{"version":1,"job_id":1661,"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\": \"Produce a monitoring report for the available BNB Chain yield opportunities. Include net yield, fees, liquidity, lockups and protocol risk, the warning thresholds to watch, and why the recommended route is preferable to the alternatives. Do not execute transactions.\", \"asset\": null, \"amount\": 1000.0, \"amount_stated\": false, \"horizon_days\": 365, \"risk_tolerance\": \"medium\", \"needs_instant_liquidity\": false, \"wallet\": null, \"read_by\": \"rules\"}, \"answer\": \"Supply 1,000 USDC on Venus: 4.88% APY (4.43% risk-adjusted, grade B), ahead of Aave V3 at 3.30%, about 48.82 USDC over 365 days at today's rate.\", \"analyst_note\": {\"headline\": \"Best risk-adjusted home: Venus USDC.\", \"note\": \"Compared 13 stablecoin markets on Venus and Aave V3; 8 pass a medium-risk filter for this amount. Venus USDC ranks first on risk-adjusted APY (4.43%), with 86.5% utilization and 4,769,264 USDC withdrawable today.\", \"watch\": [\"Supply APYs move with borrow demand every block.\", \"Utilization above 85% would start to slow withdrawals (now 86.5%).\"], \"by\": \"template\"}, \"recommendation\": {\"protocol\": \"Venus\", \"market\": \"0xecA88125a5ADbe82614ffC12D0DB554E2e2867C8\", \"asset\": \"USDC\", \"supply_apy\": 4.8821, \"risk_adjusted_apy\": 4.4321, \"grade\": \"B\", \"expected_earnings\": 48.82, \"penalties\": [{\"pp\": 0.187, \"reason\": \"APY swung 3.75-4.92% over 7 days\"}, {\"pp\": 0.12, \"reason\": \"utilization 86.5%: exits depend on repayments\"}]}, \"markets\": [{\"protocol\": \"Venus\", \"chain_id\": 56, \"asset\": \"USDC\", \"underlying\": \"0x8AC76a51cc950d9822D68b83fE1Ad97B32Cd580d\", \"market\": \"0xecA88125a5ADbe82614ffC12D0DB554E2e2867C8\", \"decimals\": 18, \"supply_apy\": 4.8821, \"borrow_apy\": 6.3142, \"utilization\": 86.4989, \"liquidity\": 4769264.11, \"total_supplied\": 35324854.11, \"price\": 0.9998, \"risk_adjusted_apy\": 4.4321, \"base_apy\": 4.7391, \"grade\": \"B\", \"excluded\": null, \"penalties\": [{\"pp\": 0.187, \"reason\": \"APY swung 3.75-4.92% over 7 days\"}, {\"pp\": 0.12, \"reason\": \"utilization 86.5%: exits depend on repayments\"}], \"history_7d\": {\"n\": 28, \"avg\": 4.596, \"min\": 3.7475, \"max\": 4.9168, \"stdev\": 0.3738}, \"expected_earnings\": 48.82}, {\"protocol\": \"Venus\", \"chain_id\": 56, \"asset\": \"USDT\", \"underlying\": \"0x55d398326f99059fF775485246999027B3197955\", \"market\": \"0xfD5840Cd36d94D7229439859C0112a4185BC0255\", \"decimals\": 18, \"supply_apy\": 3.4624, \"borrow_apy\": 5.1013, \"utilization\": 76.0112, \"liquidity\": 43023736.19, \"total_supplied\": 179348194.2, \"price\": 0.99885, \"risk_adjusted_apy\": 3.3899, \"base_apy\": 3.4229, \"grade\": \"A\", \"excluded\": null, \"penalties\": [{\"pp\": 0.033, \"reason\": \"APY swung 3.25-3.46% over 7 days\"}], \"history_7d\": {\"n\": 28, \"avg\": 3.3834, \"min\": 3.251, \"max\": 3.4638, \"stdev\": 0.0651}, \"expected_earnings\": 34.62}, {\"protocol\": \"Aave V3\", \"chain_id\": 56, \"asset\": \"USDC\", \"underlying\": \"0x8AC76a51cc950d9822D68b83fE1Ad97B32Cd580d\", \"market\": \"0x00901a076785e0906d1028c7d6372d247bec7d61\", \"decimals\": 18, \"supply_apy\": 3.2962, \"borrow_apy\": 4.336, \"utilization\": 84.8828, \"liquidity\": 2067526.16, \"total_supplied\": 13676679.81, \"price\": 0.99983, \"risk_adjusted_apy\": 3.2757, \"base_apy\": 3.2877, \"grade\": \"A\", \"excluded\": null, \"penalties\": [{\"pp\": 0.012, \"reason\": \"APY swung 3.22-3.31% over 7 