{"version":1,"job_id":1684,"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\": \"Assess a hypothetical 5,000 USDT allocation on BNB mainnet, chain 56, held for 90 days and currently earning 0%. Compare supported Venus Core stablecoin markets, showing supply APY, utilisation, available liquidity, estimated earnings, switching costs and risks. Explain the strongest eligible options and disclose assumptions, sources and observation time. Label any Aave comparison separately. Research only; do not deposit or move funds.\", \"asset\": \"USDT\", \"amount\": 5000.0, \"amount_stated\": true, \"horizon_days\": 90, \"risk_tolerance\": \"medium\", \"needs_instant_liquidity\": false, \"wallet\": null, \"read_by\": \"rules\"}, \"answer\": \"Supply 5,000 USDT on Venus: 4.33% APY (3.90% risk-adjusted, grade A), ahead of Aave V3 at 3.28%, about 53.35 USDT over 90 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 (3.90%), with 84.3% utilization and 26,508,491 USDT withdrawable today.\", \"watch\": [\"Supply APYs move with borrow demand every block.\", \"Utilization above 85% would start to slow withdrawals (now 84.3%).\"], \"by\": \"template\"}, \"recommendation\": {\"protocol\": \"Venus\", \"market\": \"0xfD5840Cd36d94D7229439859C0112a4185BC0255\", \"asset\": \"USDT\", \"supply_apy\": 4.3269, \"risk_adjusted_apy\": 3.9022, \"grade\": \"A\", \"expected_earnings\": 53.35, \"penalties\": [{\"pp\": 0.193, \"reason\": \"APY swung 3.42-4.64% over 7 days\"}]}, \"markets\": [{\"protocol\": \"Venus\", \"chain_id\": 56, \"asset\": \"USDC\", \"underlying\": \"0x8AC76a51cc950d9822D68b83fE1Ad97B32Cd580d\", \"market\": \"0xecA88125a5ADbe82614ffC12D0DB554E2e2867C8\", \"decimals\": 18, \"supply_apy\": 8.1171, \"borrow_apy\": 9.8321, \"utilization\": 92.4629, \"liquidity\": 2398923.76, \"total_supplied\": 31827108.79, \"price\": 0.99984, \"risk_adjusted_apy\": 5.2414, \"base_apy\": 6.8374, \"grade\": \"C\", \"excluded\": null, \"penalties\": [{\"pp\": 0.999, \"reason\": \"APY swung 3.86-10.52% over 7 days\"}, {\"pp\": 0.597, \"reason\": \"utilization 92.5%: exits depend on repayments\"}], \"history_7d\": {\"n\": 35, \"avg\": 5.5577, \"min\": 3.8618, \"max\": 10.5242, \"stdev\": 1.997}, \"expected_earnings\": 100.07}, {\"protocol\": \"Venus\", \"chain_id\": 56, \"asset\": \"USDT\", \"underlying\": \"0x55d398326f99059fF775485246999027B3197955\", \"market\": \"0xfD5840Cd36d94D7229439859C0112a4185BC0255\", \"decimals\": 18, \"supply_apy\": 4.3269, \"borrow_apy\": 5.7398, \"utilization\": 84.3285, \"liquidity\": 26508491.08, \"total_supplied\": 169149509.25, \"price\": 0.99882, \"risk_adjusted_apy\": 3.9022, \"base_apy\": 4.0952, \"grade\": \"A\", \"excluded\": null, \"penalties\": [{\"pp\": 0.193, \"reason\": \"APY swung 3.42-4.64% over 7 days\"}], \"history_7d\": {\"n\": 35, \"avg\": 3.8636, \"min\": 3.4215, \"max\": 4.6397, \"stdev\": 0.386}, \"expected_earnings\": 53.35}, {\"protocol\": \"Aave V3\", \"chain_id\": 56, \"asset\": \"USDT\", \"underlying\": \"0x55d398326f99059fF775485246999027B3197955\", \"market\": \"0xa9251ca9DE909CB71783723713B21E4233fbf1B1\", \"decimals\": 18, \"supply_apy\": 3.2838, \"borrow_apy\": 4.3278, \"utilization\": 84.7321, \"liquidity\": 9425890.08, \"total_supplied\": 61736518.38, \"price\": 0.99881, \"risk_adjusted_apy\": 3.1467, \"base_apy\": 3.1887, \"grade\": \"A\", \"excluded\": null, \"penalties\": [{\"pp\": 0.042, \"reason\": \"APY swung 2.95-3.30% over 7 days\"}], \"history_7d\": {\"n\": 35, \"avg\": 3.0935, \"min\": 2.9508, \"max\": 3.2961, \"stdev\": 0.0836}, \"expected_earnings\": 40.49}, {\"protocol\": \"Aave V3\", \"chain_id\": 