{"version":1,"job_id":1697,"chain_id":97,"contracts":{"commerce":"0xa206c0517B6371C6638CD9e4a42Cc9f02A33B0DE","router":"0xD7d36D66d2F1B608A0F943f722D27e3744f66F25","policy":"0xd6a4217588F6B1F5657a92A3e94E6422aD771cEA"},"response":{"content":"{\"agent\": {\"name\": \"Halong Yield\", \"category\": \"yield\", \"erc8004\": \"eip155:97:0x8004A818BFB912233c491871b3d84c89A494BD9e/2647\"}, \"brief\": {\"task\": \"Where should I deposit 1,000 USDT for the best yield over 30 days? Report net yield, fees, liquidity and protocol risk, with data sources.\", \"asset\": \"USDT\", \"amount\": 1000.0, \"amount_stated\": true, \"horizon_days\": 30, \"risk_tolerance\": \"medium\", \"needs_instant_liquidity\": false, \"wallet\": null, \"read_by\": \"rules\"}, \"answer\": \"Supply 1,000 USDT on Venus: 4.19% APY (4.05% risk-adjusted, grade A), ahead of Aave V3 at 3.23%, about 3.44 USDT over 30 days at today's rate.\", \"analyst_note\": {\"headline\": \"Best risk-adjusted home: Venus USDT.\", \"note\": \"Compared 13 stablecoin markets on Venus and Aave V3; 7 pass a medium-risk filter for this amount. Venus USDT ranks first on risk-adjusted APY (4.05%), with 83.5% utilization and 27,982,908 USDT withdrawable today.\", \"watch\": [\"Supply APYs move with borrow demand every block.\", \"Utilization above 85% would start to slow withdrawals (now 83.5%).\"], \"by\": \"template\"}, \"recommendation\": {\"protocol\": \"Venus\", \"market\": \"0xfD5840Cd36d94D7229439859C0112a4185BC0255\", \"asset\": \"USDT\", \"supply_apy\": 4.191, \"risk_adjusted_apy\": 4.0526, \"grade\": \"A\", \"expected_earnings\": 3.44, \"penalties\": [{\"pp\": 0.122, \"reason\": \"APY swung 3.64-4.64% over 7 days\"}]}, \"markets\": [{\"protocol\": \"Venus\", \"chain_id\": 56, \"asset\": \"USDC\", \"underlying\": \"0x8AC76a51cc950d9822D68b83fE1Ad97B32Cd580d\", \"market\": \"0xecA88125a5ADbe82614ffC12D0DB554E2e2867C8\", \"decimals\": 18, \"supply_apy\": 5.5502, \"borrow_apy\": 6.977, \"utilization\": 88.9891, \"liquidity\": 3578475.25, \"total_supplied\": 32498584.29, \"price\": 0.99976, \"risk_adjusted_apy\": 4.5198, \"base_apy\": 5.8608, \"grade\": \"C\", \"excluded\": null, \"penalties\": [{\"pp\": 1.022, \"reason\": \"APY swung 3.86-10.52% over 7 days\"}, {\"pp\": 0.319, \"reason\": \"utilization 89.0%: exits depend on repayments\"}], \"history_7d\": {\"n\": 31, \"avg\": 6.1714, \"min\": 3.8618, \"max\": 10.5242, \"stdev\": 2.043}, \"expected_earnings\": 4.56}, {\"protocol\": \"Venus\", \"chain_id\": 56, \"asset\": \"USDT\", \"underlying\": \"0x55d398326f99059fF775485246999027B3197955\", \"market\": \"0xfD5840Cd36d94D7229439859C0112a4185BC0255\", \"decimals\": 18, \"supply_apy\": 4.191, \"borrow_apy\": 5.6161, \"utilization\": 83.4851, \"liquidity\": 27982908.06, \"total_supplied\": 169439607.16, \"price\": 0.99885, \"risk_adjusted_apy\": 4.0526, \"base_apy\": 4.1746, \"grade\": \"A\", \"excluded\": null, \"penalties\": [{\"pp\": 0.122, \"reason\": \"APY swung 3.64-4.64% over 7 days\"}], \"history_7d\": {\"n\": 31, \"avg\": 4.1582, \"min\": 3.641, \"max\": 4.6397, \"stdev\": 0.2437}, \"expected_earnings\": 3.44}, {\"protocol\": \"Aave V3\", \"chain_id\": 56, \"asset\": \"USDC\", \"underlying\": \"0x8AC76a51cc950d9822D68b83fE1Ad97B32Cd580d\", \"market\": \"0x00901a076785e0906d1028c7d6372d247bec7d61\", \"decimals\": 