LenderDataEntry

Fused lender entry combining sub-account position data with aggregated summary metrics.

lenderstringrequired

Lender identifier

Example: AAVE_V3

chainIdstringrequired

Chain ID

Example: 1

accountstringrequired

User account address

Example: 0xbadA9c382165b31419F4CC0eDf0Fa84f80A3C8E5

data object[]required

Sub-account position data

Array [

accountIdstringrequired

Sub-account identifier (e.g., "0" for default, NFT ID for Init)

Example: 0

healthnumbernullable

Health factor (null if no debt). Values > 1 are healthy, < 1 at risk of liquidation.

Example: 1.85

borrowCapacityUSDnumber

Total USD borrowable while maintaining health >= 1

Example: 3000

balanceData objectrequired

Aggregated balance data for a sub-account.

depositsnumber

Total deposits in USD

Example: 10000.5

debtnumber

Total debt in USD

Example: 5000.25

adjustedDebtnumber

Debt adjusted for borrow factors

Example: 5500

collateralnumber

Collateral value in USD

Example: 9000

collateralAllActivenumber

Collateral if all assets were enabled

Example: 10000.5

borrowDiscountedCollateralnumber

Collateral discounted by borrow factors

Example: 8000

borrowDiscountedCollateralAllActivenumber

Discounted collateral if all enabled

Example: 9000

navnumber

Net asset value (deposits - debt)

Example: 5000.25

deposits24hnumber

Deposits 24h ago (for change calculation)

Example: 9800

debt24hnumber

Debt 24h ago

Example: 4900

nav24hnumber

NAV 24h ago

Example: 4900

rewards object[]nullable

Pending reward token claims. Each entry represents a single reward program.

Array [

assetstring

Reward token contract address

Example: 0xc00e94Cb662C3520282E6f5717214004A7f26888

totalRewardsnumber

Total accumulated rewards (token units)

Example: 12.5

claimableRewardsnumber

Immediately claimable rewards (token units)

Example: 12.5

]

aprData objectrequired

APR breakdown for a sub-account.

aprnumber

Net APR (deposit - borrow)

Example: 2.5

depositAprnumber

Weighted deposit APR

Example: 3.5

borrowAprnumber

Weighted borrow APR

Example: 5.2

rewardAprnumber

Total reward APR

Example: 1.2

rewardDepositAprnumber

Reward APR on deposits

Example: 0.8

rewardBorrowAprnumber

Reward APR on borrows

Example: 0.4

intrinsicAprnumber

Intrinsic yield APR (e.g., stETH staking)

Example: 0

intrinsicDepositAprnumber

Intrinsic yield APR portion from deposits

Example: 0

intrinsicBorrowAprnumber

Intrinsic yield APR portion from borrows

Example: 0

rewards object

Per-reward-token APR breakdown. Keys are reward token addresses.

property name* RewardAprBreakdown

APR breakdown for a single reward token.

aprnumber

Net reward APR (normalized to NAV)

Example: 0.045

borrowAprnumber

Reward APR on borrows

Example: 0.012

depositAprnumber

Reward APR on deposits

Example: 0.078

positions object[]required

Individual asset positions in this sub-account

Array [

marketUidstring

Unique market identifier (format: {lender}:{chainId}:{address})

Example: AAVE_V3:1:0xc02aaa39b223fe8d0a0e5c4f27ead9083c756cc2

depositsstring

Deposit amount in token units (wei)

Example: 1000000000000000000

debtstring

Variable debt in token units

Example: 0

debtStablestring

Stable debt in token units

Example: 0

debtSharesstring

Debt share amount (protocol-specific, present when the protocol uses share-based accounting)

Example: 0

depositSharesstring

Deposit share amount (protocol-specific, present when the protocol uses share-based accounting)

Example: 0

depositsUSDnumber

Deposits in USD (market price)

Example: 2500

debtUSDnumber

Variable debt in USD (market price)

Example: 0

debtStableUSDnumber

Stable debt in USD (market price)

Example: 0

depositsUSDOraclenumber

Deposits in USD using on-chain oracle price (used for risk/health calculations)

Example: 2510

debtUSDOraclenumber

Variable debt in USD using on-chain oracle price

Example: 0

debtStableUSDOraclenumber

Stable debt in USD using on-chain oracle price

Example: 0

collateralEnabledboolean

Whether this asset is enabled as collateral

Example: true

claimableRewardsnumber

Claimable rewards in USD

Example: 0.5

withdrawablestring

Max tokens withdrawable while maintaining health >= 1. Equals full deposit balance if collateral is not enabled.

Example: 0.5

borrowablestring

Max tokens borrowable against remaining credit line. Zero if borrowing is disabled, reserve is frozen, or debt is disabled for the active mode.

Example: 100

underlyingInfo object

Nested asset metadata, oracle prices, and market prices for a lending market.

asset object

Token metadata for an underlying asset.

chainIdstring

EVM chain id, as a decimal string. See the ChainId schema.

Example: 1

addressstring

Token contract address (lowercase)

Example: 0xa0b86991c6218b36c1d19d4a2e9eb0ce3606eb48

symbolstring

Token symbol, e.g. WETH.

