# Deposit and borrow (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-and-borrow

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

Deposit and borrow (simulate)

Deposit and borrow with post-trade simulation. 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 | The COLLATERAL (supply) market, `lender:chainId:address`. |
| `debtMarketUid` | query | string | yes | The DEBT (borrow) market — same lender and chain (Exactly: any two Exactly markets, it is cross-margin). |
| `collateralAmount` | query | string | yes | Raw amount supplied (alias `amount`). With a foreign `payAsset`, the amount of that asset swapped into the collateral. |
| `borrowAmount` | query | string | yes | Raw amount borrowed. |
| `payAsset` | query | string | no | Currency the collateral is paid in. Default: the collateral underlying; native (zero address) wraps where the lender supports it; another token adds an aggregator swap (needs `slippage`) where supported, else 400 `UNSUPPORTED`. |
| `receiveAsset` | query | string | no | Delivery currency of the borrow: the debt underlying (default) or native (unwrap of a wrapped-native debt). Any other token is 400 `UNSUPPORTED`. |
| `operator` | query | string | yes | The position owner and caller (signer). |
| `receiver` | query | string | no | Recipient of the tokens paid out (the borrow, or the withdrawn collateral). Default: `operator`. |
| `accountId` | query | string | no | Sub-account / position id (Euler sub-account, Morpho-style position, NFT id, Liquity trove id, …). Aliases: `nftId`, and `troveId` on withdraw-and-repay. |
| `borrowMode` | query | string | no | Aave rate mode of the debt (alias `lendingMode`). Default 2 = VARIABLE on Aave-type lenders. |
| `slippage` | query | string | no | Basis points. Required when a `payAsset` / `receiveAsset` conversion adds an aggregator swap. |
| `simulate` | query | boolean | no | When true, the API fetches the `operator`'s on-chain balances and returns projected post-trade metrics in the `simulation` field. The projection is always of the operator's account: with a custom `receiver` it does not show the receiver's position. Default: false. |
| `modeId` | query | string | no | Aave V3 only: the e-mode category the borrow capacity was computed against. When it differs from the account's, a `setUserEMode` pre-step is prepended (a user transaction — it cannot be composed on behalf). |
| `debtTermId` | query | string | no | Fixed-term debt: Exactly maturity / Lista broker term id (alias `termId`). `collateralTermId` is the supply-side equivalent. |
| `interestRate` | query | string | no | Liquity family / River trove open: the user-set interest rate. With `maxUpfrontFee`, `maxFeePercentage`, `ownerIndex`. |
| `bands` | query | string | no | LlamaLend: the number of soft-liquidation bands (4–50). Fixed for the life of the loan; omitted → the market default. |
| `liqLtv` | query | string | no | Twyne: the liquidation LTV (1e4 scale) of a position DEPLOYED by this open; ignored when a position exists. |
| `bidRate` | query | string | no | Term auction: the sealed bid rate (alias `rate`), with optional `termNonce` / `termSeed` seal inputs. |
| `collateralAsset1` | query | string | no | Two-token (DEX-LP) sides, e.g. Fluid smart vaults: the second token of the collateral, with `collateralAmount1`; `debtAsset1` / `debtAmount1` for the debt side; `collateralMinShares` / `debtMaxShares` bound the share math. Absent = single-sided. |

