# Realized APY: Base Yields, Quoted vs Realized

> Realized APY: Base Yields, Quoted vs Realized is a paid API for AI agents from intel.fintechhodl.com, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-30).

Returns realized vs quoted APY for Base DeFi vaults and lending markets, with a verdict (matches/overstated/understated) and risk score, so depositors can verify what they actually earned.

## Facts

- Endpoint: GET https://intel.fintechhodl.com/api/v1/yields?utm_source=zero.xyz
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-30
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/realized-apy-base-yields-quoted-vs-realized-308daacd
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_EhbYBCtpXUWKKwzTWHzGF

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 realized-apy-base-yields-quoted-vs-realized-308daacd
```

Example prompt: Show me the top 10 stablecoin yield opportunities on Base sorted by risk-adjusted score, and flag any where the quoted APY is higher than what depositors actually earned over the last 30 days.

## When to prefer this

Choose this endpoint when you need to verify whether a Base DeFi yield opportunity is actually paying its advertised rate, or when ranking opportunities by realized (on-chain) rather than quoted APY. It is uniquely suited for detecting overstated yields and for risk-adjusted yield discovery on Base. Prefer it over generic DeFi aggregators when you need the quoted-vs-realized verdict and risk scoring specific to Base.

## Known failure modes

- 404 returned for unknown or malformed paths before any payment
- 400 returned for invalid query parameters (e.g. out-of-range values, bad asset symbols) before any payment
- 503 returned while the underlying on-chain data is refreshing; retry after a short delay
- No results returned if filters are too restrictive (e.g. very low risk_max combined with high min_apy)

## How this service works

Realized APY for Base vaults and lending markets: the APY depositors actually earned over 7 and 30 days, read from on-chain share prices, next to the quoted APY, with a verdict (matches, overstated, understated) and a risk score. Useful for finding the best yields on Base and spotting advertised yields that are not being paid. Ids work with every other route. 404 for unknown paths and 400 for invalid arguments, before any payment; 503 while data refreshes; charged only for a 200.

## Output

A ranked list of Base DeFi yield opportunities, each with the quoted APY, realized 7-day and 30-day APY, a verdict on whether the quoted APY matches, overstates, or understates reality, a risk score (0-100), TVL, opportunity type, and a unique ID compatible with other routes on this API. Also includes an as_of timestamp and total match count.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "properties": {
      "sort": {
       "enum": [
        "risk_adjusted",
        "realized_apy",
        "quoted_apy",
        "sustainable_apy",
        "tvl"
       ],
       "type": "string",
       "description": "Order: risk_adjusted (default) ranks by opportunity score; realized_apy by the 30-day realized APY; sustainable_apy by the APY expected once incentives fade."
      },
      "type": {
       "enum": [
        "lending",
        "vault",
        "staking",
        "fixed_yield",
        "lp",
        "stable_lp",
        "concentrated",
        "rwa"
       ],
       "type": "string",
       "description": "Opportunity type."
      },
      "asset": {
       "type": "string",
       "pattern": "^[A-Za-z0-9._-]{1,20}$",
       "examples": [
        "USDC"
       ],
       "description": "Token symbol, e.g. USDC or WETH."
      },
      "limit": {
       "type": "integer",
       "maximum": 50,
       "minimum": 1,
       "description": "How many items (default 20)."
      },
      "min_apy": {
       "type": "number",
       "maximum": 100000,
       "minimum": 0,
       "description": "Minimum quoted APY, percent."
      },
      "risk_max": {
       "type": "number",
       "maximum": 100,
       "minimum": 0,
       "description": "Maximum risk score (0-100, lower is lower modelled risk)."
      },
      "stable_only": {
       "type": "boolean",
       "description": "Only stablecoin principal."
      },
      "realized_only": {
       "type": "boolean",
       "description": "Only opportunities with a realized on-chain APY."
      }
     },
     "additionalProperties": false
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object",
     "required": [
      "as_of",
      "model_version",
      "coverage",
      "items"
     ],
     "properties": {
      "as_of": {
       "type": "string",
       "description": "Hour the data describes (ISO 8601, UTC)."
      },
   
… (truncated)
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/realized-apy-base-yields-quoted-vs-realized-308daacd/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from intel.fintechhodl.com](https://www.zero.xyz/host/intel.fintechhodl.com/llms.txt)