# Deposit (simulate)

Endpoint reference for the 1delta API. Index: https://docs.1delta.io/llms.txt · every endpoint: https://docs.1delta.io/llms-full.txt

---

### POST /v1/actions/lending/deposit

- operationId: `deposit-simulate`
- docs: https://docs.1delta.io/1delta-api/deposit-simulate/
- markdown: https://docs.1delta.io/1delta-api/deposit-simulate.md
- tags: Lending (Actions)

Deposit (simulate)

Build calldata for depositing into a lending pool and simulate post-trade state. Same parameters as GET. Optionally send a JSON body with current portfolio state (`balanceData`, `aprData`, `positions`) to receive projected post-trade metrics in the `simulation` field — if omitted, the API fetches balances on-chain automatically. Use the data returned by the user-positions endpoint directly — always include `positions` for accurate health-factor and borrow-capacity projections.

**Parameters**

| Name | In | Type | Required | Description |
| --- | --- | --- | --- | --- |
| `marketUid` | query | string | yes | Market identifier (`lender:chainId:address`). The address encodes the underlying token (Aave/Morpho/CompoundV3), cToken (CompoundV2), or pool (Init Capital). |
| `amount` | query | string | yes | Amount in wei |
| `mode` | query | "proxy" \| "direct" | no | Execution mode. proxy = 1delta composer, direct = raw protocol |
| `operator` | query | string | no | Wallet address of the user executing the action |
| `receiver` | query | string | no | Recipient of the lender position (deposit) or underlying tokens (borrow/withdraw). Defaults to `operator` when omitted. Custom-receiver support is per-lender. The API auto-selects the execution path: **Direct path supported** - Aave V2/V3 — `supply` / `withdraw` honor `to`. - Aave V4 — deposit via GiverPM `supplyOnBehalfOf`. Requires the GiverPM to be curated in `aave-v4-peripherals.json` with a name containing "giver". - Compound V3 — `supplyTo` / `withdrawTo`. - Morpho Blue & Lista DAO ERC-20 markets — Morpho `onBehalf`. - Euler V2 ERC-20 vaults — ERC-4626 `deposit(receiver)`. Collateral auto-enable is dropped for non-sub-account receivers. - Silo V2/V3 ERC-20 — `deposit(_, receiver, _)`. - Gearbox V3 passive-pool deposits — ERC-4626 `deposit(_, receiver)`. - Fluid borrow & withdraw — `operate(..., to_)` outflow slot. - Fluid **deposit to an existing NFT** when `accountId` is supplied — pure-deposit `operate()` calls bypass Fluid's owner auth gate, and the API folds a pre-flight `VaultFactory.ownerOf(nftId) == receiver` check into the merged multicall (rejects with 400 `INVALID_PARAM` on mismatch, `VALIDATION_FAILED` if the RPC can't confirm ownership). **Routes to composer (proxy) path** - Compound V2 family — direct `mint` is `msg.sender`-only. - Fluid **fresh-open deposits** — no `accountId` or `accountId=0`. The composer mints the new position NFT to itself, then transfers it to `receiver` via the encoder's `nftReceiver` slot. - Native-ETH vaults on Fluid (deposit / withdraw / repay) and the CompoundV2 family — the composer forwards `msg.value` to the vault's payable entrypoint. Other lenders' composer paths reject native asset and require wrapped-native as `payAsset`. **Direct-only branches that throw** - Gearbox V3 credit-side `addCollateral` — CA bound to operator. - Aave V4 native-gateway path — `supplyAsCollateralNative` has no recipient slot. **Unsupported in any single tx** - Init Capital — position NFT swept to operator. - Euler V2 / Silo V2/V3 native deposit paths — router/orchestrator credits msg.sender. - Fluid repay — on-chain primitive permits it, direct handler doesn't expose a receiver slot yet (routes to proxy as a conservative default). When the lender cannot honor a custom receiver on the direct path, `getTarget` falls back to `proxy` automatically. Forcing `mode=direct` on an unsupported path either throws (Gearbox credit-side, Aave V4 spoke, the explicit Silo router check) or silently credits the operator instead (Compound V2, Init, and Fluid fresh-open). |
| `payAsset` | query | string | no | Asset to pay with. Use the zero address to pay with native ETH on lenders whose vault accepts native (e.g. Init Capital, Fluid native-ETH vaults, CompoundV2 `cETH` markets). Proxy mode: defaults to market asset. Native is forwarded as `msg.value` only when the lender supports it (e.g. Fluid, CompoundV2); otherwise the composer rejects. |
| `isShares` | query | boolean | no | Amount is in shares (direct mode) |
| `accountId` | query | string | no | Per-position identifier. Lender-specific: - **Init Capital** — account ID, required for borrow/withdraw/repay. - **Euler V2** — sub-account index (0..255), defaults to 0. - **Gearbox V3** — credit-account address (alias: `creditAccount`). - **Fluid** — position NFT id. Omit or pass `0` to mint a new position; supply an existing nftId to act on an existing position. Required for borrow/withdraw/repay; for deposit it unlocks the direct path with a custom `receiver` (deposit lands on the receiver-owned NFT after pre-flight `ownerOf` validation). |
| `slippage` | query | number | no | Slippage tolerance in **basis points** (`50` = 0.5%, `100` = 1%). Required whenever the action has to price something: - **Aggregator swap** — when `payAsset` / `receiveAsset` differs from the market's underlying, the currency conversion is routed through a DEX aggregator and this bounds that swap. - **Order-book take (Morpho Midnight)** — bounds the worst execution price accepted while filling offers. Ignored when neither applies (same-asset action on a pool lender). |
| `simulate` | query | boolean | no | When true, the API fetches the user's on-chain balances and returns projected post-trade metrics in the `simulation` field. Default: false. |

