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Fee changes and new allocators can take effect at once. New markets and higher caps wait 7 days. Withdrawals cannot be gated"],"createdAt":1787578259,"assetLogo":"https://cdn.morpho.org/assets/logos/ausd.svg","healthFlags":["Part of the available liquidity, $1.1M, requires reallocation from other markets at a cost of up to 1%.","A single key, not a multisig, holds the owner and curator roles of this vault. Fee changes and new allocators can take effect at once. New markets and higher caps wait 7 days. 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The market moves to the backup only after the two prices differ by more than 1% and a 4-hour public challenge"],"healthFactor":{"score":64,"rawScore":70,"tier":"Fair","rawTier":"Solid","cappedByMaturity":true,"ageTier":"Fair","ageReason":"new","protocolName":"Morpho","unit":"market","factors":{"liquidity":{"score":78.3372,"baseWeight":0.35,"note":"$2.8M available","detail":"$2,819,490 available. $300k scores 40 and $10M or more scores 100."},"stability":{"score":66.2217,"baseWeight":0.3,"note":"Rate: range 29% of the average","readings":[{"label":"Rate","value":"range 29% of the average","score":66,"decisive":true},{"label":"Deposits","value":"at this week's high","score":100,"decisive":false},{"label":"Available liquidity","value":"this week's low, $2.2M, was 8% below the usual level","score":73,"decisive":false}]},"size":{"score":67.9669,"baseWeight":0.2,"note":"$25.7M TVL","detail":"$25,665,561 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":61,"baseWeight":0.15,"note":"PT-USDat-14JAN2027: Pharos safety grade C+ (61/100)"}},"liquidationLtvPct":91.5,"apySeries":[10.1856,9.1112,9.1854,9.5313,7.9454,7.6572,8.1622,7.8695],"historyLatestPct":7.182},"spotRatePct":7.182,"spotBorrowRatePct":7.1293,"rateBasis":"7d","rateDays":7,"borrowRateBasis":"7d"},{"name":"KPK USDC Yield","type":"Vault","asset":"USDC","chain":1,"address":"0xd5cce260e7a755ddf0fb9cdf06443d593aaeaa13","url":"https://app.morpho.org/ethereum/vault/0xD5cCe260E7a755DDf0Fb9cdF06443d593AaeaA13","ratePct":6.85197142857143,"avgRatePct":6.6302,"rewardApyPct":0.20224716908007603,"rewardIncluded":true,"rewardTokens":["USDC"],"tvlUsd":13394476,"liquidityUsd":1757551,"feePct":0,"listed":true,"warnings":[],"createdAt":1767097859,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":5168357,"healthFlags":[],"healthFactor":{"score":71,"rawScore":71.1,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":70.2501,"baseWeight":0.35,"note":"$1.8M pro-rata","detail":"$1,757,551 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $5,168,357 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":71.5029,"baseWeight":0.3,"note":"Rate: range 22% of the average","readings":[{"label":"Rate","value":"range 22% of the average","score":72,"decisive":true},{"label":"Deposits","value":"1% below this week's high","score":93,"decisive":false}]},"size":{"score":59.4941,"baseWeight":0.2,"note":"$13.4M TVL","detail":"$13,394,476 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[6.3677,6.3523,6.5424,6.6899,6.4633,6.5189,7.5358,7.8612],"historyLatestPct":7.1404},"spotRatePct":7.1471,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"USDC / PT-USD3-17DEC2026","type":"Market","asset":"USDC","chain":1,"collateral":"PT-USD3-17DEC2026","marketId":"0xf8c5aa31ea6b2a068a9eddb46dd110cae57bf0f12be9583a3f9a818effecba89","url":"https://app.morpho.org/ethereum/variable/0xf8c5aa31ea6b2a068a9eddb46dd110cae57bf0f12be9583a3f9a818effecba89","ratePct":7.617514285714286,"avgRatePct":8.3004,"rewardApyPct":0.7152434929901694,"rewardIncluded":true,"rewardTokens":["USDC"],"borrowRatePct":8.014971428571428,"borrowInterestPct":null,"borrowRewardPct":null,"tvlUsd":27952997,"liquidityUsd":4160703,"utilizationPct":85.11535991741464,"listed":true,"warnings":[],"createdAt":1780580459,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidationLtvPct":86,"healthFlags":[],"healthFactor":{"score":70,"rawScore":69.9,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"market","factors":{"liquidity":{"score":84.9955,"baseWeight":0.35,"note":"$4.2M available","detail":"$4,160,703 available. $300k scores 40 and $10M or more scores 100."},"stability":{"score":55.7359,"baseWeight":0.3,"note":"Available liquidity: this week's low, $2.6M, was 40% below the usual level","readings":[{"label":"Rate","value":"range 26% of the average","score":69,"decisive":false},{"label":"Deposits","value":"1% below this week's high","score":84,"decisive":false},{"label":"Available liquidity","value":"this week's low, $2.6M, was 40% below the usual level","score":56,"decisive":true}]},"size":{"score":69.0792,"baseWeight":0.2,"note":"$28.0M TVL","detail":"$27,952,997 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":64,"baseWeight":0.15,"note":"PT-USD3-17DEC2026: Pharos safety grade C+ (64/100)"}},"liquidationLtvPct":86,"apySeries":[7.431,8.9172,7.0792,7.9267,7.7771,7.4333,7.2308,6.9583],"historyLatestPct":7.0919},"spotRatePct":7.0919,"spotBorrowRatePct":7.5329,"rateBasis":"7d","rateDays":7,"borrowRateBasis":"7d"},{"name":"Hyperithm USDC Apex","type":"Vault","asset":"USDC","chain":143,"address":"0x78999cc96d2ba0341588c60ccb0e91c6c33cf371","url":"https://app.morpho.org/monad/vault/0x78999cc96d2Ba0341588C60CcB0E91c6C33CF371","ratePct":7.285742857142856,"avgRatePct":7.8552,"rewardApyPct":0.8854883688019497,"rewardIncluded":true,"rewardTokens":["WMON"],"tvlUsd":51488800,"liquidityUsd":7606072,"feePct":5,"listed":true,"warnings":["A single key, not a multisig, holds the curator role of this vault. A multisig holds the