{"version":1,"job_id":1588,"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\": \"Compare current USDT and USDC supply rates on Venus, Lista DAO and PancakeSwap stable pools on BNB Chain. Read the rates on-chain or from each protocol’s own API, not from aggregators. Deliver a ranked table and one paragraph on which suits a 1,000 USDT deposit that may be withdrawn within a week.\\n\\nDone when:\\n- Every market has its rate, its source and the time it was read\\n- Rates are no older than 24 hours at delivery\\n- Withdrawal limits or lock-ups are stated for each market\\n\\nRejected if:\\n- A rate is estimated rather than read from the protocol\", \"asset\": \"USDT\", \"amount\": 1000.0, \"amount_stated\": true, \"horizon_days\": 365, \"risk_tolerance\": \"medium\", \"needs_instant_liquidity\": false, \"wallet\": null, \"read_by\": \"rules\"}, \"answer\": \"Swap 1,000 USDT into USDC and supply it on Venus: 4.01% APY (3.95% risk-adjusted), about 40.10 over 365 days, against 32.51 for USDT on Venus. The 0.69 pp edge covers an assumed 0.05% swap cost.\", \"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 (3.95%), with 81.7% utilization and 6,697,728 USDC withdrawable today.\", \"watch\": [\"Supply APYs move with borrow demand every block.\", \"Utilization above 85% would start to slow withdrawals (now 81.7%).\"], \"by\": \"template\"}, \"recommendation\": {\"protocol\": \"Venus\", \"market\": \"0xecA88125a5ADbe82614ffC12D0DB554E2e2867C8\", \"asset\": \"USDC\", \"supply_apy\": 4.0102, \"risk_adjusted_apy\": 3.9494, \"grade\": \"A\", \"expected_earnings\": 40.1, \"penalties\": [{\"pp\": 0.072, \"reason\": \"APY swung 3.75-4.13% over 7 days\"}]}, \"markets\": [{\"protocol\": \"Venus\", \"chain_id\": 56, \"asset\": \"USDC\", \"underlying\": \"0x8AC76a51cc950d9822D68b83fE1Ad97B32Cd580d\", \"market\": \"0xecA88125a5ADbe82614ffC12D0DB554E2e2867C8\", \"decimals\": 18, \"supply_apy\": 4.0102, \"borrow_apy\": 5.4934, \"utilization\": 81.691, \"liquidity\": 6697728.24, \"total_supplied\": 36581504.66, \"price\": 0.99986, \"risk_adjusted_apy\": 3.9494, \"base_apy\": 4.0214, \"grade\": \"A\", \"excluded\": null, \"penalties\": [{\"pp\": 0.072, \"reason\": \"APY swung 3.75-4.13% over 7 days\"}], \"history_7d\": {\"n\": 5, \"avg\": 4.0327, \"min\": 3.7475, \"max\": 4.1321, \"stdev\": 0.1433}, \"expected_earnings\": 40.1}, {\"protocol\": \"Venus\", \"chain_id\": 56, \"asset\": \"USDT\", \"underlying\": \"0x55d398326f99059fF775485246999027B3197955\", \"market\": \"0xfD5840Cd36d94D7229439859C0112a4185BC0255\", \"decimals\": 18, \"supply_apy\": 3.2511, \"borrow_apy\": 4.9423, \"utilization\": 73.6895, \"liquidity\": 48579151.12, \"total_supplied\": 184637523.63, \"price\": 0.99918, \"risk_adjusted_apy\": 3.2544, \"base_apy\": 3.2984, \"grade\": \"A\", \"excluded\": null, \"penalties\": [{\"pp\": 0.044, \"reason\": \"APY swung 3.26-3.45% over 7 days\"}], \"history_7d\": {\"n\": 5, \"avg\": 3.3457, \"min\": 3.258, \"max\": 3.4537, \"stdev\": 0.0878}, \"expected_earnings\": 32.51}, {\"protocol\": \"Aave V3\", \"chain_id\": 56, \"asset\": \"USDC\", \"underlying\": \"0x8AC76a51cc950d9822D68b83fE1Ad97B32Cd580d\", \"market\": \"0x00901a076785e0906d1028c7d6372d247bec7d61\", \"decimals\": 18, \"supply_apy\": 3.2691, \"borrow_apy\": 4.3181, \"utilization\": 84.5392, \"liquidity\": 2123597.19, \"total_supplied\": 13735388.7, \"price\": 0.99981, \"risk_adjusted_apy\": 3.2454, \"base_apy\": 3.2514, \"grade\": \"A\", \"excluded\": null, \"penalties\": [{\"pp\": 