**Request body** (`application/json`)

| Field | Type | Required | Description |
| --- | --- | --- | --- |
| `balanceData` | object | yes | Aggregated balance data for a sub-account. |
| `balanceData.deposits` | number | no | Total deposits in USD |
| `balanceData.debt` | number | no | Total debt in USD |
| `balanceData.adjustedDebt` | number | no | Debt adjusted for borrow factors |
| `balanceData.collateral` | number | no | Collateral value in USD |
| `balanceData.collateralAllActive` | number | no | Collateral if all assets were enabled |
| `balanceData.borrowDiscountedCollateral` | number | no | Collateral discounted by borrow factors |
| `balanceData.borrowDiscountedCollateralAllActive` | number | no | Discounted collateral if all enabled |
| `balanceData.nav` | number | no | Net asset value (deposits - debt) |
| `balanceData.deposits24h` | number | no | Deposits 24h ago (for change calculation) |
| `balanceData.debt24h` | number | no | Debt 24h ago |
| `balanceData.nav24h` | number | no | NAV 24h ago |
| `balanceData.rewards` | object[] | no | Pending reward token claims. Each entry represents a single reward program. |
| `balanceData.rewards[].asset` | string | no | Reward token contract address |
| `balanceData.rewards[].totalRewards` | number | no | Total accumulated rewards (token units) |
| `balanceData.rewards[].claimableRewards` | number | no | Immediately claimable rewards (token units) |
| `aprData` | object | yes | APR breakdown for a sub-account. |
| `aprData.apr` | number | no | Net APR (deposit - borrow) |
| `aprData.depositApr` | number | no | Weighted deposit APR |
| `aprData.borrowApr` | number | no | Weighted borrow APR |
| `aprData.rewardApr` | number | no | Total reward APR |
| `aprData.rewardDepositApr` | number | no | Reward APR on deposits |
| `aprData.rewardBorrowApr` | number | no | Reward APR on borrows |
| `aprData.intrinsicApr` | number | no | Intrinsic yield APR (e.g., stETH staking) |
| `aprData.intrinsicDepositApr` | number | no | Intrinsic yield APR portion from deposits |
| `aprData.intrinsicBorrowApr` | number | no | Intrinsic yield APR portion from borrows |
| `aprData.rewards` | object | no | Per-reward-token APR breakdown. Keys are reward token addresses. |
| `modeId` | string | no | Mode/config key from `userConfig.selectedMode` (defaults to "0") |
| `positions` | object[] | no | Current lending positions from the matching sub-account's `positions` array. The full `LendingPosition` objects returned by user-positions are accepted — only the fields in `SimulationPosition` are used. Always include this for accurate health-factor and borrow-capacity projections. |
| `positions[].marketUid` | string | yes | Unique market identifier (format: `{lender}:{chainId}:{address}`) |
| `positions[].depositsUSD` | number | yes | Deposit amount in USD |
| `positions[].debtUSD` | number | yes | Variable debt in USD |
| `positions[].debtStableUSD` | number | yes | Stable debt in USD |
| `positions[].collateralEnabled` | boolean | yes | Whether this asset is enabled as collateral |