days\"}], \"history_7d\": {\"n\": 28, \"avg\": 3.2792, \"min\": 3.2215, \"max\": 3.3082, \"stdev\": 0.0244}, \"expected_earnings\": 32.96}, {\"protocol\": \"Aave V3\", \"chain_id\": 56, \"asset\": \"USDT\", \"underlying\": \"0x55d398326f99059fF775485246999027B3197955\", \"market\": \"0xa9251ca9DE909CB71783723713B21E4233fbf1B1\", \"decimals\": 18, \"supply_apy\": 3.0711, \"borrow_apy\": 4.1845, \"utilization\": 81.9842, \"liquidity\": 11642975.05, \"total_supplied\": 64626334.79, \"price\": 0.99882, \"risk_adjusted_apy\": 3.063, \"base_apy\": 3.076, \"grade\": \"A\", \"excluded\": null, \"penalties\": [{\"pp\": 0.013, \"reason\": \"APY swung 3.02-3.13% over 7 days\"}], \"history_7d\": {\"n\": 28, \"avg\": 3.0808, \"min\": 3.0215, \"max\": 3.1306, \"stdev\": 0.026}, \"expected_earnings\": 30.71}, {\"protocol\": \"Venus\", \"chain_id\": 56, \"asset\": \"DAI\", \"underlying\": \"0x1AF3F329e8BE154074D8769D1FFa4eE058B1DBc3\", \"market\": \"0x334b3eCB4DCa3593BCCC3c7EBD1A1C1d1780FBF1\", \"decimals\": 18, \"supply_apy\": 2.4338, \"borrow_apy\": 5.304, \"utilization\": 51.6961, \"liquidity\": 775170.11, \"total_supplied\": 1604778.8, \"price\": 1.00001, \"risk_adjusted_apy\": 2.1556, \"base_apy\": 2.4696, \"grade\": \"B\", \"excluded\": null, \"penalties\": [{\"pp\": 0.064, \"reason\": \"APY swung 2.42-2.87% over 7 days\"}, {\"pp\": 0.25, \"reason\": \"smaller issuer\"}], \"history_7d\": {\"n\": 28, \"avg\": 2.5055, \"min\": 2.4177, \"max\": 2.8669, \"stdev\": 0.1289}, \"expected_earnings\": 24.34}, {\"protocol\": \"Venus\", \"chain_id\": 56, \"asset\": \"FDUSD\", \"underlying\": \"0xc5f0f7b66764F6ec8C8Dff7BA683102295E16409\", \"market\": \"0xC4eF4229FEc74Ccfe17B2bdeF7715fAC740BA0ba\", \"decimals\": 18, \"supply_apy\": 2.6747, \"borrow_apy\": 5.564, \"utilization\": 54.163, \"liquidity\": 2791225.66, \"total_supplied\": 6089455.74, \"price\": 0.99674, \"risk_adjusted_apy\": 2.0564, \"base_apy\": 2.7714, \"grade\": \"B\", \"excluded\": null, \"penalties\": [{\"pp\": 0.139, \"reason\": \"APY swung 2.39-3.37% over 7 days\"}, {\"pp\": 0.326, \"reason\": \"oracle price $0.9967, 0.33% off the peg\"}, {\"pp\": 0.25, \"reason\": \"smaller issuer\"}], \"history_7d\": {\"n\": 28, \"avg\": 2.868, \"min\": 2.3878, \"max\": 3.3651, \"stdev\": 0.2789}, \"expected_earnings\": 26.75}, {\"protocol\": \"Venus\", \"chain_id\": 56, \"asset\": \"USD1\", \"underlying\": \"0x8d0D000Ee44948FC98c9B98A4FA4921476f08B0d\", \"market\": \"0x0C1DA220D301155b87318B90692Da8dc43B67340\", \"decimals\": 18, \"supply_apy\": 1.6982, \"borrow_apy\": 4.8517, \"utilization\": 47.3905, \"liquidity\": 505729.88, \"total_supplied\": 961286.61, \"price\": 0.99864, \"risk_adjusted_apy\": 1.4415, \"base_apy\": 1.6915, \"grade\": \"A\", \"excluded\": null, \"penalties\": [{\"pp\": 0.25, \"reason\": \"smaller issuer\"}], \"history_7d\": {\"n\": 28, \"avg\": 1.6847, \"min\": 1.6837, \"max\": 1.6856, \"stdev\": 0.0006}, \"expected_earnings\": 16.98}, {\"protocol\": \"Venus\", \"chain_id\": 56, \"asset\": \"U\", \"underlying\": \"0xcE24439F2D9C6a2289F741120FE202248B666666\", \"market\": \"0x3d5E269787d562b74aCC55F18Bd26C5D09Fa245E\", \"decimals\": 18, \"supply_apy\": 1.9341, \"borrow_apy\": 3.7141, \"utilization\": 58.3646, \"liquidity\": 13675477.99, \"total_supplied\": 32845802.3, \"price\": 0.999, \"risk_adjusted_apy\": 1.3321, \"base_apy\": 1.9381, \"grade\": \"B\", \"excluded\": null, \"penalties\": [{\"pp\": 0.006, \"reason\": \"APY swung 1.92-1.96% over 7 days\"}, {\"pp\": 0.6, \"reason\": \"newer or synthetic dollar\"}], \"history_7d\": {\"n\": 