# SignalHarness DeFi Lending Health Factor

> SignalHarness DeFi Lending Health Factor is a paid API for AI agents from signalharness.ai, paid per call via x402, $0.01/call, status unknown (last checked 2026-09-13).

Analyzes caller-supplied DeFi lending position data and computes a health factor indicating liquidation risk

## Facts

- Endpoint: POST https://signalharness.ai/api/agent/services/defi_lending_health_factor/invoke
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/signalharness-defi-lending-health-factor-44479a7e
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_gth6kVyCD2leXIXdGkusd

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 signalharness-defi-lending-health-factor-44479a7e -d '<json body>'
```

Example prompt: Check the health factor of my DeFi lending position — I have 2 ETH collateral deposited on Aave with 800 USDC borrowed, and I want to know if I'm at risk of liquidation.

## When to prefer this

Use this endpoint when you need a quick, agent-native computation of a DeFi lending health factor from free-form position descriptions, especially in agentic workflows that require micropayment-based access via x402 on Base. Prefer this over manual on-chain reads when you want a structured risk assessment with warnings returned as part of an automated pipeline for $0.01 per call.

## Known failure modes

- Malformed or insufficient lending position data returns an error or low-confidence result
- Missing collateral or borrow amounts cause incomplete health factor computation
- Input string too short (under 2 chars) or too long (over 65536 chars) triggers validation rejection
- Ambiguous protocol data may produce warnings alongside the result
- Payment failure on x402 protocol blocks execution entirely

## How this service works

Explore 330 pay-per-call x402 API services and 27 agent-native digital products, with Base USDC pricing, secure Polar checkout, and free discovery.

## Output

Returns a JSON object containing the computed lending health factor value, any warnings about the position's risk level, the evidence scope indicating data was caller-supplied, a status field, and a full execution receipt with payment and request identifiers on Base network.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "lending_health_request": {
   "type": "string",
   "maxLength": 65536,
   "minLength": 2
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "replay": false,
  "result": {
   "warnings": [
    "Protocol rules, prices, and positions are caller supplied."
   ],
   "service_id": "defi_lending_health_factor",
   "evidence_scope": "caller_supplied_data",
   "lending_health_factor": "{\"adjusted_collateral_value\":\"160\",\"debt_value\":\"100\",\"health_factor\":\"1.6\",\"liquidatable_at_or_below_one\":false}"
  },
  "status": "succeeded",
  "receipt": {
   "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
   "usage": [],
   "status": "succeeded",
   "network": "eip155:8453",
   "artifacts": [],
   "endedAtMs": 0,
   "latencyMs": 0,
   "paymentId": "example-payment",
   "receiptId": "example-receipt",
   "requestId": "example-request",
   "serviceId": "defi_lending_health_factor",
   "executionId": "example-execution",
   "startedAtMs": 0,
   "amountAtomic": "10000",
   "resultSha256": "60a66a4f50448329e7dd6b4a9cecbf5b3be85d9131325877d83850c99a12b334",
   "serviceVersion": "1.0.0",
   "settlementReference": "0x0000000000000000000000000000000000000000000000000000000000000000"
  },
  "artifacts": [],
  "requestId": "example-request",
  "executionId": "example-execution"
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/signalharness-defi-lending-health-factor-44479a7e/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from signalharness.ai](https://www.zero.xyz/host/signalharness.ai/llms.txt)