0.006, \"reason\": \"APY swung 3.22-3.25% over 7 days\"}], \"history_7d\": {\"n\": 5, \"avg\": 3.2336, \"min\": 3.2215, \"max\": 3.2541, \"stdev\": 0.0111}, \"expected_earnings\": 32.69}, {\"protocol\": \"Aave V3\", \"chain_id\": 56, \"asset\": \"USDT\", \"underlying\": \"0x55d398326f99059fF775485246999027B3197955\", \"market\": \"0xa9251ca9DE909CB71783723713B21E4233fbf1B1\", \"decimals\": 18, \"supply_apy\": 3.0728, \"borrow_apy\": 4.1857, \"utilization\": 82.0064, \"liquidity\": 11802185.58, \"total_supplied\": 65591159.9, \"price\": 0.99921, \"risk_adjusted_apy\": 3.085, \"base_apy\": 3.085, \"grade\": \"A\", \"excluded\": null, \"penalties\": [], \"history_7d\": {\"n\": 5, \"avg\": 3.0972, \"min\": 3.0927, \"max\": 3.1014, \"stdev\": 0.0036}, \"expected_earnings\": 30.73}, {\"protocol\": \"Venus\", \"chain_id\": 56, \"asset\": \"FDUSD\", \"underlying\": \"0xc5f0f7b66764F6ec8C8Dff7BA683102295E16409\", \"market\": \"0xC4eF4229FEc74Ccfe17B2bdeF7715fAC740BA0ba\", \"decimals\": 18, \"supply_apy\": 3.3651, \"borrow_apy\": 6.2511, \"utilization\": 60.6465, \"liquidity\": 2139007.74, \"total_supplied\": 5435352.72, \"price\": 0.99769, \"risk_adjusted_apy\": 2.6292, \"base_apy\": 3.1952, \"grade\": \"B\", \"excluded\": null, \"penalties\": [{\"pp\": 0.085, \"reason\": \"APY swung 2.94-3.36% over 7 days\"}, {\"pp\": 0.231, \"reason\": \"oracle price $0.9977, 0.23% off the peg\"}, {\"pp\": 0.25, \"reason\": \"smaller issuer\"}], \"history_7d\": {\"n\": 5, \"avg\": 3.0253, \"min\": 2.9401, \"max\": 3.3639, \"stdev\": 0.1693}, \"expected_earnings\": 33.65}, {\"protocol\": \"Venus\", \"chain_id\": 56, \"asset\": \"DAI\", \"underlying\": \"0x1AF3F329e8BE154074D8769D1FFa4eE058B1DBc3\", \"market\": \"0x334b3eCB4DCa3593BCCC3c7EBD1A1C1d1780FBF1\", \"decimals\": 18, \"supply_apy\": 2.7388, \"borrow_apy\": 5.6314, \"utilization\": 54.7958, \"liquidity\": 725428.26, \"total_supplied\": 1604778.45, \"price\": 1.00014, \"risk_adjusted_apy\": 2.3352, \"base_apy\": 2.5852, \"grade\": \"A\", \"excluded\": null, \"penalties\": [{\"pp\": 0.25, \"reason\": \"smaller issuer\"}], \"history_7d\": {\"n\": 5, \"avg\": 2.4317, \"min\": 2.4311, \"max\": 2.4322, \"stdev\": 0.0004}, \"expected_earnings\": 27.39}, {\"protocol\": \"Venus\", \"chain_id\": 56, \"asset\": \"USD1\", \"underlying\": \"0x8d0D000Ee44948FC98c9B98A4FA4921476f08B0d\", \"market\": \"0x0C1DA220D301155b87318B90692Da8dc43B67340\", \"decimals\": 18, \"supply_apy\": 1.6846, \"borrow_apy\": 4.8322, \"utilization\": 47.1988, \"liquidity\": 507476.66, \"total_supplied\": 961107.87, \"price\": 0.99859, \"risk_adjusted_apy\": 1.4344, \"base_apy\": 1.6844, \"grade\": \"A\", \"excluded\": null, \"penalties\": [{\"pp\": 0.25, \"reason\": \"smaller issuer\"}], \"history_7d\": {\"n\": 5, \"avg\": 1.6842, \"min\": 1.6838, \"max\": 1.6846, \"stdev\": 0.0003}, \"expected_earnings\": 16.85}, {\"protocol\": \"Venus\", \"chain_id\": 56, \"asset\": \"U\", \"underlying\": \"0xcE24439F2D9C6a2289F741120FE202248B666666\", \"market\": \"0x3d5E269787d562b74aCC55F18Bd26C5D09Fa245E\", \"decimals\": 18, \"supply_apy\": 1.9591, \"borrow_apy\": 3.7384, \"utilization\": 58.7335, \"liquidity\": 13577001.58, \"total_supplied\": 32900715.46, \"price\": 0.99928, \"risk_adjusted_apy\": 1.3599, \"base_apy\": 1.9599, \"grade\": \"B\", \"excluded\": null, \"penalties\": [{\"pp\": 0.6, \"reason\": \"newer or synthetic dollar\"}], \"history_7d\": {\"n\": 5, \"avg\": 1.9607, \"min\": 