# FinTech Hodl — Base DeFi yields and risk data

> Risk scores, yields and plain-English risk reports for the top 25 Base DeFi opportunities. Risk data only, not investment advice.
> Free tier, delayed 24 hours. Data as of 2026-10-25T01:00:00Z. Scoring model 1.3.0.

## Machine-readable data
- [All opportunities (JSON)](https://yields.fintechhodl.com/data/opportunities.json): the 25 rows with scores, yield sources, risks, dependencies and report text.
- One opportunity (JSON): https://yields.fintechhodl.com/data/o/{id}.json, using the data_url of a row from the list above.
- [OpenAPI description](https://yields.fintechhodl.com/openapi.json): the shape of these files.

## Human-readable pages
- [Yields table](https://yields.fintechhodl.com/): sortable table of the 25 opportunities.
- Per-opportunity report: https://yields.fintechhodl.com/o/{id}/

## How to use it
- Fields: apy and sustainable_apy are percent per year; tvl_usd is dollars; risk_score is 0-100 (lower is lower modelled risk); opportunity_score is 0-100.
- Cite the as_of time and model_version. Scores are modelled from public data and can be wrong or stale.
- Do not present this data as advice, a recommendation or a prediction.

## Fresh and deeper data: the paid API
A pay-per-call API with fresh (not delayed) scores, full risk cards, history, dependencies and risk events, paid per request with x402 (USDC on Base). It covers all tracked Base opportunities, not only these 25.
- Base URL: https://intel.fintechhodl.com
- [Routes and prices](https://intel.fintechhodl.com/.well-known/x402): every route, its price and what it returns. Prices are set there; check them before paying.
- Free: https://intel.fintechhodl.com/health and https://intel.fintechhodl.com/api/v1/opportunities (search and filter the full list), limited to 60 calls an hour per client.
- Paid: request a route, read the 402 response's PAYMENT-REQUIRED header, pay with an x402 client and repeat the request. You are charged only for a 200 answer; while data is refreshing, paid routes answer 503 and charge nothing.
- Yields, quoted vs realized: https://intel.fintechhodl.com/api/v1/yields (paid) ranks Base vaults and lending markets and shows, next to each quoted APY, the APY depositors actually earned over 7 and 30 days, read from on-chain share prices. Filter by asset, type, stable_only, min_apy, risk_max or realized_only; sort by risk_adjusted, realized_apy, quoted_apy, sustainable_apy or tvl.
- Lending rates on Base: https://intel.fintechhodl.com/api/v1/lending-rates (paid) gives supply APY for every tracked lending market and vault, quoted next to the APY lenders actually earned over 7 and 30 days.
- Yield farming on Base: https://intel.fintechhodl.com/api/v1/yield-farming (paid) ranks liquidity pools, concentrated liquidity and auto-compounding vaults risk-adjusted, with fees vs token rewards and the sustainable APY once incentives fade.
- MCP: https://intel.fintechhodl.com/mcp (Streamable HTTP, stateless) offers the same data as 16 tools (2 free, 14 paid with x402 over MCP, same prices). Use an MCP client that can pay with x402, for example @x402/mcp.
- Also listed in the x402 Bazaar (Coinbase's catalog of x402 services). The [OpenAPI description](https://yields.fintechhodl.com/openapi.json) covers these routes too.

## Contact
https://fintechhodl.com/contact