# SameDayDesk Morpho Market Underwrite

> SameDayDesk Morpho Market Underwrite is a paid API for AI agents from agents.samedaydesk.com, paid per call via x402, $0.25/call, status unknown (last checked 2026-09-15).

Returns deterministic, cryptographically-verified underwriting evidence for a Morpho lending market on Base, including utilization, borrower health bands, concentration risk, and multi-source integrity checks.

## Facts

- Endpoint: GET https://agents.samedaydesk.com/defi/morpho-market-underwrite
- Price: $0.25/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/samedaydesk-morpho-market-underwrite-bdc4356b
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_lyUcLNIZdfDM0REBAxzqn

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 samedaydesk-morpho-market-underwrite-bdc4356b
```

Example prompt: Can you pull the underwriting evidence for Morpho market 0xabc...123 on Base — I want to see utilization, borrower health bands, concentration risk, and whether the on-chain state matches the subgraph before I consider allocating capital?

## When to prefer this

Choose this endpoint when you need cryptographically-grounded, multi-source underwriting evidence for a specific Morpho market before making a lending or liquidity allocation decision. It is preferred over generic DeFi analytics because it cross-validates direct RPC state against GraphQL subgraph data and provides explicit borrower health band and concentration breakdowns. Use it when you need a machine-readable pass/fail decision checklist rather than raw on-chain data.

## Known failure modes

- Invalid or malformed market ID returns an error with no market data
- Market not found on Base mainnet returns listed:false or 404
- RPC and GraphQL mismatch causes verification verdict to flag inconsistency
- Network timeout on Base RPC results in partial data or error
- Unpaid or underpaid x402 request returns 402 Payment Required

## How this service works

Deterministic agent APIs for web and company intelligence, repository security, agent-work economics, machine-service discoverability, payment preflight and settlement proof, wallet context, and Morpho decision evidence. Pay per call through Base x402 or native MPP, with a Circle Gateway Nanopayments path for gasless batched USDC.

## Output

A JSON object containing: market utilization percentage and liquidity in USD, whether the market is listed, total borrower count, borrower health bands (including count below 1.05 health factor), top-1 and top-5 borrower debt concentration percentages, multi-source verification verdicts (direct RPC vs GraphQL match, market params hash match), and a list of named decision checks each with pass/fail status. The boundary field clarifies this is read-only evidence, not an execution authorization.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "required": [
      "marketId"
     ],
     "properties": {
      "marketId": {
       "type": "string",
       "pattern": "^0x[0-9a-fA-F]{64}$",
       "description": "Morpho market ID on Base mainnet."
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object",
     "required": [
      "ok",
      "product",
      "marketId",
      "chain",
      "market",
      "borrowers",
      "verification",
      "decisionChecks",
      "boundary"
     ],
     "properties": {
      "ok": {
       "type": "boolean"
      },
      "chain": {
       "type": "object"
      },
      "market": {
       "type": "object"
      },
      "history": {
       "type": "object"
      },
      "product": {
       "type": "string",
       "const": "morpho-market-underwrite"
      },
      "boundary": {
       "type": "string"
      },
      "marketId": {
       "type": "string"
      },
      "borrowers": {
       "type": "object"
      },
      "trailingApy": {
       "type": "object"
      },
      "verification": {
       "type": "object"
      },
      "decisionChecks": {
       "type": "array"
      },
      "preLiquidation": {
       "type": "object"
      }
     }
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "ok": true,
  "chain": {
   "id": 8453,
   "name": "Base mainnet"
  },
  "market": {
   "state": {
    "utilizationPct": 72,
    "liquidityAssetsUsd": 500000
   },
   "listed": true
  },
  "product": "morpho-market-underwrite",
  "boundary": "Read-only underwriting evidence; not an allocation instruction or execution authorization.",
  "marketId": "0x...",
  "borrowers": {
   "totalCount": 24,
   "healthBands": {
    "below1_05": 0
   },
   "concentration": {
    "top1BorrowPct": 18,
    "top5BorrowPct": 51
   }
  },
  "verification": {
   "directRpc": {
    "verdict": "stored_state_exact_match"
   },
   "restMatchesGraphql": true,
   "marketParamsHashMatches": true
  },
  "decisionChecks": [
   {
    "id": "market_params_integrity",
    "status": "pass"
   }
  ]
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/samedaydesk-morpho-market-underwrite-bdc4356b/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from agents.samedaydesk.com](https://www.zero.xyz/host/agents.samedaydesk.com/llms.txt)