# TruthBear DeFi Lending Protocol Risk Chain

> TruthBear DeFi Lending Protocol Risk Chain is a paid API for AI agents from api.truthbear.co, paid per call via x402, $0.25/call, status unknown (last checked 2026-09-14).

Runs a 3-leg sequential risk chain for a single DeFi lending protocol, assessing leading utilisation/bad-debt stress, current protocol state, and realized lifecycle events (exploit, insolvency, or deprecation).

## Facts

- Endpoint: GET https://api.truthbear.co/gauge/defilending-region
- Price: $0.25/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/truthbear-defi-lending-protocol-risk-chain-70fa0969
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_MRgIjY8-cM0TPlBn2EXlz

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 truthbear-defi-lending-protocol-risk-chain-70fa0969
```

Example prompt: Run the full 3-leg DeFi lending risk chain on Euler v1 — I want to see the utilisation stress, current protocol state, and whether there's been any exploit or insolvency event confirmed.

## When to prefer this

Choose this endpoint when you need a structured, multi-leg sequential risk assessment of a specific DeFi lending protocol — covering stress signals, protocol state, and lifecycle confirmation in a single call. Prefer this over generic on-chain data queries when you want pre-interpreted risk signals with a confidence score rather than raw blockchain data. It is best suited for risk monitoring agents, portfolio risk dashboards, or automated alerting systems that need actionable protocol health signals without building their own signal pipeline.

## Known failure modes

- 422 no_charge: insufficient onchain or protocol disclosure data available for the requested entity — call is not billed
- Invalid or unrecognized entity ID: request rejected or empty result
- Entity not in monitored catalog: use GET /gauge/catalog?signal_id=<signal_id> to verify supported entities
- Network or upstream onchain data unavailability causing partial or empty response

## How this service works

[3-LEG] DeFi lending chain, one protocol (?entity=euler-v1): leading utilisation and bad-debt stress -> current current protocol state -> realized lifecycle to exploit, insolvency or deprecation (confirmation gate). A chain, not one reading: confidence = how many legs are lit, in order. Sources: onchain and protocol disclosures. Descriptive only, never a forecast or advice. No data -> 422 no_charge, not billed. $0.25 per call.

## Output

A JSON object representing a 3-leg sequential risk chain: leg 1 covers leading utilisation and bad-debt stress signals; leg 2 describes the current protocol state; leg 3 indicates realized lifecycle events (exploit, insolvency, or deprecation with a confirmation gate). Confidence is expressed as the number of legs that are lit in order. If no data is available, returns a 422 no_charge response and the call is not billed.

## Request schema (JSON Schema)

```json
{
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method",
    "queryParams"
   ],
   "properties": {
    "type": {
     "const": "http"
    },
    "method": {
     "enum": [
      "GET"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "required": [
      "entity"
     ],
     "properties": {
      "entity": {
       "type": "string",
       "examples": [
        "aave",
        "compound",
        "morpho",
        "euler-v2",
        "sky-maker",
        "spark"
       ],
       "description": "required - monitored object id, paired with signal_id; free list at GET /gauge/catalog?signal_id=<signal_id> -> signals[0].entities[]",
       "x-accepted-values": {
        "all": "https://api.truthbear.co/schemas/gauge-defilending-region.input.json",
        "shown": 6,
        "total": 20
       }
      }
     },
     "additionalProperties": false
    }
   }
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "const": "json"
    },
    "example": {}
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "legs": {
   "lifecycle": {
    "band": "operating",
    "source_ref": "https://defillama.com/protocol/aave",
    "record_hash": "sha256:8535ad346ad35f004d7abbe33a7d57ac2cf67812fd40c4737ff8f43c118b270b"
   },
   "bad_debt_stress": {
    "band": "clean",
    "source_ref": "https://defillama.com/protocol/aave",
    "record_hash": "sha256:16353db903c0f5c50e3ae1bfdccfb0477d8d1a6475c8fa61f2c46b88ed62d466"
   },
   "contagion_cascade": {
    "band": "contained",
    "source_ref": "https://defillama.com/protocol/aave",
    "record_hash": "sha256:011b9fe8272eedceadb2738ce3c9f5f0163a39fd13fc4910e8f379dcc41071e3"
   }
  },
  "name": "Aave",
  "grade": "screening-level, not decision-grade",
  "scope": {
   "full": "https://api.truthbear.co/scope/v1",
   "verifiability": "unknown",
   "monitoring_not_forecast": true,
   "intelligence_not_command": true
  },
  "entity": "aave",
  "nature": "This API supplies data organisation and trend description only. It is not a recommendation to act; the decision is yours. Purely descriptive - no judgement, no prediction. Official source plus record_hash; verify with the free /gauge/verify.",
  "provenance": {
   "freshness": "recent",
   "age_hours_now": 136,
   "freshness_basis": "cadence=default; fresh<=24h; recent<=192h; dead_source>1440h; age_basis=request-time(now minus observed_at)"
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/truthbear-defi-lending-protocol-risk-chain-70fa0969/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.truthbear.co](https://www.zero.xyz/host/api.truthbear.co/llms.txt)