owner role. Fee changes and new allocators can take effect at once. New markets and higher caps wait 3 days. Withdrawals cannot be gated"],"createdAt":1767929586,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":9728111,"healthFlags":["A single key, not a multisig, holds the curator role of this vault. A multisig holds the owner role. Fee changes and new allocators can take effect at once. New markets and higher caps wait 3 days. Withdrawals cannot be gated"],"healthFactor":{"score":82,"rawScore":82.3,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":95.3178,"baseWeight":0.35,"note":"$7.6M pro-rata","detail":"$7,606,072 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $9,728,111 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":67.9115,"baseWeight":0.3,"note":"Deposits: 4% below this week's high","readings":[{"label":"Rate","value":"range 10% of the average","score":86,"decisive":false},{"label":"Deposits","value":"4% below this week's high","score":68,"decisive":true}]},"size":{"score":77.0377,"baseWeight":0.2,"note":"$51.5M TVL","detail":"$51,488,800 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[7.7402,7.0457,7.2854,7.7541,7.1758,7.1381,7.3572,7.2439],"historyLatestPct":7.0711},"spotRatePct":7.0711,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"KPK USDC Yield","type":"Vault","asset":"USDC","chain":8453,"address":"0x392b3ccf36c8adb8094f45573346b457414cd752","url":"https://app.morpho.org/base/vault/0x392B3CCf36C8adB8094F45573346B457414cD752","ratePct":7.060285714285714,"avgRatePct":6.3812,"rewardApyPct":0.8048003676867902,"rewardIncluded":true,"rewardTokens":["USDC"],"tvlUsd":4957403,"liquidityUsd":469834,"feePct":0,"listed":true,"warnings":[],"createdAt":1787729523,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":1515924,"healthFlags":[],"healthFactor":{"score":64,"rawScore":66.6,"tier":"Fair","rawTier":"Solid","cappedByMaturity":true,"ageTier":"Fair","ageReason":"new","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":47.6758,"baseWeight":0.35,"note":"$469,834 pro-rata","detail":"$469,834 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $1,515,924 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":91.4689,"baseWeight":0.3,"note":"Rate: range 6% of the average","readings":[{"label":"Rate","value":"range 6% of the average","score":91,"decisive":true},{"label":"Deposits","value":"at this week's high","score":100,"decisive":false}]},"size":{"score":46.544,"baseWeight":0.2,"note":"$5.0M TVL","detail":"$4,957,403 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[7.1164,7.1588,7.1262,7.1171,7.0614,7.0316,6.75,7.1769],"historyLatestPct":7.059},"spotRatePct":7.059,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"Waterline Reservoir USDC","type":"Vault","asset":"USDC","chain":1,"address":"0xbeeff047c03714965a54b671a37c18bef6b96210","url":"https://app.morpho.org/ethereum/vault/0xBEeFF047C03714965a54b671A37C18beF6b96210","ratePct":7.338028571428572,"avgRatePct":6.9185,"rewardApyPct":1.2353203088489846,"rewardIncluded":true,"rewardTokens":["DAM"],"tvlUsd":13002805,"liquidityUsd":1575933,"feePct":5,"listed":true,"warnings":[],"createdAt":1769024663,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":1747978,"healthFlags":[],"healthFactor":{"score":71,"rawScore":71,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":68.3837,"baseWeight":0.35,"note":"$1.6M pro-rata","detail":"$1,575,933 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $1,747,978 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":73.6326,"baseWeight":0.3,"note":"Rate: range 19% of the average","readings":[{"label":"Rate","value":"range 19% of the average","score":74,"decisive":true},{"label":"Deposits","value":"2% below this week's high","score":74,"decisive":false}]},"size":{"score":59.1075,"baseWeight":0.2,"note":"$13.0M TVL","detail":"$13,002,805 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[6.8236,6.5135,7.9295,7.8396,7.4629,7.2939,7.216,7.1108],"historyLatestPct":7.0262},"spotRatePct":7.0262,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"USDC / mM1-USD","type":"Market","asset":"USDC","chain":1,"collateral":"mM1-USD","marketId":"0x4abde0597e71acc6d4dacd3d3edb2929e7289a40754a20eaeccaa66ff717be99","url":"https://app.morpho.org/ethereum/variable/0x4abde0597e71acc6d4dacd3d3edb2929e7289a40754a20eaeccaa66ff717be99","ratePct":7.101928571428571,"avgRatePct":7.4734,"rewardApyPct":null,"rewardIncluded":false,"borrowRatePct":8.144914285714288,"borrowInterestPct":null,"borrowRewardPct":null,"tvlUsd":8890879,"liquidityUsd":1104006,"utilizationPct":87.58271100760962,"listed":true,"warnings":[],"createdAt":1781801075,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidationLtvPct":86,"healthFlags":[],"healthFactor":{"score":69,"rawScore":68.7,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"market","factors":{"liquidity":{"score":62.294,"baseWeight":0.35,"note":"$1.1M available","detail":"$1,104,006 available. $300k scores 40 and $10M or more scores 100."