56, \"asset\": \"USDC\", \"underlying\": \"0x8AC76a51cc950d9822D68b83fE1Ad97B32Cd580d\", \"market\": \"0x00901a076785e0906d1028c7d6372d247bec7d61\", \"decimals\": 18, \"supply_apy\": 3.542, \"borrow_apy\": 4.4955, \"utilization\": 87.938, \"liquidity\": 1552084.94, \"total_supplied\": 12867530.01, \"price\": 0.99978, \"risk_adjusted_apy\": 3.1122, \"base_apy\": 3.4272, \"grade\": \"B\", \"excluded\": null, \"penalties\": [{\"pp\": 0.08, \"reason\": \"APY swung 3.09-3.59% over 7 days\"}, {\"pp\": 0.235, \"reason\": \"utilization 87.9%: exits depend on repayments\"}], \"history_7d\": {\"n\": 35, \"avg\": 3.3124, \"min\": 3.0884, \"max\": 3.5853, \"stdev\": 0.16}, \"expected_earnings\": 43.67}, {\"protocol\": \"Venus\", \"chain_id\": 56, \"asset\": \"FDUSD\", \"underlying\": \"0xc5f0f7b66764F6ec8C8Dff7BA683102295E16409\", \"market\": \"0xC4eF4229FEc74Ccfe17B2bdeF7715fAC740BA0ba\", \"decimals\": 18, \"supply_apy\": 2.8862, \"borrow_apy\": 5.7831, \"utilization\": 56.2313, \"liquidity\": 2564023.67, \"total_supplied\": 5858123.13, \"price\": 0.99725, \"risk_adjusted_apy\": 2.2496, \"base_apy\": 2.9026, \"grade\": \"B\", \"excluded\": null, \"penalties\": [{\"pp\": 0.128, \"reason\": \"APY swung 2.51-3.42% over 7 days\"}, {\"pp\": 0.275, \"reason\": \"oracle price $0.9972, 0.28% off the peg\"}, {\"pp\": 0.25, \"reason\": \"smaller issuer\"}], \"history_7d\": {\"n\": 35, \"avg\": 2.919, \"min\": 2.5053, \"max\": 3.4233, \"stdev\": 0.2555}, \"expected_earnings\": 35.58}, {\"protocol\": \"Venus\", \"chain_id\": 56, \"asset\": \"DAI\", \"underlying\": \"0x1AF3F329e8BE154074D8769D1FFa4eE058B1DBc3\", \"market\": \"0x334b3eCB4DCa3593BCCC3c7EBD1A1C1d1780FBF1\", \"decimals\": 18, \"supply_apy\": 2.5209, \"borrow_apy\": 5.3998, \"utilization\": 52.5997, \"liquidity\": 757209.59, \"total_supplied\": 1597476.38, \"price\": 0.99951, \"risk_adjusted_apy\": 2.2168, \"base_apy\": 2.4998, \"grade\": \"A\", \"excluded\": null, \"penalties\": [{\"pp\": 0.033, \"reason\": \"APY swung 2.42-2.83% over 7 days\"}, {\"pp\": 0.25, \"reason\": \"smaller issuer\"}], \"history_7d\": {\"n\": 35, \"avg\": 2.4786, \"min\": 2.4186, \"max\": 2.8311, \"stdev\": 0.0662}, \"expected_earnings\": 31.08}, {\"protocol\": \"Venus\", \"chain_id\": 56, \"asset\": \"U\", \"underlying\": \"0xcE24439F2D9C6a2289F741120FE202248B666666\", \"market\": \"0x3d5E269787d562b74aCC55F18Bd26C5D09Fa245E\", \"decimals\": 18, \"supply_apy\": 1.9766, \"borrow_apy\": 3.7552, \"utilization\": 58.9923, \"liquidity\": 13474554.48, \"total_supplied\": 32858592.47, \"price\": 0.99913, \"risk_adjusted_apy\": 1.3216, \"base_apy\": 1.9546, \"grade\": \"B\", \"excluded\": null, \"penalties\": [{\"pp\": 0.033, \"reason\": \"APY swung 1.56-1.98% over 7 days\"}, {\"pp\": 0.6, \"reason\": \"newer or synthetic dollar\"}], \"history_7d\": {\"n\": 35, \"avg\": 1.9326, \"min\": 1.5629, \"max\": 1.977, \"stdev\": 0.0665}, \"expected_earnings\": 24.37}, {\"protocol\": \"Venus\", \"chain_id\": 56, \"asset\": \"USD1\", \"underlying\": \"0x8d0D000Ee44948FC98c9B98A4FA4921476f08B0d\", \"market\": \"0x0C1DA220D301155b87318B90692Da8dc43B67340\", \"decimals\": 18, \"supply_apy\": 1.2805, \"borrow_apy\": 4.2043, \"utilization\": 41.1905, \"liquidity\": 563485.33, \"total_supplied\": 958151.7, \"price\": 0.9979, \"risk_adjusted_apy\": 0.7732, \"base_apy\": 1.3682, \"grade\": \"B\", \"excluded\": null, \"penalties\": [{\"pp\": 0.135, \"reason\": \"APY swung 0.84-1.70% over 7 days\"}, {\"pp\": 0.21, \"reason\": \"oracle price $0.9979, 0.21% off the peg\"}, {\"pp\": 0.25, \"reason\": \"smaller issuer\"}], \"history_7d\": {\"n\": 35, \"avg\": 