**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(s) with post-trade simulation

| Field | Type | Description |
| --- | --- | --- |
| `success` | true |  |
| `data` | object | Simulation results including projected health factor and borrow capacity |
| `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[].chainType` | "evm" | Which VM executes this step. ABSENT means `evm`, which is the only value any endpoint returns today — every EVM response is unchanged. A non-EVM chain would return a different shape (a serialized, PERISHABLE transaction rather than `to`/`data`/`value`) carrying its own `chainType`, so a client that wants to stay forward-compatible should branch on this field rather than assume `to` is present. |
| `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[].chainType` | "evm" | Which VM executes this step. ABSENT means `evm`, which is the only value any endpoint returns today — every EVM response is unchanged. A non-EVM chain would return a different shape (a serialized, PERISHABLE transaction rather than `to`/`data`/`value`) carrying its own `chainType`, so a client that wants to stay forward-compatible should branch on this field rather than assume `to` is present. |
| `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. |
| `actions.permissions[].type` | "ERC20" \| "Lender" | What kind of grant this is. A `signatures[]` offer names the `type` it replaces via its `replaces` field. |
| `actions.signatures` | object[] | EIP-712 payloads the user can sign INSTEAD of sending the corresponding `permissions` entry. Only present when the caller opted in with `permit=auto\|required` and a permit path exists. Sign with `eth_signTypedData_v4`, then POST the same endpoint with `{permits: [{permitId, signature}]}` (plus `builds` where the response issued buildIds) — the permit executes inside the main transaction. |
| `actions.signatures[].permitId` | string | Opaque, self-describing handle for this permit. Round-trip it verbatim: POST `{permits: [{permitId, signature}]}` back to the same endpoint. |
| `actions.signatures[].kind` | "erc2612" \| "dai" \| "permit2" \| "aaveCredit" \| "morphoAuth" \| "cometAuth" | Permit flavour |
| `actions.signatures[].typedData` | object | Ready for `eth_signTypedData_v4` (domain, types incl. EIP712Domain, primaryType, message). All numeric fields are decimal strings. |
| `actions.signatures[].replaces` | string | Which `permissions` entry this signature replaces (`ERC20` \| `Lender`) |
| `actions.signatures[].spender` | string | Who the signature authorises. Match against the permission / quote (`approvalTarget`) it replaces — on multi-spender responses (x-chain) only routes whose approvalTarget equals this spender are covered by the signature. |
| `actions.signatures[].description` | string | Human-readable label for this entry. |
| `actions.signatures[].unscoped` | boolean | True when the grant is NOT amount-scoped (full position control until revoked) — surface this to the user. |
| `actions.signatures[].deadline` | string | Unix seconds after which the signature is worthless (default: 30 minutes). |
| `actions.signs` | object[] | Messages that MUST be signed before anything can be sent (unlike `signatures`, which are optional permit offers). When non-empty, `transactions` and `alternatives` are EMPTY: sign `typedData` with `eth_signTypedData_v4` (or, for `format: personal_sign`, `message` with `personal_sign`), then call `submit` with the signature under `submit.signatureField`, and execute what that answers. `permissions` may still be present and can be sent before or after signing. Produced by Inverse FiRM loops (`/loop/leverage`, `/loop/close`), Morpho Midnight make, Term order-sign and the Lista leg of `/rewards/claim`. |
| `actions.signs[].purpose` | "authorize-action" \| "publish-order" \| "authenticate" | `authorize-action`: the signature authorises an on-chain action and `submit` answers its transaction (Inverse ALE loops). `publish-order`: the signature makes an off-chain order and `submit` publishes it (Midnight make, Term order-sign). `authenticate`: the signature is a LOGIN to a third-party API that serves the data the transaction needs (Lista reward proofs); it authorises nothing on-chain. |
| `actions.signs[].format` | "eip712" \| "personal_sign" | `eip712`: sign `typedData` with `eth_signTypedData_v4`. `personal_sign`: sign the UTF-8 `message` with `personal_sign`. |
| `actions.signs[].typedData` | object | `format: eip712` only. Ready for `eth_signTypedData_v4`. All numeric fields are decimal strings. |
| `actions.signs[].message` | string | `format: personal_sign` only. The exact text to sign; send it back verbatim (it is part of `submit.params`). |
| `actions.signs[].signer` | string | The address that must sign. The server recovers the signer and refuses any other. |
| `actions.signs[].deadline` | string | Unix seconds after which the signature is worthless. |
| `actions.signs[].spender` | string | Who the signature authorises. |
| `actions.signs[].description` | string | Human-readable label for this entry. |
| `actions.signs[].submit` | object |  |
| `actions.signs[].submit.method` | "GET" \| "POST" |  |
| `actions.signs[].submit.endpoint` | string | Path on this API, e.g. `/v1/actions/loop/leverage`. |
| `actions.signs[].submit.params` | object | GET: the complete query to send — the original request plus the handle the signature is for (`permitId`). Replay verbatim. |
| `actions.signs[].submit.body` | object | POST: the JSON body to send, verbatim. |
| `actions.signs[].submit.signatureField` | string | The query param (GET) or body field (POST) that carries the signature. |
| `actions.permitSkipped` | object[] | Why a permit was NOT offered for a permission, when one was asked for (`permit=auto\|required`). The corresponding approve transaction stands. |
| `actions.permitSkipped[].replaces` | string | Which permission kind stays a transaction (`ERC20` \| `Lender`) |
| `actions.permitSkipped[].reason` | string |  |

**Example response**

```json
{
  "success": true,
  "data": {},
  "actions": {
    "transactions": [
      {
        "chainType": "evm",
        "to": "0x87870Bca3F3fD6335C3F4ce8392D69350B4fA4E2",
        "data": "0x617ba037000000000000000000000000c02aaa39b2",
        "value": "0",
        "description": "string"
      }
    ],
    "alternatives": [
      {
        "chainType": "evm",
        "to": "0x87870Bca3F3fD6335C3F4ce8392D69350B4fA4E2",
        "data": "0x617ba037000000000000000000000000c02aaa39b2",
        "value": "0",
        "description": "string"
      }
    ],
    "permissions": [
      {
        "to": "0xC02aaA39b223FE8D0A0e5C4F27eAD9083C756Cc2",
        "data": "0x617ba037000000000000000000000000c02aaa39b2",
        "value": "0",
        "description": "string",
        "spender": "0xC02aaA39b223FE8D0A0e5C4F27eAD9083C756Cc2",
        "type": "ERC20"
      }
    ],
    "signatures": [
      {
        "permitId": "string",
        "kind": "erc2612",
        "typedData": {},
        "replaces": "string",
        "spender": "0xC02aaA39b223FE8D0A0e5C4F27eAD9083C756Cc2",
        "description": "string",
        "unscoped": true,
        "deadline": "string"
      }
    ],
    "signs": [
      {
        "purpose": "authorize-action",
        "format": "eip712",
        "typedData": {},
        "message": "string",
        "signer": "string",
        "deadline": "string",
        "spender": "0xC02aaA39b223FE8D0A0e5C4F27eAD9083C756Cc2",
        "description": "string",
        "submit": {
          "method": "GET",
          "endpoint": "string",
          "params": {},
          "body": {},
          "signatureField": "string"
        }
      }
    ],
    "permitSkipped": [
      {
        "replaces": "string",
        "reason": "string"
      }
    ]
  }
}
```

**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.