},"stability":{"score":95.1969,"baseWeight":0.3,"note":"Available liquidity: this week's low, $1.1M, was 1% below the usual level","readings":[{"label":"Rate","value":"range 3% of the average","score":96,"decisive":false},{"label":"Deposits","value":"at this week's high","score":100,"decisive":false},{"label":"Available liquidity","value":"this week's low, $1.1M, was 1% below the usual level","score":95,"decisive":true}]},"size":{"score":54.1547,"baseWeight":0.2,"note":"$8.9M TVL","detail":"$8,890,879 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":50,"baseWeight":0.15,"neutral":true,"note":"mM1-USD: no Pharos grade, counted as 50"}},"liquidationLtvPct":86,"ungradedAsset":"mM1-USD","apySeries":[7.2024,7.1925,7.1523,7.1277,7.121,7.0678,7.0349,7.0173],"historyLatestPct":7.0083},"spotRatePct":7.0083,"spotBorrowRatePct":8.041,"rateBasis":"7d","rateDays":7,"borrowRateBasis":"7d"},{"name":"Api3 dCOMP USDC","type":"Vault","asset":"USDC","chain":1,"address":"0x36cfe1568461e499391ef0a555300f1ae2da2439","url":"https://app.morpho.org/ethereum/vault/0x36cfe1568461E499391ef0A555300F1ae2da2439","ratePct":7.078771428571429,"avgRatePct":7.2851,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":15300290,"liquidityUsd":1603699,"feePct":5,"listed":true,"warnings":[],"createdAt":1772394299,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":4841810,"healthFlags":[],"healthFactor":{"score":70,"rawScore":70.2,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":68.6826,"baseWeight":0.35,"note":"$1.6M pro-rata","detail":"$1,603,699 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $4,841,810 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":69.0374,"baseWeight":0.3,"note":"Deposits: 4% below this week's high","readings":[{"label":"Rate","value":"range 7% of the average","score":90,"decisive":false},{"label":"Deposits","value":"4% below this week's high","score":69,"decisive":true}]},"size":{"score":61.2274,"baseWeight":0.2,"note":"$15.3M TVL","detail":"$15,300,290 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[7.1838,7.391,7.1666,7.108,7.0711,6.8729,6.9442,6.9976],"historyLatestPct":6.8939},"spotRatePct":6.8939,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"Felix USDT0 V2","type":"Vault","asset":"USD₮0","chain":999,"address":"0x6ff35ae1bad0edc0cf354e0cd64f10e4d1726f57","url":"https://app.morpho.org/hyperevm/vault/0x6fF35ae1BAD0Edc0Cf354E0cd64f10e4D1726f57","ratePct":6.879842857142857,"avgRatePct":7.7975,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":4978372,"liquidityUsd":435901,"feePct":10,"listed":true,"warnings":[],"createdAt":1786474980,"assetLogo":"https://cdn.morpho.org/assets/logos/usdt0.svg","liquidityShownUsd":748423,"healthFlags":[],"healthFactor":{"score":54,"rawScore":53.8,"tier":"Fair","rawTier":"Fair","ageTier":"Fair","ageReason":"new","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":46.3932,"baseWeight":0.35,"note":"$435,901 pro-rata","detail":"$435,901 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $748,423 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":69.152,"baseWeight":0.3,"note":"Deposits: 4% below this week's high","readings":[{"label":"Rate","value":"range 10% of the average","score":86,"decisive":false},{"label":"Deposits","value":"4% below this week's high","score":69,"decisive":true}]},"size":{"score":46.599,"baseWeight":0.2,"note":"$5.0M TVL","detail":"$4,978,372 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":50,"baseWeight":0.15,"neutral":true,"note":"USD₮0: no Pharos grade, counted as 50"}},"liquidationLtvPct":null,"ungradedAsset":"USD₮0","apySeries":[6.7762,6.9353,6.8609,6.7919,6.8202,6.5709,7.2606,6.9191],"historyLatestPct":6.7498},"spotRatePct":6.7498,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"USDT / v-wmtUSDT","type":"Market","asset":"USDT","chain":1,"collateral":"v-wmtUSDT","marketId":"0x9396095980b6a44e2b57d237af84611c488b1d716ef01b4168005a9eb187f2c3","url":"https://app.morpho.org/ethereum/variable/0x9396095980b6a44e2b57d237af84611c488b1d716ef01b4168005a9eb187f2c3","ratePct":6.745414285714285,"avgRatePct":6.6709,"rewardApyPct":null,"rewardIncluded":false,"borrowRatePct":7.513128571428572,"borrowInterestPct":null,"borrowRewardPct":null,"tvlUsd":3522570,"liquidityUsd":349195,"utilizationPct":90.08693246618809,"listed":true,"warnings":[],"createdAt":1787568791,"assetLogo":"https://cdn.morpho.org/assets/logos/usdt.svg","liquidationLtvPct":86,"healthFlags":["90% utilisation"],"healthFactor":{"score":60,"rawScore":60.3,"tier":"Fair","rawTier":"Fair","ageTier":"Fair","ageReason":"new","protocolName":"Morpho","unit":"market","factors":{"liquidity":{"score":42.5982,"baseWeight":0.35,"note":"$349,195 available","detail":"$349,195 available. $300k scores 40 and $10M or more scores 100."},"stability":{"score":98.2152,"baseWeight":0.3,"note":"Available liquidity: never below the usual level","readings":[{"label":"Rate","value":"steady","score":99,"decisive":false},{"label":"Deposits","value":"at this week's high","score":100,"decisive":false},{"label":"Available liquidity","value":"never below the usual level","score":98,"decisive":true}]},"size":{"score":42.0922,"baseWeight":0.2,"note":"$3.5M TVL","detail":"$3,522,570 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":50,"baseWeight":0.15,"neutral":true,"note":"v-wmtUSDT: no Pharos grade, counted as 50"}},"liquidationLtvPct":86,"ungradedAsset":"v-wmtUSDT","apySeries":[6.7502,6.7552,6.7613,6.7471,6.7349,6.7373,6.7408,6.7413],"historyLatestPct":6.7352},"spotRatePct":6.7352,"spotBorrowRatePct":7.5035,"rateBasis":"7d","rateDays":7,"borrowRateBasis":"7d"},{"name":"RockawayX USDC Yield","type":"Vault","asset":"USDC","chain":1,"address":"0xe0181090c22579b6a217f1522cbf8c9f1f0c1965","url":"https://app.morpho.org/ethereum/vault/0xE0181090c22579B6A217f1522cbf8c9f1F0C1965","ratePct":6.548514285714284,"avgRatePct":7.1444,"rewardApyPct":0.5309703488516704,"rewardIncluded":true,"rewardTokens":["FXN"],"tvlUsd":21857247,"liquidityUsd":2680073,"feePct":5,"listed":true,"warnings":[],"createdAt":1774296635,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":16208104,"healthFlags":[],"healthFactor":{"score":76,"rawScore":75.9,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":77.4695,"baseWeight":0.35,"note":"$2.7M