**Example request body**

```json
{
  "balanceData": {
    "deposits": 10000.5,
    "debt": 5000.25,
    "adjustedDebt": 5500,
    "collateral": 9000,
    "collateralAllActive": 10000.5,
    "borrowDiscountedCollateral": 8000,
    "borrowDiscountedCollateralAllActive": 9000,
    "nav": 5000.25,
    "deposits24h": 9800,
    "debt24h": 4900,
    "nav24h": 4900,
    "rewards": [
      {
        "asset": "0xc00e94Cb662C3520282E6f5717214004A7f26888",
        "totalRewards": 12.5,
        "claimableRewards": 12.5
      }
    ]
  },
  "aprData": {
    "apr": 2.5,
    "depositApr": 3.5,
    "borrowApr": 5.2,
    "rewardApr": 1.2,
    "rewardDepositApr": 0.8,
    "rewardBorrowApr": 0.4,
    "intrinsicApr": 0,
    "intrinsicDepositApr": 0,
    "intrinsicBorrowApr": 0,
    "rewards": {}
  },
  "modeId": "0",
  "positions": [
    {
      "marketUid": "AAVE_V3:1:0xc02aaa39b223fe8d0a0e5c4f27ead9083c756cc2",
      "depositsUSD": 5000,
      "debtUSD": 2000,
      "debtStableUSD": 0,
      "collateralEnabled": true
    }
  ]
}
```