Example: USDC

namestring

Human-readable display name.

Example: USD Coin

decimalsintegernullable

Token decimals — divide raw amounts by 10 ** decimals.

Example: 6

logoURIstringnullable

URL of the logo image.

assetGroupstringnullable

Canonical asset group (e.g. "USDC", "ETH", "BTC")

Example: USDC

currencyIdstringnullable

props objectnullable

Protocol-specific asset properties

property name*anynullable

Protocol-specific asset properties

oraclePrice object

On-chain oracle price data.

oraclePricenumbernullable

Raw on-chain oracle price

oraclePriceUsdnumbernullable

Oracle price denominated in USD

prices object

Market prices for an asset with 24h comparison.

priceUsdnumbernullable

Current price in USD

priceTsstring<date-time>nullable

Timestamp of current price

priceUsd24hnumbernullable

Price 24 hours ago in USD

priceTs24hstring<date-time>nullable

Timestamp of 24h-ago price

priceChange24hnumbernullable

Percentage price change over 24h

loanIdstringnullable

Lista DAO brokered markets only: identifies a single fixed-term loan (the broker posId; the dynamic/flex position uses type(uint128).max). Present on per-loan breakdown rows; absent on the aggregate debt row and on the shared collateral row. Pass to /v1/actions/lending/repay?loanId=….

Example: 450

term objectnullable

Lista DAO brokered markets only: the fixed-term detail for this loan (rate, maturity, accrued interest, early-repay penalty). Present only on per-loan breakdown rows.

loanIdstring

The WRITE TARGET for this loan — meaning is lender-specific: Lista = the broker's posId (the dynamic position uses 340282366920938463463374607431768211455, type(uint128).max); Exactly = the maturity as a string (but repay requests send termId, never loanId); TermMax = the GT NFT id; Teller = the bidId. Pass to /v1/actions/lending/repay?loanId=… for the lenders that key on it.

Example: 450

termIdintegernullable

The rate-card term this loan was opened against (matches a MarketTerm.termId). Omitted for the dynamic/flex position. Exactly: equals the maturity, and IS the field a repay request must send.

Example: 2

isDynamicbooleannullable

True for the flexible/variable position (e.g. a matured fixed loan auto-refinanced into the dynamic position). Omitted/false for fixed-term loans.

Example: false

debtstring

Outstanding debt for this loan in token units. Lista/Teller (accruing debt): principal + accrued interest. Exactly/TermMax (STATIC face value): the EXIT-NOW cost — for Exactly that is discounted before maturity and penalty-inflated when overdue, so compare with faceValue rather than assuming it is the settle-at-maturity amount.

Example: 14.5003

aprnumbernullable

Fixed APR locked for this loan, in percent. Omitted for the dynamic position (it tracks the variable rate).

Example: 3.85

maturitynumbernullable

Unix timestamp (seconds) when the fixed term ends. After maturity interest is frozen and the loan may be refinanced into the dynamic position. Omitted for the dynamic position.

Example: 1781789025

termDaysnumbernullable

Term length in days.

Example: 7

accruedIntereststringnullable

Interest accrued so far on this loan, in token units.

Example: 0.000358

earlyRepayPenaltystringnullable

Cost (token units) to close this loan before maturity, on top of principal + accrued interest (≈ half the remaining-term interest). 0 once the loan has matured. To fully close fund debt + earlyRepayPenalty; the broker refunds any excess.

Example: 0.001211

isMaturedbooleannullable

True once the fixed term has ended. What follows differs per lender: Lista freezes interest and a keeper auto-converts the loan into the dynamic position (so it may reappear as the isDynamic row); Exactly starts accruing the late penalty below; TermMax opens a 2-hour liquidation window and then settles by physical delivery; Teller DEFAULTS after the market grace period and a liquidator seizes the entire collateral.

Example: false

faceValuestringnullable

Amount owed AT maturity (principal + fee) for static-face-value lenders (Exactly). No accrual index — it grows only via a late penalty where the protocol has one. Compare against debt (the exit-now cost) to show the user what waiting or repaying early is worth.

Example: 100.0

earlyRepayDiscountstringnullable

Exactly only: the REBATE for repaying before maturity (faceValue − debt). Exactly never charges an early-repay fee — but this is 0 when the fixed pool has no unassigned earnings left, so an early repay is not a guaranteed saving. Opposite in sign to Lista earlyRepayPenalty.

Example: 1.0

latePenaltystringnullable

Exactly only: penalty accrued so far past maturity (debt − faceValue), token units.

Example: 2.25

latePenaltyPerDaystringnullable

Exactly only: further penalty per additional day overdue, token units. LINEAR on face value, not compounding.

Example: 0.225

latePenaltyAprnumbernullable

Exactly only: the annualized late-penalty rate in percent (~164 %/yr ≙ ~0.45 %/day at time of writing). A mutable market parameter, snapshotted per fetch — do not hardcode it in UI copy.

Example: 164.24

secondsLateintegernullable

Seconds past maturity; 0 until overdue.