pro-rata","detail":"$2,680,073 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $16,208,104 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":74.6633,"baseWeight":0.3,"note":"Deposits: 2% below this week's high","readings":[{"label":"Rate","value":"range 14% of the average","score":80,"decisive":false},{"label":"Deposits","value":"2% below this week's high","score":75,"decisive":true}]},"size":{"score":65.8742,"baseWeight":0.2,"note":"$21.9M TVL","detail":"$21,857,247 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[6.3287,6.5982,6.7089,6.3673,6.2474,6.1611,6.6587,7.098],"historyLatestPct":6.6764},"spotRatePct":6.6764,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"M1 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Fee changes and new allocators can take effect at once. New markets and higher caps wait 3 days. Withdrawals cannot be gated"],"createdAt":1786742303,"assetLogo":"https://cdn.morpho.org/assets/logos/pyusd.svg","healthFlags":["Part of the available liquidity, $6.8M, requires reallocation from other markets at a cost of up to 1%.","A single key, not a multisig, holds the owner and curator roles of this vault. Fee changes and new allocators can take effect at once. New markets and higher caps wait 3 days. Withdrawals cannot be gated"],"healthFactor":{"score":64,"rawScore":81.5,"tier":"Fair","rawTier":"Solid","cappedByMaturity":true,"ageTier":"Fair","ageReason":"new","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":100,"baseWeight":0.35,"note":"$11.7M available","detail":"$11,667,764 available. $300k scores 40 and $10M or more scores 100."},"stability":{"score":64.9906,"baseWeight":0.3,"note":"Deposits: 5% below this week's high","readings":[{"label":"Rate","value":"range 7% of the average","score":91,"decisive":false},{"label":"Deposits","value":"5% below this week's high","score":65,"decisive":true}]},"size":{"score":81.0509,"baseWeight":0.2,"note":"$70.1M TVL","detail":"$70,062,600 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":72,"baseWeight":0.15,"note":"PYUSD: Pharos safety grade B (72/100)"}},"liquidationLtvPct":null,"apySeries":[6.997,6.9942,7.0023,6.9684,6.9342,7.0063,6.9131,6.5466],"historyLatestPct":6.5672},"spotRatePct":6.5672,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"Gauntlet USDG Premium","type":"Vault","asset":"USDG","chain":42161,"address":"0x390c1bb01f3f627144a40617e287d4ce3d5abcfa","url":"https://app.morpho.org/arbitrum/vault/0x390c1bb01F3F627144a40617e287d4cE3D5aBCfa","ratePct":8.010928571428572,"avgRatePct":null,"rewardApyPct":2.021043381056845,"rewardIncluded":true,"rewardTokens":["ARB"],"tvlUsd":25519851,"liquidityUsd":1766190,"feePct":10,"listed":true,"warnings":[],"createdAt":1790894245,"assetLogo":"https://cdn.morpho.org/assets/logos/usdg.svg","liquidityShownUsd":2336351,"healthFlags":[],"healthFactor":{"score":64,"rawScore":78.6,"tier":"Fair","rawTier":"Solid","cappedByMaturity":true,"ageTier":"Fair","ageReason":"new","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":70.334,"baseWeight":0.35,"note":"$1.8M pro-rata","detail":"$1,766,190 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. 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Morpho reports $9,619,387 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":77.191,"baseWeight":0.3,"note":"Rate: range 16% of the average","readings":[{"label":"Rate","value":"range 16% of the average","score":77,"decisive":true},{"label":"Deposits","value":"2% below this week's high","score":82,"decisive":false}]},"size":{"score":56.001,"baseWeight":0.2,"note":"$10.2M TVL","detail":"$10,244,435 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[6.8118,7.2815,6.631,6.9091,6.7092,6.299,6.4435,6.2058],"historyLatestPct":6.1984},"spotRatePct":6.1984,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"USDC / WHYPE","type":"Market","asset":"USDC","chain":999,"collateral":"WHYPE","marketId":"0xd7d38220652d19c87099c3b23de9a70a1893620a050c635d1a94bd947c9c59a8","url":"https://app.morpho.org/hyperevm/variable/0xd7d38220652d19c87099c3b23de9a70a1893620a050c635d1a94bd947c9c59a8","ratePct":4.340771428571428,"avgRatePct":4.7109,"rewardApyPct":null,"rewardIncluded":false,"borrowRatePct":5.112485714285714,"borrowInterestPct":null,"borrowRewardPct":null,"tvlUsd":8779687,"liquidityUsd":786997,"utilizationPct":91.03615851535635,"listed":true,"warnings":[],"createdAt":1764607320,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidationLtvPct":77,"healthFlags":["91% utilisation","Deposits down 14% this week"],"healthFactor":{"score":51,"rawScore":51,"tier":"Fair","rawTier":"Fair","ageTier":"Strong","protocolName":"Morpho","unit":"market","factors":{"liquidity":{"score":56.5024,"baseWeight":0.35,"note":"$786,997 available","detail":"$786,997 available. $300k scores 40 and $10M or more scores 100."