{
  "schema_version": 1,
  "source": "FinTech Hodl, LLC — Base DeFi risk intel",
  "network": "base",
  "as_of": "2026-10-25T01:00:00Z",
  "captured_at": "2026-10-25T01:51:44.677Z",
  "delay_hours": 24,
  "preview": false,
  "model_version": "1.3.0",
  "disclaimer": "Risk data only, not investment advice.",
  "terms": "Free to read and cite with attribution; delayed data for information only. Fresh data is available as a paid x402 API (USDC on Base): https://intel.fintechhodl.com/.well-known/x402",
  "item": {
    "id": "1994cc35-a2b9-434e-b197-df6742fb5d81",
    "protocol": "yo-protocol",
    "market": "USDC",
    "type": "vault",
    "apy": 4.53,
    "sustainable_apy": 4.53,
    "tvl_usd": 7559565,
    "risk_score": 28,
    "opportunity_score": 59,
    "confidence": 100,
    "yield_sustainability": 100,
    "liquidity": "Fair",
    "primary_yield_source": "borrower_interest",
    "yield_sources": [
      {
        "category": "borrower_interest",
        "apy": 4.53,
        "share": 1
      }
    ],
    "major_risks": [
      {
        "dimension": "liquidity",
        "score": 34
      },
      {
        "dimension": "governance",
        "score": 31
      },
      {
        "dimension": "oracle",
        "score": 30
      }
    ],
    "key_dependencies": [
      {
        "type": "issuer",
        "name": "Circle"
      }
    ],
    "governance_evidence": [
      "Governance: multisig 4 of 6 with a 2-day timelock (https://docs.yo.xyz/protocol/yo-v2-security-framework.md, checked 2026-10-07)"
    ],
    "tvl_change_7d_pct": -1.9,
    "apy_change_7d_pct": 0,
    "why_this_yield_exists": "Yield comes entirely from interest paid by borrowers. This income source is highly durable.",
    "what_could_lose_money": "Main risks are limited liquidity for exiting positions, governance changes, and oracle accuracy. The protocol depends on Circle, and the pool is relatively small.",
    "what_changed_recently": "TVL -1.9% over 7 days, APY +0% over 7 days; 1 risk event this week (apy_jump). Social signals: not yet monitored.",
    "text_source": "ai",
    "url": "https://yields.fintechhodl.com/o/1994cc35-a2b9-434e-b197-df6742fb5d81/",
    "data_url": "https://yields.fintechhodl.com/data/o/1994cc35-a2b9-434e-b197-df6742fb5d81.json"
  }
}