Example: 0

]

userConfig objectrequired

User configuration for a sub-account.

selectedModestring

Mode/config key (e.g. e-mode category or vault address)

Example: 0

idstring

Config identifier

Example: 0

isWhitelistedboolean

Whether user is whitelisted (for permissioned markets)

]

balanceData objectrequired

Summary-level balance data (without discounted/adjusted fields).

depositsnumber

Total deposits in USD

Example: 10000.5

debtnumber

Total debt in USD

Example: 5000.25

collateralnumber

Collateral value in USD

Example: 9000

collateralAllActivenumber

Collateral if all assets were enabled

Example: 10000.5

navnumber

Net asset value (deposits - debt)

Example: 5000.25

deposits24hnumber

Deposits 24h ago

Example: 9800

debt24hnumber

Debt 24h ago

Example: 4900

nav24hnumber

NAV 24h ago

Example: 4900

rewards object[]nullable

Pending reward token claims. Each entry represents a single reward program.

Array [

assetstring

Reward token contract address

Example: 0xc00e94Cb662C3520282E6f5717214004A7f26888

totalRewardsnumber

Total accumulated rewards (token units)

Example: 12.5

claimableRewardsnumber

Immediately claimable rewards (token units)

Example: 12.5

]

aprData objectrequired

Summary-level APR breakdown.

aprnumber

Net APR (deposit - borrow)

Example: 2.5

depositAprnumber

Weighted deposit APR

Example: 3.5

borrowAprnumber

Weighted borrow APR

Example: 5.2

rewardAprnumber

Total reward APR

Example: 1.2

rewardDepositAprnumber

Reward APR on deposits

Example: 0.8

rewardBorrowAprnumber

Reward APR on borrows

Example: 0.4

intrinsicAprnumber

Intrinsic yield APR (e.g., stETH staking)

Example: 0

intrinsicDepositAprnumber

Intrinsic yield APR portion from deposits

Example: 0

intrinsicBorrowAprnumber

Intrinsic yield APR portion from borrows

Example: 0

rewards object

Per-reward-token APR breakdown. Keys are reward token addresses.

property name* RewardAprBreakdown

APR breakdown for a single reward token.

aprnumber

Net reward APR (normalized to NAV)

Example: 0.045

borrowAprnumber

Reward APR on borrows

Example: 0.012

depositAprnumber

Reward APR on deposits

Example: 0.078

leveragenumber

Leverage ratio (deposits / nav)

Example: 2

LenderDataEntry

{
  "lender": "AAVE_V3",
  "chainId": "1",
  "account": "0xbadA9c382165b31419F4CC0eDf0Fa84f80A3C8E5",
  "data": [
    {
      "accountId": "0",
      "health": 1.85,
      "borrowCapacityUSD": 3000,
      "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": {}
      },
      "positions": [
        {
          "marketUid": "AAVE_V3:1:0xc02aaa39b223fe8d0a0e5c4f27ead9083c756cc2",
          "deposits": "1000000000000000000",
          "debt": "0",
          "debtStable": "0",
          "debtShares": "0",
          "depositShares": "0",
          "depositsUSD": 2500,
          "debtUSD": 0,
          "debtStableUSD": 0,
          "depositsUSDOracle": 2510,
          "debtUSDOracle": 0,
          "debtStableUSDOracle": 0,
          "collateralEnabled": true,
          "claimableRewards": 0.5,
          "withdrawable": "0.5",
          "borrowable": "100",
          "underlyingInfo": {
            "asset": {
              "chainId": "1",
              "address": "0xa0b86991c6218b36c1d19d4a2e9eb0ce3606eb48",
              "symbol": "USDC",
              "name": "USD Coin",
              "decimals": 6,
              "logoURI": "string",
              "assetGroup": "USDC",
              "currencyId": "string",
              "props": {}
            },
            "oraclePrice": {
              "oraclePrice": 0,
              "oraclePriceUsd": 0
            },
            "prices": {
              "priceUsd": 0,
              "priceTs": "2024-07-29T15:51:28.071Z",
              "priceUsd24h": 0,
              "priceTs24h": "2024-07-29T15:51:28.071Z",
              "priceChange24h": 0
            }
          },
          "loanId": "450",
          "term": {
            "loanId": "450",
            "termId": 2,
            "isDynamic": false,
            "debt": "14.5003",
            "apr": 3.85,
            "maturity": 1781789025,
            "termDays": 7,
            "accruedInterest": "0.000358",
            "earlyRepayPenalty": "0.001211",
            "isMatured": false,
            "faceValue": "100.0",
            "earlyRepayDiscount": "1.0",
            "latePenalty": "2.25",
            "latePenaltyPerDay": "0.225",
            "latePenaltyApr": 164.24,
            "secondsLate": 0
          }
        }
      ],
      "userConfig": {
        "selectedMode": "0",
        "id": "0",
        "isWhitelisted": true
      }
    }
  ],
  "balanceData": {
    "deposits": 10000.5,
    "debt": 5000.25,
    "collateral": 9000,
    "collateralAllActive": 10000.5,
    "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": {}
  },
  "leverage": 2
}