},"stability":{"score":42.9914,"baseWeight":0.3,"note":"Deposits: 14% below this week's high","readings":[{"label":"Rate","value":"range 17% of the average","score":75,"decisive":false},{"label":"Deposits","value":"14% below this week's high","score":43,"decisive":true},{"label":"Available liquidity","value":"this week's low, $786,997, was 49% below the usual level","score":51,"decisive":false}]},"size":{"score":53.9907,"baseWeight":0.2,"note":"$8.8M TVL","detail":"$8,779,687 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":50,"baseWeight":0.15,"neutral":true,"note":"WHYPE: no Pharos grade, counted as 50"}},"liquidationLtvPct":77,"ungradedAsset":"WHYPE","apySeries":[4.2697,4.2298,4.2048,4.0466,4.1766,4.1857,4.7373,4.8046],"historyLatestPct":6.1932},"spotRatePct":6.1932,"spotBorrowRatePct":6.8234,"rateBasis":"7d","rateDays":7,"borrowRateBasis":"7d"},{"name":"Clearstar cbAssets Vault","type":"Vault","asset":"USDC","chain":8453,"address":"0x91c056b6d4311a743614fbc03ac32d4e6a2d3a3c","url":"https://app.morpho.org/base/vault/0x91C056B6d4311a743614FBc03ac32d4E6A2d3a3c","ratePct":6.082928571428573,"avgRatePct":5.8707,"rewardApyPct":1.799999999664438,"rewardIncluded":true,"rewardTokens":["USDC"],"tvlUsd":38077093,"liquidityUsd":4277463,"feePct":10,"listed":true,"warnings":[],"createdAt":1769074507,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":27374062,"healthFlags":[],"healthFactor":{"score":80,"rawScore":80.2,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":85.4691,"baseWeight":0.35,"note":"$4.3M pro-rata","detail":"$4,277,463 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $27,374,062 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":74.909,"baseWeight":0.3,"note":"Deposits: 2% below this week's high","readings":[{"label":"Rate","value":"range 3% of the average","score":96,"decisive":false},{"label":"Deposits","value":"2% below this week's high","score":75,"decisive":true}]},"size":{"score":73.1063,"baseWeight":0.2,"note":"$38.1M TVL","detail":"$38,077,093 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[6.0933,6.0287,6.0584,6.1733,6.1348,6.143,6.0615,5.9808],"historyLatestPct":6.1561},"spotRatePct":6.1561,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"Pendle Ecosystem USDC","type":"Vault","asset":"USDC","chain":1,"address":"0x55c1b6e461a6334b567baf0feb5d728715446f05","url":"https://app.morpho.org/ethereum/vault/0x55C1B6e461a6334B567bAF0FEb5D728715446f05","ratePct":6.732342857142856,"avgRatePct":7.0334,"rewardApyPct":1.048060182897507,"rewardIncluded":true,"rewardTokens":["PENDLE"],"tvlUsd":51251807,"liquidityUsd":6258413,"feePct":5,"listed":true,"warnings":[],"createdAt":1785859775,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":16780302,"healthFlags":["Deposits down 19% this week"],"healthFactor":{"score":64,"rawScore":70.5,"tier":"Fair","rawTier":"Solid","cappedByMaturity":true,"ageTier":"Fair","ageReason":"new","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":91.9809,"baseWeight":0.35,"note":"$6.3M pro-rata","detail":"$6,258,413 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $16,780,302 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":32.2222,"baseWeight":0.3,"note":"Deposits: 19% below this week's high","readings":[{"label":"Rate","value":"range 15% of the average","score":80,"decisive":false},{"label":"Deposits","value":"19% below this week's high","score":32,"decisive":true}]},"size":{"score":76.9776,"baseWeight":0.2,"note":"$51.3M TVL","detail":"$51,251,807 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[6.6103,6.8991,6.3563,6.7013,7.3312,6.889,6.362,6.5875],"historyLatestPct":6.1051},"spotRatePct":6.1054,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"RockawayX Tori Ecosystem","type":"Vault","asset":"USDC","chain":1,"address":"0x3bd9adae6643ddcddd02746b8b60075e56df9478","url":"https://app.morpho.org/ethereum/vault/0x3BD9AdAE6643dDcddD02746b8B60075E56DF9478","ratePct":6.6065571428571435,"avgRatePct":6.8946,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":13743234,"liquidityUsd":1646260,"feePct":10,"listed":true,"warnings":["Part of the available liquidity, $543,046, requires reallocation from other markets at a cost of up to 1%."],"createdAt":1783975847,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":2396777,"healthFlags":["Part of the available liquidity, $543,046, requires reallocation from other markets at a cost of up to 1%."],"healthFactor":{"score":68,"rawScore":68.3,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":69.1308,"baseWeight":0.35,"note":"$1.6M pro-rata","detail":"$1,646,260 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $2,396,777 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":63.2777,"baseWeight":0.3,"note":"Rate: range 33% of the average","readings":[{"label":"Rate","value":"range 33% of the average","score":63,"decisive":true},{"label":"Deposits","value":"at this week's high","score":98,"decisive":false}]},"size":{"score":59.829,"baseWeight":0.2,"note":"$13.7M TVL","detail":"$13,743,234 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[5.9915,5.995,8.1362,6.9468,6.0019,6.1789,6.7749,6.2122],"historyLatestPct":6.0887},"spotRatePct":6.0887,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"USDC / v-wmtUSDC","type":"Market","asset":"USDC","chain":1,"collateral":"v-wmtUSDC","marketId":"0x1d09bf979a167075f5608686642fd3cdb458de742a234175892fa03f23693f6b","url":"https://app.morpho.org/ethereum/variable/0x1d09bf979a167075f5608686642fd3cdb458de742a234175892fa03f23693f6b","ratePct":6.058142857142856,"avgRatePct":6.0683,"rewardApyPct":null,"rewardIncluded":false,"borrowRatePct":6.752428571428572,"borrowInterestPct":null,"borrowRewardPct":null,"tvlUsd":4355772,"liquidityUsd":434965,"utilizationPct":90.01406414178385,"listed":true,"warnings":[],"createdAt":1777311107,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidationLtvPct":86,"healthFlags":["90% utilisation"],"healthFactor":{"score":63,"rawScore":62.5,"tier":"Fair","rawTier":"Fair","ageTier":"Strong","protocolName":"Morpho","unit":"market","factors":{"liquidity":{"score":46.3564,"baseWeight":0.35,"note":"$434,965 available","detail":"$434,965 available. $300k scores 40 and $10M or more scores 100."