1.9592, \"max\": 1.9623, \"stdev\": 0.0012}, \"expected_earnings\": 19.59}, {\"protocol\": \"Aave V3\", \"chain_id\": 56, \"asset\": \"FDUSD\", \"underlying\": \"0xc5f0f7b66764F6ec8C8Dff7BA683102295E16409\", \"market\": \"0x75bd1A659bdC62e4C313950d44A2416faB43E785\", \"decimals\": 18, \"supply_apy\": 1.7419, \"borrow_apy\": 3.9957, \"utilization\": 88.1542, \"liquidity\": 65895.3, \"total_supplied\": 556277.36, \"price\": 0.99769, \"risk_adjusted_apy\": 0.7049, \"base_apy\": 1.7419, \"grade\": \"C\", \"excluded\": null, \"penalties\": [{\"pp\": 0.252, \"reason\": \"utilization 88.2%: exits depend on repayments\"}, {\"pp\": 0.304, \"reason\": \"position is 1.5% of withdrawable liquidity\"}, {\"pp\": 0.231, \"reason\": \"oracle price $0.9977, 0.23% off the peg\"}, {\"pp\": 0.25, \"reason\": \"smaller issuer\"}], \"history_7d\": {\"n\": 5, \"avg\": 1.7419, \"min\": 1.7419, \"max\": 1.7419, \"stdev\": 0.0}, \"expected_earnings\": 17.42}, {\"protocol\": \"Venus\", \"chain_id\": 56, \"asset\": \"USDe\", \"underlying\": \"0x5d3a1Ff2b6BAb83b63cd9AD0787074081a52ef34\", \"market\": \"0x74ca6930108F775CC667894EEa33843e691680d7\", \"decimals\": 18, \"supply_apy\": 1.4922, \"borrow_apy\": 3.9232, \"utilization\": 51.3175, \"liquidity\": 18047.07, \"total_supplied\": 37070.98, \"price\": 0.99921, \"risk_adjusted_apy\": -0.216, \"base_apy\": 1.492, \"grade\": \"C\", \"excluded\": null, \"penalties\": [{\"pp\": 1.108, \"reason\": \"position is 5.5% of withdrawable liquidity\"}, {\"pp\": 0.6, \"reason\": \"newer or synthetic dollar\"}], \"history_7d\": {\"n\": 5, \"avg\": 1.4919, \"min\": 1.4915, \"max\": 1.4922, \"stdev\": 0.0003}, \"expected_earnings\": 14.92}, {\"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\": 0.99796, \"risk_adjusted_apy\": -0.804, \"base_apy\": 0.0, \"grade\": null, \"excluded\": \"pays nothing: no borrow demand\", \"penalties\": [{\"pp\": 0.204, \"reason\": \"oracle price $0.9980, 0.20% off the peg\"}, {\"pp\": 0.6, \"reason\": \"newer or synthetic dollar\"}], \"history_7d\": {\"n\": 5, \"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\": 817106.28, \"total_supplied\": 817253.67, \"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\": 5, \"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\": 50.4223, \"liquidity\": 4849.03, \"total_supplied\": 9780.67, \"price\": 0.99875, \"risk_adjusted_apy\": -3.5, \"base_apy\": 0.0, \"grade\": null, \"excluded\": \"pays nothing: no borrow demand\", \"penalties\": [{\"pp\": 2.0, \"reason\": \"position is 20.6% of withdrawable liquidity\"}, {\"pp\": 1.5, \"reason\": \"deprecated or thinly backed stablecoin\"}], \"history_7d\": {\"n\": 5, \"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\": 128995047, \"venus_comptroller\": \"0xfD36E2c2a6789Db23113685031d7F16329158384\", \"aave_v3_pool\": \"0x6807dc923806fE8Fd134338EABCA509979a7e0cB\", \"rpc\": \"https://bsc-rpc.publicnode.com\", \"read_at\": 1792611375}, \"agent_treasury\": {\"wallet\": \"0x6108C0076cF5997aCe0Ea0c92b7f90BC17243aba\", \"chain_id\": 97, \"positions\": {\"USDT\": {\"idle\": 0.0, \"supplied_to_venus\": 492.72}, \"USDC\": {\"idle\": 0.0, \"supplied_to_venus\": 598.3}, \"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=1588\", \"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":"Swap 1,000 USDT into USDC and supply it on Venus: 4.01% APY (3.95% risk-adjusted), about 40.10 over 365 days, against 32.51 for USDT on Venus. The 0.69 pp edge covers an assumed 0.05% swap cost."}}