18, \"supply_apy\": 5.0168, \"borrow_apy\": 6.128, \"utilization\": 91.4371, \"liquidity\": 1102749.22, \"total_supplied\": 12878180.83, \"price\": 0.99976, \"risk_adjusted_apy\": 3.543, \"base_apy\": 4.271, \"grade\": \"B\", \"excluded\": null, \"penalties\": [{\"pp\": 0.213, \"reason\": \"APY swung 3.09-5.04% over 7 days\"}, {\"pp\": 0.515, \"reason\": \"utilization 91.4%: exits depend on repayments\"}], \"history_7d\": {\"n\": 31, \"avg\": 3.5251, \"min\": 3.0884, \"max\": 5.0435, \"stdev\": 0.4258}, \"expected_earnings\": 4.12}, {\"protocol\": \"Aave V3\", \"chain_id\": 56, \"asset\": \"USDT\", \"underlying\": \"0x55d398326f99059fF775485246999027B3197955\", \"market\": \"0xa9251ca9DE909CB71783723713B21E4233fbf1B1\", \"decimals\": 18, \"supply_apy\": 3.2282, \"borrow_apy\": 4.2908, \"utilization\": 84.0227, \"liquidity\": 9934496.24, \"total_supplied\": 62178624.9, \"price\": 0.99886, \"risk_adjusted_apy\": 3.1392, \"base_apy\": 3.1922, \"grade\": \"A\", \"excluded\": null, \"penalties\": [{\"pp\": 0.053, \"reason\": \"APY swung 2.95-3.30% over 7 days\"}], \"history_7d\": {\"n\": 31, \"avg\": 3.1563, \"min\": 2.9508, \"max\": 3.2981, \"stdev\": 0.1065}, \"expected_earnings\": 2.65}, {\"protocol\": \"Aave V3\", \"chain_id\": 56, \"asset\": \"FDUSD\", \"underlying\": \"0xc5f0f7b66764F6ec8C8Dff7BA683102295E16409\", \"market\": \"0x75bd1A659bdC62e4C313950d44A2416faB43E785\", \"decimals\": 18, \"supply_apy\": 4.5657, \"borrow_apy\": 10.2575, \"utilization\": 91.4448, \"liquidity\": 45854.07, \"total_supplied\": 535979.86, \"price\": 0.99587, \"risk_adjusted_apy\": 2.2489, \"base_apy\": 4.2509, \"grade\": \"C\", \"excluded\": null, \"penalties\": [{\"pp\": 0.387, \"reason\": \"APY swung 3.02-5.02% over 7 days\"}, {\"pp\": 0.516, \"reason\": \"utilization 91.4%: exits depend on repayments\"}, {\"pp\": 0.436, \"reason\": \"position is 2.2% of withdrawable liquidity\"}, {\"pp\": 0.413, \"reason\": \"oracle price $0.9959, 0.41% off the peg\"}, {\"pp\": 0.25, \"reason\": \"smaller issuer\"}], \"history_7d\": {\"n\": 31, \"avg\": 3.9362, \"min\": 3.0214, \"max\": 5.0206, \"stdev\": 0.7748}, \"expected_earnings\": 3.75}, {\"protocol\": \"Venus\", \"chain_id\": 56, \"asset\": \"DAI\", \"underlying\": \"0x1AF3F329e8BE154074D8769D1FFa4eE058B1DBc3\", \"market\": \"0x334b3eCB4DCa3593BCCC3c7EBD1A1C1d1780FBF1\", \"decimals\": 18, \"supply_apy\": 2.4991, \"borrow_apy\": 5.3754, \"utilization\": 52.3801, \"liquidity\": 755056.26, \"total_supplied\": 1585587.34, \"price\": 0.9998, \"risk_adjusted_apy\": 2.2276, \"base_apy\": 2.4916, \"grade\": \"A\", \"excluded\": null, \"penalties\": [{\"pp\": 0.014, \"reason\": \"APY swung 2.45-2.52% over 7 days\"}, {\"pp\": 0.25, \"reason\": \"smaller issuer\"}], \"history_7d\": {\"n\": 31, \"avg\": 2.4841, \"min\": 2.4482, \"max\": 2.5212, \"stdev\": 0.028}, \"expected_earnings\": 2.05}, {\"protocol\": \"Venus\", \"chain_id\": 56, \"asset\": \"FDUSD\", \"underlying\": \"0xc5f0f7b66764F6ec8C8Dff7BA683102295E16409\", \"market\": \"0xC4eF4229FEc74Ccfe17B2bdeF7715fAC740BA0ba\", \"decimals\": 18, \"supply_apy\": 2.8895, \"borrow_apy\": 5.7858, \"utilization\": 56.2694, \"liquidity\": 2561243.95, \"total_supplied\": 5856866.35, \"price\": 0.99587, \"risk_adjusted_apy\": 2.1546, \"base_apy\": 2.9326, \"grade\": \"B\", \"excluded\": null, \"penalties\": [{\"pp\": 