28, \"avg\": 1.9421, \"min\": 1.9221, \"max\": 1.9623, \"stdev\": 0.0124}, \"expected_earnings\": 19.34}, {\"protocol\": \"Aave V3\", \"chain_id\": 56, \"asset\": \"FDUSD\", \"underlying\": \"0xc5f0f7b66764F6ec8C8Dff7BA683102295E16409\", \"market\": \"0x75bd1A659bdC62e4C313950d44A2416faB43E785\", \"decimals\": 18, \"supply_apy\": 3.0102, \"borrow_apy\": 6.7632, \"utilization\": 90.6359, \"liquidity\": 50686.32, \"total_supplied\": 541285.53, \"price\": 0.99674, \"risk_adjusted_apy\": 0.8227, \"base_apy\": 2.4667, \"grade\": \"C\", \"excluded\": null, \"penalties\": [{\"pp\": 0.222, \"reason\": \"APY swung 1.74-3.01% over 7 days\"}, {\"pp\": 0.451, \"reason\": \"utilization 90.6%: exits depend on repayments\"}, {\"pp\": 0.395, \"reason\": \"position is 2.0% of withdrawable liquidity\"}, {\"pp\": 0.326, \"reason\": \"oracle price $0.9967, 0.33% off the peg\"}, {\"pp\": 0.25, \"reason\": \"smaller issuer\"}], \"history_7d\": {\"n\": 28, \"avg\": 1.9231, \"min\": 1.7419, \"max\": 3.0102, \"stdev\": 0.4438}, \"expected_earnings\": 30.1}, {\"protocol\": \"Venus\", \"chain_id\": 56, \"asset\": \"USDe\", \"underlying\": \"0x5d3a1Ff2b6BAb83b63cd9AD0787074081a52ef34\", \"market\": \"0x74ca6930108F775CC667894EEa33843e691680d7\", \"decimals\": 18, \"supply_apy\": 1.4931, \"borrow_apy\": 3.9242, \"utilization\": 51.3358, \"liquidity\": 18041.94, \"total_supplied\": 37074.38, \"price\": 0.99882, \"risk_adjusted_apy\": -0.2163, \"base_apy\": 1.4927, \"grade\": \"C\", \"excluded\": null, \"penalties\": [{\"pp\": 1.109, \"reason\": \"position is 5.5% of withdrawable liquidity\"}, {\"pp\": 0.6, \"reason\": \"newer or synthetic dollar\"}], \"history_7d\": {\"n\": 28, \"avg\": 1.4924, \"min\": 1.4915, \"max\": 1.4932, \"stdev\": 0.0004}, \"expected_earnings\": 14.93}, {\"protocol\": \"Venus\", \"chain_id\": 56, \"asset\": \"lisUSD\", \"underlying\": \"0x0782b6d8c4551B9760e74c0545a9bCD90bdc41E5\", \"market\": \"0x689E0daB47Ab16bcae87Ec18491692BF621Dc6Ab\", \"decimals\": 18, \"supply_apy\": 0.0, \"borrow_apy\": 0.0, \"utilization\": 24.9028, \"liquidity\": 268225.12, \"total_supplied\": 357170.58, \"price\": 0.99747, \"risk_adjusted_apy\": -0.853, \"base_apy\": 0.0, \"grade\": null, \"excluded\": \"pays nothing: no borrow demand\", \"penalties\": [{\"pp\": 0.253, \"reason\": \"oracle price $0.9975, 0.25% off the peg\"}, {\"pp\": 0.6, \"reason\": \"newer or synthetic dollar\"}], \"history_7d\": {\"n\": 28, \"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\": 817085.66, \"total_supplied\": 817233.05, \"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\": 28, \"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\": 4929.59, \"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\": 28, \"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 365 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\": 129697264, \"venus_comptroller\": \"0xfD36E2c2a6789Db23113685031d7F16329158384\", \"aave_v3_pool\": \"0x6807dc923806fE8Fd134338EABCA509979a7e0cB\", \"rpc\": \"https://bsc-rpc.publicnode.com\", \"read_at\": 1792927525}, \"agent_treasury\": {\"wallet\": \"0x6108C0076cF5997aCe0Ea0c92b7f90BC17243aba\", \"chain_id\": 97, \"positions\": {\"USDT\": {\"idle\": 0.0, \"supplied_to_venus\": 733.2}, \"USDC\": {\"idle\": 0.0, \"supplied_to_venus\": 991.67}, \"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=1661\", \"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 USDC on Venus: 4.88% APY (4.43% risk-adjusted, grade B), ahead of Aave V3 at 3.30%, about 48.82 USDC over 365 days at today's rate."}}