# Ozmium Loan Portfolio Analysis

> 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.

## Facts

- Endpoint: GET https://ozmium.org/v1/loan/analysis/:address
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/ozmium-loan-portfolio-analysis-4a14ee5f
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_rG5D-XcJIenBeZK5-dNak

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 ozmium-loan-portfolio-analysis-4a14ee5f
```

Example prompt: Check my lending risk on Ozmium for wallet 0xAbC123... — I want to see my total supplied, total debt, net position in USD, and whether my worst health factor puts me close to liquidation on any Morpho market.

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## 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",
     "properties": {}
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object",
     "properties": {
      "data": {
       "type": "object",
       "properties": {
        "ok": {
         "type": "boolean"
        }
       }
      },
      "network": {
       "type": "string"
      }
     }
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/ozmium-loan-portfolio-analysis-4a14ee5f/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from ozmium.org](https://www.zero.xyz/host/ozmium.org/llms.txt)