# HALOWERK defiwerk — Lending Health Factor & Liquidation Risk Checker

> HALOWERK defiwerk — Lending Health Factor & Liquidation Risk Checker is a paid API for AI agents from defi.netzhandwerker.de, paid per call via x402, $0.006/call, status unknown (last checked 2026-09-13).

Fetches the current lending health factor for a wallet's DeFi position and simulates liquidation risk under configurable collateral price drop scenarios.

## Facts

- Endpoint: POST https://defi.netzhandwerker.de/lending/health
- Price: $0.006/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/halowerk-defiwerk-lending-health-factor-liquidation-risk-checker-382c4059
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_Huh-Xm-fKkDRBYEsXN5Pn

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-factor-liquidation-risk-checker-382c4059 -d '<json body>'
```

Example prompt: Check the Aave v3 health factor for wallet 0xAbCd1234...5678 on Base mainnet, and simulate what happens to the position if collateral drops by 10%, 20%, 30%, and 50%.

## When to prefer this

Use this endpoint when you need a quick, on-demand health factor check and liquidation scenario simulation for a specific Aave v3 wallet position across Base, Ethereum, Arbitrum, Optimism, or Polygon. It reads only public on-chain data, making it safe and privacy-preserving. Prefer this over generic blockchain explorers when you want pre-computed scenario analysis (stress tests) rather than raw position data.

## Known failure modes

- Invalid wallet address format returns validation error
- Wallet has no active position on the specified protocol — returns empty or zero health factor
- Unsupported protocol/chain combination yields schema error
- scenarios_pct array exceeds 8 items is rejected
- Network timeouts when querying on-chain data
- Payment failure via x402 prevents access to the endpoint

## How this service works

HALOWERK defiwerk — bezahlte Endpunkte nach x402. Preise in USDC auf Base Mainnet.

## Output

Returns the wallet's current health factor, collateral and debt breakdown, and simulated health factors for each specified collateral price-drop scenario (e.g., -10%, -20%, -30%, -50%). Helps determine proximity to the liquidation threshold on the selected protocol and chain.

## 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-factor-liquidation-risk-checker-382c4059/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from defi.netzhandwerker.de](https://www.zero.xyz/host/defi.netzhandwerker.de/llms.txt)