},"stability":{"score":99.4352,"baseWeight":0.3,"note":"Available liquidity: never below the usual level","readings":[{"label":"Rate","value":"steady","score":100,"decisive":false},{"label":"Deposits","value":"at this week's high","score":100,"decisive":false},{"label":"Available liquidity","value":"never below the usual level","score":99,"decisive":true}]},"size":{"score":44.8583,"baseWeight":0.2,"note":"$4.4M TVL","detail":"$4,355,772 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":50,"baseWeight":0.15,"neutral":true,"note":"v-wmtUSDC: no Pharos grade, counted as 50"}},"liquidationLtvPct":86,"ungradedAsset":"v-wmtUSDC","apySeries":[6.0588,6.0596,6.0604,6.0606,6.0563,6.0563,6.0563,6.0575],"historyLatestPct":6.0617},"spotRatePct":6.0617,"spotBorrowRatePct":6.7565,"rateBasis":"7d","rateDays":7,"borrowRateBasis":"7d"},{"name":"USDC / OETH","type":"Market","asset":"USDC","chain":1,"collateral":"OETH","marketId":"0xb8fef900b383db2dbbf4458c7f46acf5b140f26d603a6d1829963f241b82510e","url":"https://app.morpho.org/ethereum/variable/0xb8fef900b383db2dbbf4458c7f46acf5b140f26d603a6d1829963f241b82510e","ratePct":6.8491285714285715,"avgRatePct":6.9145,"rewardApyPct":null,"rewardIncluded":false,"borrowRatePct":1.9054428571428572,"borrowInterestPct":7.151764713677927,"borrowRewardPct":5.964062309153749,"borrowRewardTokens":["OETH"],"tvlUsd":10886859,"liquidityUsd":1637162,"utilizationPct":84.96203859726296,"listed":true,"warnings":[],"createdAt":1758543263,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidationLtvPct":86,"healthFlags":["Today's available liquidity is 1.6× the usual level"],"healthFactor":{"score":65,"rawScore":65,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"market","factors":{"liquidity":{"score":69.0359,"baseWeight":0.35,"note":"$1.6M 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PST","type":"Market","asset":"PYUSD","chain":1,"collateral":"PST","marketId":"0xb4977179610abfecfc8b76255a002c16b33f46d077beb86e5911e1fe9ee6e512","url":"https://app.morpho.org/ethereum/variable/0xb4977179610abfecfc8b76255a002c16b33f46d077beb86e5911e1fe9ee6e512","ratePct":6.251957142857143,"avgRatePct":6.3956,"rewardApyPct":null,"rewardIncluded":false,"borrowRatePct":7.009857142857143,"borrowInterestPct":null,"borrowRewardPct":null,"tvlUsd":65113855,"liquidityUsd":6787055,"utilizationPct":89.57663400561134,"listed":true,"warnings":[],"createdAt":1786742135,"assetLogo":"https://cdn.morpho.org/assets/logos/pyusd.svg","liquidationLtvPct":86,"healthFlags":[],"healthFactor":{"score":64,"rawScore":77.5,"tier":"Fair","rawTier":"Solid","cappedByMaturity":true,"ageTier":"Fair","ageReason":"new","protocolName":"Morpho","unit":"market","factors":{"liquidity":{"score":93.3684,"baseWeight":0.35,"note":"$6.8M available","detail":"$6,787,055 available. $300k scores 40 and $10M or more scores 100."},"stability":{"score":70.9259,"baseWeight":0.3,"note":"Available liquidity: this week's low, $6.1M, was 13% below the usual level","readings":[{"label":"Rate","value":"range 20% of the average","score":73,"decisive":false},{"label":"Deposits","value":"at this week's high","score":100,"decisive":false},{"label":"Available liquidity","value":"this week's low, $6.1M, was 13% below the usual level","score":71,"decisive":true}]},"size":{"score":80.0966,"baseWeight":0.2,"note":"$65.1M TVL","detail":"$65,113,855 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":50,"baseWeight":0.15,"neutral":true,"note":"PST: no Pharos grade, counted as 50"}},"liquidationLtvPct":86,"ungradedAsset":"PST","apySeries":[7.217,7.242,6.6248,5.9705,5.9607,5.9596,5.9911,6.015],"historyLatestPct":6.0146},"spotRatePct":6.0146,"spotBorrowRatePct":6.7377,"rateBasis":"7d","rateDays":7,"borrowRateBasis":"7d"},{"name":"AUSD / 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$10M or more scores 100."},"stability":{"score":67.8683,"baseWeight":0.3,"note":"Deposits: 4% below this week's high","readings":[{"label":"Rate","value":"range 23% of the average","score":71,"decisive":false},{"label":"Deposits","value":"4% below this week's high","score":68,"decisive":true},{"label":"Available liquidity","value":"this week's low, $539,280, was 3% below the usual level","score":88,"decisive":false}]},"size":{"score":49.8959,"baseWeight":0.2,"note":"$6.4M TVL","detail":"$6,411,846 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":50,"baseWeight":0.15,"neutral":true,"note":"mROX: no Pharos grade, counted as 50"}},"liquidationLtvPct":86,"ungradedAsset":"mROX","apySeries":[6.4354,6.2447,6.1828,6.2172,6.4185,6.5843,5.1718,5.295],"historyLatestPct":6.0095},"spotRatePct":6.0095,"spotBorrowRatePct":6.3913,"rateBasis":"7d","rateDays":7,"borrowRateBasis":"7d"},{"name":"3Jane Ecosystem Vault","type":"Vault","asset":"USDC","chain":1,"address":"0xe05fadf242331808f504661bea65972594869826","url":"https://app.morpho.org/ethereum/vault/0xe05faDf242331808f504661BEA65972594869826","ratePct":6.378585714285714,"avgRatePct":7.2148,"rewardApyPct":0.7872013946591754,"rewardIncluded":true,"rewardTokens":["USDC"],"tvlUsd":22517248,"liquidityUsd":3574198,"feePct":15,"listed":true,"warnings":[],"createdAt":1767950855,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":8141830,"healthFlags":[],"healthFactor":{"score":76,"rawScore":76.1,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":82.3957,"baseWeight":0.35,"note":"$3.6M pro-rata","detail":"$3,574,198 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $8,141,830 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":69.27,"baseWeight":0.3,"note":"Deposits: 4% below this week's high","readings":[{"label":"Rate","value":"range 13% of the average","score":81,"decisive":false},{"label":"Deposits","value":"4% below this week's high","score":69,"decisive":true}]},"size":{"score":66.2618,"baseWeight":0.2,"note":"$22.5M