{
  "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": "b39b492a-0a64-4926-8598-d5acf05d62b5",
    "protocol": "morpho-blue",
    "market": "MWUSDC",
    "type": "lending",
    "apy": 4.35,
    "sustainable_apy": 4.22,
    "tvl_usd": 2587492,
    "risk_score": 31,
    "opportunity_score": 59,
    "confidence": 100,
    "yield_sustainability": 97,
    "liquidity": "Fair",
    "primary_yield_source": "borrower_interest",
    "yield_sources": [
      {
        "category": "borrower_interest",
        "apy": 4.18,
        "share": 0.96
      },
      {
        "category": "token_incentives",
        "apy": 0.17,
        "share": 0.04
      }
    ],
    "major_risks": [
      {
        "dimension": "liquidity",
        "score": 49
      },
      {
        "dimension": "oracle",
        "score": 18
      },
      {
        "dimension": "protocol",
        "score": 17
      }
    ],
    "key_dependencies": [
      {
        "type": "curator",
        "name": "Anthias Labs"
      },
      {
        "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: Anthias Labs · 4-day timelock · guardian · lends mostly against WETH (95%) at up to 86.0% LTV"
    ],
    "tvl_change_7d_pct": -15.5,
    "apy_change_7d_pct": -0.3,
    "why_this_yield_exists": "Yields come mainly from interest paid by borrowers, with a small portion from token incentives. This income source is highly durable.",
    "what_could_lose_money": "The main risks are difficulty exiting the position quickly, potential oracle failures, and protocol-level vulnerabilities. The position also depends on Circle and the pool's current size.",
    "what_changed_recently": "TVL -15.5% over 7 days, APY -0.3% over 7 days; no risk events this week. Social signals: not yet monitored.",
    "text_source": "ai",
    "url": "https://yields.fintechhodl.com/o/b39b492a-0a64-4926-8598-d5acf05d62b5/",
    "data_url": "https://yields.fintechhodl.com/data/o/b39b492a-0a64-4926-8598-d5acf05d62b5.json"
  }
}