# HALOWERK DeFiWerk Lending Health Check

> HALOWERK DeFiWerk Lending Health Check is a paid API for AI agents from defi.halowerk.com, paid per call via x402, $0.006/call, status unknown (last checked 2026-10-13).

Reads all Aave v3 reserve positions for a wallet on a given chain — collateral, debt, LTV, liquidation thresholds, borrow rates — using on-chain oracle prices, and simulates liquidation risk under user-specified price scenarios.

## Facts

- Endpoint: POST https://defi.halowerk.com/lending/health?utm_source=zero.xyz
- Price: $0.006/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/halowerk-defiwerk-lending-health-check-adeb0f88
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_yeFphIvSpx5EzIyq6Ev7a

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 halowerk-defiwerk-lending-health-check-adeb0f88 -d '<json body>'
```

Example prompt: Check my Aave v3 lending position on Base for wallet 0xAbC123...def456 — I want to see my health factor, collateral, debt, LTV and liquidation threshold, and also simulate what happens if my collateral drops 10%, 20%, 30%, and 50%.

## When to prefer this

Choose this endpoint when you need on-chain oracle-priced risk data for an Aave v3 position rather than exchange market prices — critical for accurate liquidation simulation since Aave liquidations follow oracle prices, not CEX prices. Prefer over generic portfolio trackers when you need the exact oracle source contract, full reserve-level detail, and multi-scenario stress testing in a single call. Best when monitoring a specific wallet's DeFi lending risk across Base, Ethereum, Arbitrum, Optimism, or Polygon.

## Known failure modes

- Invalid or checksummed wallet address returns a validation error
- Unsupported chain/protocol combination returns an enum error
- Wallet with no open Aave positions returns empty reserves array
- Oracle contract unreachable or stale price data may cause timeout or stale-data warning
- scenarios_pct values outside -99 to 100 range are rejected
- Network RPC congestion may cause slow or partial reads at high block load

## How this service works

Resolves pool, price oracle and data provider through the protocol address provider rather than hard-coded addresses, then reads every reserve the wallet touches: collateral amounts, variable and stable debt, LTV, liquidation threshold, liquidation bonus and the borrow rate, all at one block. Values are computed with the price the protocol oracle reports, not with a market price from an exchange — a liquidation follows the oracle, and the oracle source contract per asset is named in the answer s

## Output

Returns a structured breakdown of every reserve the wallet has open on the specified Aave v3 deployment: collateral amounts in both token and USD terms using the protocol oracle price, variable and stable debt positions, LTV ratio, liquidation threshold, liquidation bonus, current borrow rates, the oracle contract address per asset, and projected health factors under each specified price scenario.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "chain": {
   "enum": [
    "base",
    "ethereum",
    "arbitrum",
    "optimism",
    "polygon"
   ],
   "type": "string"
  },
  "wallet": {
   "type": "string",
   "pattern": "^0x[a-fA-F0-9]{40}$",
   "description": "Address whose position is read. Public on-chain data only."
  },
  "protocol": {
   "enum": [
    "aave-v3"
   ],
   "type": "string"
  },
  "scenarios_pct": {
   "type": "array",
   "items": {
    "type": "number",
    "maximum": 100,
    "minimum": -99
   },
   "maxItems": 8,
   "description": "Price moves of the collateral in percent. Default -10, -20, -30, -50."
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/halowerk-defiwerk-lending-health-check-adeb0f88/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from defi.halowerk.com](https://www.zero.xyz/host/defi.halowerk.com/llms.txt)