0.115, \"reason\": \"APY swung 2.52-3.42% over 7 days\"}, {\"pp\": 0.413, \"reason\": \"oracle price $0.9959, 0.41% off the peg\"}, {\"pp\": 0.25, \"reason\": \"smaller issuer\"}], \"history_7d\": {\"n\": 31, \"avg\": 2.9757, \"min\": 2.5166, \"max\": 3.4233, \"stdev\": 0.2293}, \"expected_earnings\": 2.37}, {\"protocol\": \"Venus\", \"chain_id\": 56, \"asset\": \"U\", \"underlying\": \"0xcE24439F2D9C6a2289F741120FE202248B666666\", \"market\": \"0x3d5E269787d562b74aCC55F18Bd26C5D09Fa245E\", \"decimals\": 18, \"supply_apy\": 1.9507, \"borrow_apy\": 3.7299, \"utilization\": 58.6153, \"liquidity\": 13635534.45, \"total_supplied\": 32948278.4, \"price\": 0.99821, \"risk_adjusted_apy\": 1.3157, \"base_apy\": 1.9577, \"grade\": \"B\", \"excluded\": null, \"penalties\": [{\"pp\": 0.042, \"reason\": \"APY swung 1.56-2.05% over 7 days\"}, {\"pp\": 0.6, \"reason\": \"newer or synthetic dollar\"}], \"history_7d\": {\"n\": 31, \"avg\": 1.9646, \"min\": 1.5629, \"max\": 2.0537, \"stdev\": 0.0844}, \"expected_earnings\": 1.6}, {\"protocol\": \"Venus\", \"chain_id\": 56, \"asset\": \"USD1\", \"underlying\": \"0x8d0D000Ee44948FC98c9B98A4FA4921476f08B0d\", \"market\": \"0x0C1DA220D301155b87318B90692Da8dc43B67340\", \"decimals\": 18, \"supply_apy\": 1.2714, \"borrow_apy\": 4.1888, \"utilization\": 41.0503, \"liquidity\": 564881.26, \"total_supplied\": 958243.46, \"price\": 0.99665, \"risk_adjusted_apy\": 0.5971, \"base_apy\": 1.2761, \"grade\": \"B\", \"excluded\": null, \"penalties\": [{\"pp\": 0.094, \"reason\": \"APY swung 0.84-1.69% over 7 days\"}, {\"pp\": 0.335, \"reason\": \"oracle price $0.9966, 0.34% off the peg\"}, {\"pp\": 0.25, \"reason\": \"smaller issuer\"}], \"history_7d\": {\"n\": 31, \"avg\": 1.2807, \"min\": 0.8375, \"max\": 1.6915, \"stdev\": 0.1872}, \"expected_earnings\": 1.05}, {\"protocol\": \"Venus\", \"chain_id\": 56, \"asset\": \"USDe\", \"underlying\": \"0x5d3a1Ff2b6BAb83b63cd9AD0787074081a52ef34\", \"market\": \"0x74ca6930108F775CC667894EEa33843e691680d7\", \"decimals\": 18, \"supply_apy\": 1.775, \"borrow_apy\": 4.2829, \"utilization\": 55.9375, \"liquidity\": 16333.42, \"total_supplied\": 37068.78, \"price\": 0.99886, \"risk_adjusted_apy\": -0.139, \"base_apy\": 1.736, \"grade\": \"C\", \"excluded\": null, \"penalties\": [{\"pp\": 0.051, \"reason\": \"APY swung 1.48-1.78% over 7 days\"}, {\"pp\": 1.224, \"reason\": \"position is 6.1% of withdrawable liquidity\"}, {\"pp\": 0.6, \"reason\": \"newer or synthetic dollar\"}], \"history_7d\": {\"n\": 31, \"avg\": 1.697, \"min\": 1.4847, \"max\": 1.7752, \"stdev\": 0.1011}, \"expected_earnings\": 1.46}, {\"protocol\": \"Venus\", \"chain_id\": 56, \"asset\": \"lisUSD\", \"underlying\": \"0x0782b6d8c4551B9760e74c0545a9bCD90bdc41E5\", \"market\": \"0x689E0daB47Ab16bcae87Ec18491692BF621Dc6Ab\", \"decimals\": 18, \"supply_apy\": 0.0, \"borrow_apy\": 0.0, \"utilization\": 24.326, \"liquidity\": 270285.19, \"total_supplied\": 357170.58, \"price\": 0.99758, \"risk_adjusted_apy\": -0.842, \"base_apy\": 0.0, \"grade\": null, \"excluded\": \"pays nothing: no borrow demand\", \"penalties\": [{\"pp\": 0.242, \"reason\": \"oracle price $0.9976, 0.24% off the peg\"}, {\"pp\": 0.6, \"reason\": \"newer or synthetic dollar\"}], \"history_7d\": {\"n\": 31, \"avg\": 0.0, \"min\": 0.0, \"max\": 0.0, \"stdev\": 0.0}, \"expected_earnings\": 