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Ozmium Loan Portfolio Analysis
x402
Ozmium Loan Portfolio Analysis is a paid API for AI agents from ozmium.org, paid per call via x402, $0.01/call, status unknown (last checked 2026-09-14).
Returns a consolidated risk analysis of a wallet's Morpho lending positions — combining live borrows and vault deposits into a single verdict with key metrics and worst-case health factor.
Price / call$0.01
Success—
StatusUnknown
How this service works
What THIS wallet should do about its lending book — the lending equivalent of /v1/ideas, where /v1/loan/markets only describes the markets. GET /v1/loan/analysis/{address}. Joins live Morpho borrows and vault deposits, then states the risk plainly: suppliedUsd, debtUsd, netUsd, the WORST health factor across positions (the one that liquidates first), and a verdict. A null healthFactor means no debt on that market, not an unreadable one.
Output
Returns a JSON object with suppliedUsd (total USD value of vault deposits), debtUsd (total USD value of active borrows), netUsd (net position), worstHealthFactor (the lowest health factor across all Morpho positions — the one most at risk of liquidation; null if no debt), and a plain-language verdict summarizing overall risk status.
Example use cases
Pre-liquidation health check
“My wallet is 0xAbC123... — am I close to getting liquidated on any of my Morpho positions? Show me the worst health factor across all my borrows and a plain verdict.”
DeFi portfolio net-worth snapshot
“For address 0xDeF456..., tell me how much I have supplied and how much I owe across all Morpho markets on Base, so I can see my net lending position in dollars.”
Automated risk monitoring alert
“Every hour, check wallet 0x789Ghi... on Ozmium and alert me if the worst health factor across my Morpho loans drops below 1.2 — I want to know before I risk liquidation.”
Technical details
Endpoint
GEThttps://ozmium.org/v1/loan/analysis/:addressWhen to prefer
Use this endpoint when you need a single consolidated risk verdict for a wallet's entire Morpho lending book on Base, rather than raw market data. It is the right choice when you want to know *what to do* — e.g. whether to add collateral or repay — rather than just browsing available markets (use /v1/loan/markets for that). It is particularly suited for automated monitoring agents that need a clear liquidation-risk signal without having to join and compute across multiple position sources themselves.
Side effects
- Invalid or malformed wallet address returns an error
- Address with no Morpho positions may return zeros with a safe verdict
- Morpho RPC or subgraph downtime may cause stale or missing data
- Network congestion on Base may delay live borrow/deposit reads
- Insufficient USDC payment ($0.01) causes 402 rejection before analysis runs
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| output | object |
Tags
x402
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