1.456, \"min\": 0.8375, \"max\": 1.6982, \"stdev\": 0.2692}, \"expected_earnings\": 15.79}, {\"protocol\": \"Aave V3\", \"chain_id\": 56, \"asset\": \"FDUSD\", \"underlying\": \"0xc5f0f7b66764F6ec8C8Dff7BA683102295E16409\", \"market\": \"0x75bd1A659bdC62e4C313950d44A2416faB43E785\", \"decimals\": 18, \"supply_apy\": 4.5657, \"borrow_apy\": 10.2575, \"utilization\": 91.4419, \"liquidity\": 45854.07, \"total_supplied\": 535795.88, \"price\": 0.99725, \"risk_adjusted_apy\": 0.5901, \"base_apy\": 3.9541, \"grade\": \"C\", \"excluded\": null, \"penalties\": [{\"pp\": 0.324, \"reason\": \"APY swung 3.01-5.02% over 7 days\"}, {\"pp\": 0.515, \"reason\": \"utilization 91.4%: exits depend on repayments\"}, {\"pp\": 2.0, \"reason\": \"position is 10.9% of withdrawable liquidity\"}, {\"pp\": 0.275, \"reason\": \"oracle price $0.9972, 0.28% off the peg\"}, {\"pp\": 0.25, \"reason\": \"smaller issuer\"}], \"history_7d\": {\"n\": 35, \"avg\": 3.3426, \"min\": 3.0102, \"max\": 5.0206, \"stdev\": 0.6483}, \"expected_earnings\": 56.29}, {\"protocol\": \"Venus\", \"chain_id\": 56, \"asset\": \"USDe\", \"underlying\": \"0x5d3a1Ff2b6BAb83b63cd9AD0787074081a52ef34\", \"market\": \"0x74ca6930108F775CC667894EEa33843e691680d7\", \"decimals\": 18, \"supply_apy\": 1.7696, \"borrow_apy\": 4.2767, \"utilization\": 55.847, \"liquidity\": 16364.94, \"total_supplied\": 37064.2, \"price\": 0.99881, \"risk_adjusted_apy\": -0.9791, \"base_apy\": 1.6779, \"grade\": \"C\", \"excluded\": null, \"penalties\": [{\"pp\": 0.057, \"reason\": \"APY swung 1.48-1.77% over 7 days\"}, {\"pp\": 2.0, \"reason\": \"position is 30.6% of withdrawable liquidity\"}, {\"pp\": 0.6, \"reason\": \"newer or synthetic dollar\"}], \"history_7d\": {\"n\": 35, \"avg\": 1.5862, \"min\": 1.4847, \"max\": 1.7696, \"stdev\": 0.1138}, \"expected_earnings\": 21.82}, {\"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\": 0.99753, \"risk_adjusted_apy\": -1.217, \"base_apy\": 0.0, \"grade\": null, \"excluded\": \"pays nothing: no borrow demand\", \"penalties\": [{\"pp\": 0.37, \"reason\": \"position is 1.8% of withdrawable liquidity\"}, {\"pp\": 0.247, \"reason\": \"oracle price $0.9975, 0.25% off the peg\"}, {\"pp\": 0.6, \"reason\": \"newer or synthetic dollar\"}], \"history_7d\": {\"n\": 35, \"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\": 0.0449, \"liquidity\": 817057.1, \"total_supplied\": 817204.48, \"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\": 35, \"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\": 0.99705, \"risk_adjusted_apy\": -2.995, \"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\": 0.295, \"reason\": \"oracle price $0.9971, 0.29% off the peg\"}, {\"pp\": 1.5, \"reason\": \"deprecated or thinly backed stablecoin\"}], \"history_7d\": {\"n\": 35, \"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 90 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\": 130942929, \"venus_comptroller\": \"0xfD36E2c2a6789Db23113685031d7F16329158384\", \"aave_v3_pool\": \"0x6807dc923806fE8Fd134338EABCA509979a7e0cB\", \"rpc\": \"https://bsc-rpc.publicnode.com\", \"read_at\": 1793488371}, \"agent_treasury\": {\"wallet\": \"0x6108C0076cF5997aCe0Ea0c92b7f90BC17243aba\", \"chain_id\": 97, \"positions\": {\"USDT\": {\"idle\": 0.0, \"supplied_to_venus\": 1455.32}, \"USDC\": {\"idle\": 0.0, \"supplied_to_venus\": 2025.16}, \"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=1684\", \"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 5,000 USDT on Venus: 4.33% APY (3.90% risk-adjusted, grade A), ahead of Aave V3 at 3.28%, about 53.35 USDT over 90 days at today's rate."}}