TVL","detail":"$22,517,248 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[6.2718,6.7921,6.258,6.8153,6.6257,6.0917,6.1003,5.967],"historyLatestPct":5.9565},"spotRatePct":5.9573,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"Yearn OG USDC","type":"Vault","asset":"USDC","chain":1,"address":"0xb885f6d448da7e2c642ec31190b629e40e87b069","url":"https://app.morpho.org/ethereum/vault/0xB885F6d448dA7E2C642Ec31190B629E40E87B069","ratePct":6.526314285714286,"avgRatePct":7.2067,"rewardApyPct":0.5685915460634233,"rewardIncluded":true,"rewardTokens":["USDC"],"tvlUsd":3175327,"liquidityUsd":486688,"feePct":10,"listed":true,"warnings":["Part of the available liquidity, $331,748, requires reallocation from other markets at a cost of up to 2%."],"createdAt":1764190031,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":3108203,"healthFlags":["Deposits down 24% this week","Part of the available liquidity, $331,748, requires reallocation from other markets at a cost of up to 2%."],"healthFactor":{"score":45,"rawScore":45,"tier":"Fair","rawTier":"Fair","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":48.2789,"baseWeight":0.35,"note":"$486,688 pro-rata","detail":"$486,688 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $3,108,203 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":22.6696,"baseWeight":0.3,"note":"Deposits: 24% below this week's high","readings":[{"label":"Rate","value":"range 14% of the average","score":80,"decisive":false},{"label":"Deposits","value":"24% below this week's high","score":23,"decisive":true}]},"size":{"score":40.74,"baseWeight":0.2,"note":"$3.2M TVL","detail":"$3,175,327 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[6.472,6.9461,6.4959,6.9355,6.8026,6.3156,6.1576,6.0309],"historyLatestPct":5.9551},"spotRatePct":5.9551,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"StableEarn","type":"Vault","asset":"USDT0","chain":988,"address":"0xb7df8db22a5dbbfa9ebeb94b3910aec6a4f05c08","url":"https://app.morpho.org/stable/vault/0xb7Df8db22A5DBBFA9ebeb94b3910aec6a4f05c08","ratePct":6.3900571428571435,"avgRatePct":6.9029,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":21223709,"liquidityUsd":6612989,"feePct":0,"listed":true,"warnings":[],"createdAt":1764703328,"assetLogo":"https://cdn.morpho.org/assets/logos/usdt0.svg","healthFlags":[],"healthFactor":{"score":73,"rawScore":73.5,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":92.9238,"baseWeight":0.35,"note":"$6.6M available","detail":"$6,612,989 available. $300k scores 40 and $10M or more scores 100."},"stability":{"score":67.8147,"baseWeight":0.3,"note":"Rate: range 27% of the average","readings":[{"label":"Rate","value":"range 27% of the average","score":68,"decisive":true},{"label":"Deposits","value":"4% below this week's high","score":69,"decisive":false}]},"size":{"score":65.491,"baseWeight":0.2,"note":"$21.2M TVL","detail":"$21,223,709 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":50,"baseWeight":0.15,"neutral":true,"note":"USDT0: no Pharos grade, counted as 50"}},"liquidationLtvPct":null,"ungradedAsset":"USDT0","apySeries":[6.3983,6.0885,6.2138,7.0673,7.6315,5.9091,5.907,5.9132],"historyLatestPct":5.9021},"spotRatePct":5.9021,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"Gauntlet USDC Frontier","type":"Vault","asset":"USDC","chain":1,"address":"0x9a1d6bd5b8642c41f25e0958129b85f8e1176f3e","url":"https://app.morpho.org/ethereum/vault/0x9a1D6bd5b8642C41F25e0958129B85f8E1176F3e","ratePct":5.696685714285714,"avgRatePct":5.6498,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":14929165,"liquidityUsd":1756755,"feePct":0,"listed":true,"warnings":[],"createdAt":1759354463,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":9529496,"healthFlags":["Deposits down 17% this week"],"healthFactor":{"score":61,"rawScore":60.5,"tier":"Fair","rawTier":"Fair","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":70.2423,"baseWeight":0.35,"note":"$1.8M pro-rata","detail":"$1,756,755 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $9,529,496 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":35.1283,"baseWeight":0.3,"note":"Deposits: 17% below this week's high","readings":[{"label":"Rate","value":"range 34% of the average","score":62,"decisive":false},{"label":"Deposits","value":"17% below this week's high","score":35,"decisive":true}]},"size":{"score":60.9074,"baseWeight":0.2,"note":"$14.9M TVL","detail":"$14,929,165 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[4.3393,4.4633,5.7757,5.7886,6.1219,5.7519,5.7563,6.2191],"historyLatestPct":5.8905},"spotRatePct":5.8905,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"Sentora RLUSD Main","type":"Vault","asset":"RLUSD","chain":1,"address":"0x6dc58a0fdfc8d694e571dc59b9a52eeea780e6bf","url":"https://app.morpho.org/ethereum/vault/0x6dC58a0FdfC8D694e571DC59B9A52EEEa780E6bf","ratePct":6.558371428571427,"avgRatePct":6.2163,"rewardApyPct":2.767342459054511,"rewardIncluded":true,"rewardTokens":["RLUSD"],"tvlUsd":457038301,"liquidityUsd":77337425,"feePct":10,"listed":true,"warnings":["A single key, not a multisig, holds the owner and curator roles of this vault. Fee changes and new allocators can take effect at once. New markets and higher caps wait 3 days. Withdrawals cannot be gated"],"createdAt":1772667719,"assetLogo":"https://cdn.morpho.org/assets/logos/rlusd.svg","healthFlags":["A single key, not a multisig, holds the owner and curator roles of this vault. Fee changes and new allocators can take effect at once. New markets and higher caps wait 3 days. Withdrawals cannot be gated"],"healthFactor":{"score":84,"rawScore":84.3,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":100,"baseWeight":0.35,"note":"$77.3M available","detail":"$77,337,425 available. $300k scores 40 and $10M or more scores 100."