# DeFi Lending Markets Health & Solvency Intelligence

> DeFi Lending Markets Health & Solvency Intelligence is a paid API for AI agents from payai.agentstools.dev, paid per call via x402, $0.03/call, status unknown (last checked 2026-09-14).

Returns per-market utilization, liquidity, TVL, borrowed amounts, debt ceiling, and a 0-100 health score with verdict for DeFi lending protocols on Base chain.

## Facts

- Endpoint: GET https://payai.agentstools.dev/lending/markets
- Price: $0.03/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/defi-lending-markets-health-solvency-intelligence-89a6e986
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_tXrZxAgcPD4ngNIx8Pq84

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 defi-lending-markets-health-solvency-intelligence-89a6e986
```

Example prompt: What's the current health of the USDC lending market on Aave v3 on Base — give me the utilization rate, available liquidity, and whether it's in a healthy or tight-liquidity state?

## When to prefer this

Use this endpoint when you need a structured, scored, and verdicted health assessment of DeFi lending markets on Base — not just raw data. Ideal when you need to compare protocol solvency, assess borrowing risk, monitor liquidity tightness, or trigger alerts based on market health. Prefer over raw DefiLlama queries when you need the pre-computed 0-100 health score and trend without building your own analytics layer.

## Known failure modes

- Unsupported protocol slug returns validation error
- Chain parameter other than Base is rejected
- DefiLlama data unavailable causes degraded or stale results
- Asset symbol not found in any market returns empty results
- Missing required 'input' wrapper causes schema validation failure

## How this service works

DeFi lending protocol-health + solvency intelligence for a protocol or asset on Base: per-market utilization, available liquidity, TVL, total borrowed, debt ceiling and a deterministic 0-100 health score plus verdict (healthy / tight-liquidity / elevated), protocol aggregates, and a rate/TVL trend — computed by us over DefiLlama data.

## Output

Returns per-market data including utilization rate, available liquidity, TVL, total borrowed, debt ceiling, a deterministic 0-100 health score, a verdict (healthy / tight-liquidity / elevated), protocol-level aggregates, and a rate/TVL trend. All computed from DefiLlama data.

## 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",
      "HEAD",
      "DELETE"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "required": [],
     "properties": {
      "asset": {
       "type": "string",
       "description": "Token symbol to filter markets by, e.g. USDC / ETH"
      },
      "chain": {
       "enum": [
        "Base"
       ],
       "type": "string",
       "description": "Chain (default Base)"
      },
      "protocol": {
       "enum": [
        "aave-v3",
        "compound-v3",
        "morpho-blue",
        "euler-v2",
        "fluid-lending",
        "moonwell-lending",
        "spark",
        "extra-finance-xlend",
        "arcadia-v2",
        "folks-finance-xchain"
       ],
       "type": "string",
       "description": "Money-market protocol slug"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/defi-lending-markets-health-solvency-intelligence-89a6e986/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from payai.agentstools.dev](https://www.zero.xyz/host/payai.agentstools.dev/llms.txt)