{
  "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": "28470287-2c5b-5744-bc13-b9f1c0190b7b",
    "protocol": "morpho-blue",
    "market": "GROVE-STEAKUSDC",
    "type": "lending",
    "apy": 4.73,
    "sustainable_apy": 3.55,
    "tvl_usd": 430403605,
    "risk_score": 26,
    "opportunity_score": 55,
    "confidence": 75,
    "yield_sustainability": 75,
    "liquidity": "Excellent",
    "primary_yield_source": "borrower_interest",
    "yield_sources": [
      {
        "category": "borrower_interest",
        "apy": 4.73,
        "share": 1
      }
    ],
    "major_risks": [
      {
        "dimension": "smart_contract",
        "score": 35
      },
      {
        "dimension": "yield",
        "score": 32
      },
      {
        "dimension": "oracle",
        "score": 18
      }
    ],
    "key_dependencies": [
      {
        "type": "curator",
        "name": "Steakhouse Financial"
      },
      {
        "type": "protocol_family",
        "name": "Morpho"
      },
      {
        "type": "issuer",
        "name": "Circle"
      }
    ],
    "governance_evidence": [
      "Governance: immutable contracts (https://docs.morpho.org/learn/governance/organization/, checked 2026-10-07)",
      "Curator: Steakhouse Financial · 7-day timelock · sentinel · lends mostly against cbBTC (90%) at up to 86.0% LTV"
    ],
    "tvl_change_7d_pct": 19.4,
    "apy_change_7d_pct": -0.4,
    "why_this_yield_exists": "Yield comes from borrower interest paid on this pool. The income mix is fairly durable overall.",
    "what_could_lose_money": "Main risks are the smart contracts and underlying layers, plus yield potentially falling. The price oracle could fail or be manipulated. The position depends on Circle, and the pool holds a large amount.",
    "what_changed_recently": "TVL +19.4% over 7 days, APY -0.4% over 7 days; no risk events this week. Social signals: not yet monitored.",
    "text_source": "ai",
    "url": "https://yields.fintechhodl.com/o/28470287-2c5b-5744-bc13-b9f1c0190b7b/",
    "data_url": "https://yields.fintechhodl.com/data/o/28470287-2c5b-5744-bc13-b9f1c0190b7b.json"
  }
}