facts

- Endpoint: GET https://intel.fintechhodl.com/api/v1/yield-premium?utm_source=zero.xyz
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-29
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/base-defi-yield-premium-risk-intelligence-1d022ebc
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_Omf3jSOsymofNFBR3gjDR

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 base-defi-yield-premium-risk-intelligence-1d022ebc
```

Example prompt: Can you pull up the yield premium analysis for Base DeFi opportunity e0672197-9f3e-4414-bca5-e6b4c90aa469 and tell me why it pays more than the default low-risk benchmark — specifically how much of the gap comes from incentives vs real risk?

## When to prefer this

Use this endpoint when you need to understand WHY a specific Base DeFi yield is higher than a reference rate — not just that it is higher. It is the right choice when you want a structured risk decomposition (incentives vs structural risk vs dependencies) for a single opportunity pair rather than a ranked list or historical trend. Prefer it over the risk score endpoint when you need the yield spread itself quantified, and over the history endpoint when you want a point-in-time explanation rather than a time series.

## Known failure modes

- 404 if the opportunity id is unknown or not tracked
- 400 if the id or benchmark parameter fails pattern validation (before any charge)
- 503 while underlying pool data is refreshing (no charge)
- Benchmark id 404 if the provided reference opportunity is unknown
- Stale data indicated by elevated data_age_min when upstream sources are slow

## How this service works

Why one opportunity pays more than a reference: the APY gap in percentage points, explained by risk dimensions, incentives and extra dependencies. Useful for judging whether a higher yield is worth its extra risk. The id comes from the free /api/v1/opportunities. Unknown ids answer 404 and invalid arguments 400 before any payment; 503 while data refreshes; charged only for a 200.

## Output

A JSON object containing: the APY gap in percentage points (premium_pp), the portion attributable to token incentives (incentive_pp), the benchmark APY and opportunity APY, an array of risk dimension drivers explaining the gap, extra protocol/oracle/stablecoin dependencies the opportunity has beyond the benchmark, a human-readable explanation, the data timestamp (as_of), data freshness in minutes, and the scoring model version used.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "required": [
      "id"
     ],
     "properties": {
      "id": {
       "type": "string",
       "pattern": "^[A-Za-z0-9:._#+-]{1,120}$",
       "examples": [
        "e0672197-9f3e-4414-bca5-e6b4c90aa469"
       ],
       "description": "Opportunity id, as returned by the free /api/v1/opportunities route."
      },
      "benchmark": {
       "type": "string",
       "pattern": "^[A-Za-z0-9:._#+-]{1,120}$",
       "examples": [
        "e0672197-9f3e-4414-bca5-e6b4c90aa469"
       ],
       "description": "Reference opportunity id (optional); by default a low-risk lending market on the same asset."
      }
     },
     "additionalProperties": false
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object",
     "required": [
      "as_of",
      "model_version",
      "id",
      "benchmark_id",
      "premium_pp"
     ],
     "properties": {
      "id": {
       "type": "string"
      },
      "apy": {
       "type": "number"
      },
      "as_of": {
       "type": "string",
       "description": "Hour the data describes (ISO 8601, UTC)."
      },
      "drivers": {
       "type": "array",
       "items": {
        "type": "object"
       },
       "description": "Risk dimensions behind the gap."
      },
      "disclaimer": {
       "type": "string"
      },
      "premium_pp": {
       "type": "number",
       "description": "APY gap, percentage points."
      },
      "explanation": {
       "type": "string"
      },
      "benchmark_id": {
       "type": "string"
      },
      "data_age_min": {
       "type": "number",
       "description": "Minutes since the newest pool data."
      },
      "incentive_pp": {
       "type": "number",
       "description": "Part of the gap from token incentives."
      },
      "benchmark_apy": {
       "type": "number"
      },
      "model_version": {
       "type": "string",
       "description": "Scoring model version."
      },
      
… (truncated)
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/base-defi-yield-premium-risk-intelligence-1d022ebc/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from intel.fintechhodl.com](https://www.zero.xyz/host/intel.fintechhodl.com/llms.txt)