**Response `200`** — Transaction calldata with post-trade simulation

| Field | Type | Description |
| --- | --- | --- |
| `success` | true |  |
| `data` | object | Simulation results including projected health factor and borrow capacity |
| `data.transaction` | object | An EVM transaction ready to sign and broadcast. Send `to`, `data` and `value` as-is; do not re-encode them. |
| `data.transaction.to` | string | Target contract address |
| `data.transaction.data` | string | Encoded calldata |
| `data.transaction.value` | string | ETH value to send with the transaction |
| `data.transaction.description` | string | Human-readable label. For `alternatives`, this is the aggregator name (e.g. "Paraswap"). For `transactions`, describes the setup action (e.g. "Switch e-mode to 1"). |
| `data.permissionTxns` | object[] | Approvals needed for this specific quote. Most integrators should use the deduplicated envelope-level `actions.permissions` instead. |
| `data.permissionTxns[].to` | string | Target contract address |
| `data.permissionTxns[].data` | string | Encoded calldata |
| `data.permissionTxns[].value` | string | ETH value |
| `data.permissionTxns[].description` | string | Human-readable description of the approval (e.g. "Approve borrow for AAVE_V3", "Approve ERC20") |
| `data.permissionTxns[].spender` | string | ERC-20 approve spender (x-chain permissions). Match it against the selected quote's `approvalTarget` — several bridges can share one spender, so do not match by description. |
| `data.rateImpact` | object[] | Projected interest-rate impact per market. Single-market actions produce 1 entry; loop actions produce 2. Null if IRM data is unavailable. |
| `data.rateImpact[].marketUid` | string | Market identifier (format: `lender:chainId:address`) |
| `data.rateImpact[].utilization` | object | A current/projected pair for a single rate metric. |
| `data.rateImpact[].utilization.current` | number | Current value |
| `data.rateImpact[].utilization.projected` | number | Projected value after the action |
| `data.rateImpact[].borrowRate` | object | A current/projected pair for a single rate metric. |
| `data.rateImpact[].borrowRate.current` | number | Current value |
| `data.rateImpact[].borrowRate.projected` | number | Projected value after the action |
| `data.rateImpact[].depositRate` | object | A current/projected pair for a single rate metric. |
| `data.rateImpact[].depositRate.current` | number | Current value |
| `data.rateImpact[].depositRate.projected` | number | Projected value after the action |
| `data.simulation` | object | Projected post-trade metrics, or null if simulation failed |
| `data.simulation.pre` | object | Portfolio state before the trade. |
| `data.simulation.pre.healthFactor` | number | Health factor before the trade (null-safe: capped at 1e18 when no debt) |
| `data.simulation.pre.borrowCapacity` | number | Borrow capacity (USD) before the trade |
| `data.simulation.post` | object | Projected portfolio state after the trade. |
| `data.simulation.post.healthFactor` | number | Projected health factor after the trade |
| `data.simulation.post.borrowCapacity` | number | Projected borrow capacity (USD) after the trade |
| `data.simulation.post.balanceData` | object | Aggregated balance data for a sub-account. |
| `data.simulation.post.balanceData.deposits` | number | Total deposits in USD |
| `data.simulation.post.balanceData.debt` | number | Total debt in USD |
| `data.simulation.post.balanceData.adjustedDebt` | number | Debt adjusted for borrow factors |
| `data.simulation.post.balanceData.collateral` | number | Collateral value in USD |
| `data.simulation.post.balanceData.collateralAllActive` | number | Collateral if all assets were enabled |
| `data.simulation.post.balanceData.borrowDiscountedCollateral` | number | Collateral discounted by borrow factors |
| `data.simulation.post.balanceData.borrowDiscountedCollateralAllActive` | number | Discounted collateral if all enabled |
| `data.simulation.post.balanceData.nav` | number | Net asset value (deposits - debt) |
| `data.simulation.post.balanceData.deposits24h` | number | Deposits 24h ago (for change calculation) |
| `data.simulation.post.balanceData.debt24h` | number | Debt 24h ago |
| `data.simulation.post.balanceData.nav24h` | number | NAV 24h ago |
| `data.simulation.post.balanceData.rewards` | object[] | Pending reward token claims. Each entry represents a single reward program. |
| `data.simulation.post.aprData` | object | APR breakdown for a sub-account. |
| `data.simulation.post.aprData.apr` | number | Net APR (deposit - borrow) |
| `data.simulation.post.aprData.depositApr` | number | Weighted deposit APR |
| `data.simulation.post.aprData.borrowApr` | number | Weighted borrow APR |
| `data.simulation.post.aprData.rewardApr` | number | Total reward APR |
| `data.simulation.post.aprData.rewardDepositApr` | number | Reward APR on deposits |
| `data.simulation.post.aprData.rewardBorrowApr` | number | Reward APR on borrows |
| `data.simulation.post.aprData.intrinsicApr` | number | Intrinsic yield APR (e.g., stETH staking) |
| `data.simulation.post.aprData.intrinsicDepositApr` | number | Intrinsic yield APR portion from deposits |
| `data.simulation.post.aprData.intrinsicBorrowApr` | number | Intrinsic yield APR portion from borrows |
| `data.simulation.post.aprData.rewards` | object | Per-reward-token APR breakdown. Keys are reward token addresses. |
| `data.simulationError` | string | Error message if simulation failed |
| `actions` | object | Transaction calldata and approvals. Null for quote-only responses (no account provided). |
| `actions.transactions` | object[] | Pre-trade setup transactions (e.g. e-mode switch, collateral enable). Execute these before the main swap. Empty when no setup is needed. |
| `actions.transactions[].to` | string | Target contract address |
| `actions.transactions[].data` | string | Encoded calldata |
| `actions.transactions[].value` | string | ETH value to send with the transaction |
| `actions.transactions[].description` | string | Human-readable label. For `alternatives`, this is the aggregator name (e.g. "Paraswap"). For `transactions`, describes the setup action (e.g. "Switch e-mode to 1"). |
| `actions.alternatives` | object[] | DEX aggregator swap transactions sorted by best output (descending). Each entry's `description` is the aggregator name. The client should pick one to execute. Present on loop action endpoints. |
| `actions.alternatives[].to` | string | Target contract address |
| `actions.alternatives[].data` | string | Encoded calldata |
| `actions.alternatives[].value` | string | ETH value to send with the transaction |
| `actions.alternatives[].description` | string | Human-readable label. For `alternatives`, this is the aggregator name (e.g. "Paraswap"). For `transactions`, describes the setup action (e.g. "Switch e-mode to 1"). |
| `actions.permissions` | object[] | Approval/delegation transactions that must execute before both `transactions` and `alternatives`. Includes ERC20 allowances (targeting the composer contract) and lender borrow/withdrawal delegations (targeting the lending protocol contract directly). Filtered against on-chain state so only missing approvals are returned. Null when no approvals are needed. |
| `actions.permissions[].to` | string | Target contract address |
| `actions.permissions[].data` | string | Encoded calldata |
| `actions.permissions[].value` | string | ETH value |
| `actions.permissions[].description` | string | Human-readable description of the approval (e.g. "Approve borrow for AAVE_V3", "Approve ERC20") |
| `actions.permissions[].spender` | string | ERC-20 approve spender (x-chain permissions). Match it against the selected quote's `approvalTarget` — several bridges can share one spender, so do not match by description. |

