{
  "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": "cca340f1-03e7-5097-8d7c-f07def190cc2",
    "protocol": "morpho-blue",
    "market": "K3USDC",
    "type": "lending",
    "apy": 5.55,
    "sustainable_apy": 5.55,
    "tvl_usd": 3699721,
    "risk_score": 38,
    "opportunity_score": 52,
    "confidence": 83,
    "yield_sustainability": 100,
    "liquidity": "Fair",
    "primary_yield_source": "borrower_interest",
    "yield_sources": [
      {
        "category": "borrower_interest",
        "apy": 5.55,
        "share": 1
      }
    ],
    "major_risks": [
      {
        "dimension": "asset",
        "score": 54
      },
      {
        "dimension": "liquidity",
        "score": 39
      },
      {
        "dimension": "smart_contract",
        "score": 29
      }
    ],
    "key_dependencies": [
      {
        "type": "curator",
        "name": "K3 Capital"
      },
      {
        "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: K3 Capital · 3-day timelock · sentinel · lends mostly against cbXRP (96%) at up to 62.5% LTV"
    ],
    "tvl_change_7d_pct": 0.2,
    "apy_change_7d_pct": 0.3,
    "why_this_yield_exists": "It pays yield from interest charged to borrowers. This income source is very durable.",
    "what_could_lose_money": "The main risks are exposure to the collateral tokens and their price movements, difficulty exiting the position, and smart contract risk across the pool and its underlying layers. The position also depends on Circle and holds a moderate pool size.",
    "what_changed_recently": "TVL +0.2% 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/cca340f1-03e7-5097-8d7c-f07def190cc2/",
    "data_url": "https://yields.fintechhodl.com/data/o/cca340f1-03e7-5097-8d7c-f07def190cc2.json"
  }
}