0.0}, {\"protocol\": \"Venus\", \"chain_id\": 56, \"asset\": \"BUSD\", \"underlying\": \"0xe9e7CEA3DedcA5984780Bafc599bD69ADd087D56\", \"market\": \"0x95c78222B3D6e262426483D42CfA53685A67Ab9D\", \"decimals\": 18, \"supply_apy\": 0.0, \"borrow_apy\": 0.0, \"utilization\": 0.045, \"liquidity\": 816155.35, \"total_supplied\": 816302.73, \"price\": 1.0, \"risk_adjusted_apy\": -1.5, \"base_apy\": 0.0, \"grade\": null, \"excluded\": \"pays nothing: no borrow demand\", \"penalties\": [{\"pp\": 1.5, \"reason\": \"deprecated or thinly backed stablecoin\"}], \"history_7d\": {\"n\": 31, \"avg\": 0.0, \"min\": 0.0, \"max\": 0.0, \"stdev\": 0.0}, \"expected_earnings\": 0.0}, {\"protocol\": \"Venus\", \"chain_id\": 56, \"asset\": \"TUSD\", \"underlying\": \"0x40af3827F39D0EAcBF4A168f8D4ee67c121D11c9\", \"market\": \"0xBf762cd5991cA1DCdDaC9ae5C638F5B5Dc3Bee6E\", \"decimals\": 18, \"supply_apy\": 0.0, \"borrow_apy\": 0.0, \"utilization\": 100.0, \"liquidity\": 0.0, \"total_supplied\": 4822.29, \"price\": 0.99844, \"risk_adjusted_apy\": -2.7, \"base_apy\": 0.0, \"grade\": null, \"excluded\": \"pays nothing: no borrow demand\", \"penalties\": [{\"pp\": 1.2, \"reason\": \"utilization 100.0%: exits depend on repayments\"}, {\"pp\": 1.5, \"reason\": \"deprecated or thinly backed stablecoin\"}], \"history_7d\": {\"n\": 31, \"avg\": 0.0, \"min\": 0.0, \"max\": 0.0, \"stdev\": 0.0}, \"expected_earnings\": 0.0}], \"wallet_plan\": null, \"method\": [\"Supply APY: Venus compounds supplyRatePerBlock daily over blocks per year measured from recent blocks; Aave compounds the per-second liquidity rate.\", \"Risk-adjusted APY = base APY (spot, blended with the 7-day average when history exists) minus itemized penalties for volatility, utilization, exit liquidity, oracle depeg and issuer tier.\", \"Risk filter 'medium' admits grades A, B.\", \"Expected earnings hold today's rate constant for 30 days; swaps assume a 0.05% cost.\"], \"risks\": [\"Supply APY is variable: it moves with borrow demand every block.\", \"Smart-contract and oracle risk of Venus and Aave V3.\", \"Stablecoin issuer and depeg risk, higher for smaller stablecoins.\", \"High utilization can delay withdrawals until borrowers repay.\"], \"data_sources\": {\"chain_id\": 56, \"block\": 131481870, \"venus_comptroller\": \"0xfD36E2c2a6789Db23113685031d7F16329158384\", \"aave_v3_pool\": \"0x6807dc923806fE8Fd134338EABCA509979a7e0cB\", \"rpc\": \"https://bsc-rpc.publicnode.com\", \"read_at\": 1793730956}, \"agent_treasury\": {\"wallet\": \"0x6108C0076cF5997aCe0Ea0c92b7f90BC17243aba\", \"chain_id\": 97, \"positions\": {\"USDT\": {\"idle\": 0.0, \"supplied_to_venus\": 2234.51}, \"USDC\": {\"idle\": 0.0, \"supplied_to_venus\": 2678.41}, \"BUSD\": {\"idle\": 0.0, \"supplied_to_venus\": 0.0}}, \"activity\": \"https://testnet.bscscan.com/address/0x6108C0076cF5997aCe0Ea0c92b7f90BC17243aba\"}, \"rate_this_agent\": {\"url\": \"https://halong-yield.vercel.app/rate?job=1697\", \"how\": \"Open the link with the wallet you hired from: one transaction writes your score to the ERC-8004 Reputation Registry for this agent.\"}}","content_type":"text/plain"},"metadata":{"agent":"Halong Yield","answer":"Supply 1,000 USDT on Venus: 4.19% APY (4.05% risk-adjusted, grade A), ahead of Aave V3 at 3.23%, about 3.44 USDT over 30 days at today's rate."}}