**Example response**

```json
{
  "success": true,
  "data": {
    "transaction": {
      "to": "0x87870Bca3F3fD6335C3F4ce8392D69350B4fA4E2",
      "data": "0x617ba037000000000000000000000000c02aaa39b2",
      "value": "0",
      "description": "string"
    },
    "permissionTxns": [
      {
        "to": "0xC02aaA39b223FE8D0A0e5C4F27eAD9083C756Cc2",
        "data": "0x617ba037000000000000000000000000c02aaa39b2",
        "value": "0",
        "description": "string",
        "spender": "0xC02aaA39b223FE8D0A0e5C4F27eAD9083C756Cc2"
      }
    ],
    "rateImpact": [
      {
        "marketUid": "AAVE_V3:8453:0x4200000000000000000000000000000000000006",
        "utilization": {
          "current": 1,
          "projected": 1
        },
        "borrowRate": {
          "current": 1,
          "projected": 1
        },
        "depositRate": {
          "current": 1,
          "projected": 1
        }
      }
    ],
    "simulation": {
      "pre": {
        "healthFactor": 1.85,
        "borrowCapacity": 3000
      },
      "post": {
        "healthFactor": 2.1,
        "borrowCapacity": 3500,
        "balanceData": {
          "deposits": 10000.5,
          "debt": 5000.25,
          "adjustedDebt": 5500,
          "collateral": 9000,
          "collateralAllActive": 10000.5,
          "borrowDiscountedCollateral": 8000,
          "borrowDiscountedCollateralAllActive": 9000,
          "nav": 5000.25,
          "deposits24h": 9800,
          "debt24h": 4900,
          "nav24h": 4900,
          "rewards": [
            {
              "asset": "0xc00e94Cb662C3520282E6f5717214004A7f26888",
              "totalRewards": 12.5,
              "claimableRewards": 12.5
            }
          ]
        },
        "aprData": {
          "apr": 2.5,
          "depositApr": 3.5,
          "borrowApr": 5.2,
          "rewardApr": 1.2,
          "rewardDepositApr": 0.8,
          "rewardBorrowApr": 0.4,
          "intrinsicApr": 0,
          "intrinsicDepositApr": 0,
          "intrinsicBorrowApr": 0,
          "rewards": {}
        }
      }
    },
    "simulationError": "string"
  },
  "actions": {
    "transactions": [
      {
        "to": "0x87870Bca3F3fD6335C3F4ce8392D69350B4fA4E2",
        "data": "0x617ba037000000000000000000000000c02aaa39b2",
        "value": "0",
        "description": "string"
      }
    ],
    "alternatives": [
      {
        "to": "0x87870Bca3F3fD6335C3F4ce8392D69350B4fA4E2",
        "data": "0x617ba037000000000000000000000000c02aaa39b2",
        "value": "0",
        "description": "string"
      }
    ],
    "permissions": [
      {
        "to": "0xC02aaA39b223FE8D0A0e5C4F27eAD9083C756Cc2",
        "data": "0x617ba037000000000000000000000000c02aaa39b2",
        "value": "0",
        "description": "string",
        "spender": "0xC02aaA39b223FE8D0A0e5C4F27eAD9083C756Cc2"
      }
    ]
  }
}
```

**Response `400`** — Validation error

**Response `429`** — Rate limited. Unauthenticated callers share a per-IP budget; send an `x-api-key` header to lift it. Retry with exponential backoff.

**Response `500`** — Unexpected server error. Safe to retry with backoff.

**Response `502`** — An upstream data source or protocol origin failed (`error.code` is `ORIGIN_FAILED`). `error.details` carries the per-origin status. This is also what a missing or malformed required parameter currently returns, rather than a 400.