},"stability":{"score":60.2675,"baseWeight":0.3,"note":"Rate: range 37% of the average","readings":[{"label":"Rate","value":"range 37% of the average","score":60,"decisive":true},{"label":"Deposits","value":"4% below this week's high","score":70,"decisive":false}]},"size":{"score":100,"baseWeight":0.2,"note":"$457.0M TVL","detail":"$457,038,301 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":75,"baseWeight":0.15,"note":"RLUSD: Pharos safety grade B+ (75/100)"}},"liquidationLtvPct":null,"apySeries":[6.1406,6.6925,6.9443,6.3148,5.4961,5.9223,6.6525,7.8861],"historyLatestPct":5.8693},"spotRatePct":5.8693,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"Gauntlet USDC Frontier","type":"Vault","asset":"USDC","chain":8453,"address":"0x1deefabee758aabdc29a542b24ca3b75afd56765","url":"https://app.morpho.org/base/vault/0x1deEfABEe758AAbdC29a542B24ca3b75aFD56765","ratePct":5.846414285714286,"avgRatePct":5.5532,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":4516416,"liquidityUsd":464900,"feePct":0,"listed":true,"warnings":[],"createdAt":1761148283,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":3453937,"healthFlags":[],"healthFactor":{"score":55,"rawScore":54.6,"tier":"Fair","rawTier":"Fair","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":47.4952,"baseWeight":0.35,"note":"$464,900 pro-rata","detail":"$464,900 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $3,453,937 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":52.4116,"baseWeight":0.3,"note":"Deposits: 9% below this week's high","readings":[{"label":"Rate","value":"range 11% of the average","score":84,"decisive":false},{"label":"Deposits","value":"9% below this week's high","score":52,"decisive":true}]},"size":{"score":45.3302,"baseWeight":0.2,"note":"$4.5M TVL","detail":"$4,516,416 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[5.798,5.7237,5.7809,6.2699,5.8857,5.8985,5.7414,5.6248],"historyLatestPct":5.8451},"spotRatePct":5.8451,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"AUSD / 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100."},"stability":{"score":65.9957,"baseWeight":0.3,"note":"Available liquidity: this week's low, $360,802, was 21% below the usual level","readings":[{"label":"Rate","value":"range 11% of the average","score":84,"decisive":false},{"label":"Deposits","value":"at this week's high","score":100,"decisive":false},{"label":"Available liquidity","value":"this week's low, $360,802, was 21% below the usual level","score":66,"decisive":true}]},"size":{"score":50.0447,"baseWeight":0.2,"note":"$6.5M TVL","detail":"$6,485,507 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":50,"baseWeight":0.15,"neutral":true,"note":"PST: no Pharos grade, counted as 50"}},"liquidationLtvPct":86,"ungradedAsset":"PST","apySeries":[5.7471,5.9112,5.9548,5.9393,6.0857,5.4391,5.9094,6.0048],"historyLatestPct":5.841},"spotRatePct":5.841,"spotBorrowRatePct":6.4837,"rateBasis":"7d","rateDays":7,"borrowRateBasis":"7d"},{"name":"USDC / 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100."},"stability":{"score":48.1965,"baseWeight":0.3,"note":"Deposits: 11% below this week's high","readings":[{"label":"Rate","value":"range 14% of the average","score":80,"decisive":false},{"label":"Deposits","value":"11% below this week's high","score":48,"decisive":true},{"label":"Available liquidity","value":"this week's low, $2.4M, was 17% below the usual level","score":69,"decisive":false}]},"size":{"score":66.4962,"baseWeight":0.2,"note":"$22.9M TVL","detail":"$22,925,951 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":50,"baseWeight":0.15,"neutral":true,"note":"mF-ONE: no Pharos grade, counted as 50"}},"liquidationLtvPct":91.5,"ungradedAsset":"mF-ONE","apySeries":[5.8165,5.8104,6.0875,6.4494,6.5719,5.8038,5.7156,5.809],"historyLatestPct":5.8391},"spotRatePct":5.8391,"spotBorrowRatePct":6.5953,"rateBasis":"7d","rateDays":7,"borrowRateBasis":"7d"},{"name":"Keyrock USDC","type":"Vault","asset":"USDC","chain":1,"address":"0x04422053addbc9bb2759b248b574e3fca76bc145","url":"https://app.morpho.org/ethereum/vault/0x04422053aDDbc9bB2759b248B574e3FCA76Bc145","ratePct":6.091299999999999,"avgRatePct":6.2362,"rewardApyPct":0.26405556976351163,"rewardIncluded":true,"rewardTokens":["USDC"],"tvlUsd":8254890,"liquidityUsd":988120,"feePct":5,"listed":true,"warnings":["A single key, not a multisig, holds the owner and curator roles of this vault. Fee changes and new allocators can take effect at once. New markets and higher caps wait 3 days. Withdrawals cannot be gated"],"createdAt":1759502651,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":8254890,"healthFlags":["A single key, not a multisig, holds the owner and curator roles of this vault. Fee changes and new allocators can take effect at once. New markets and higher caps wait 3 days. Withdrawals cannot be gated"],"healthFactor":{"score":72,"rawScore":71.7,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":60.3964,"baseWeight":0.35,"note":"$988,120 pro-rata","detail":"$988,120 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $8,254,890 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":89.1775,"baseWeight":0.3,"note":"Rate: range 8% of the average","readings":[{"label":"Rate","value":"range 8% of the average","score":89,"decisive":true},{"label":"Deposits","value":"at this week's high","score":100,"decisive":false}]},"size":{"score":53.1877,"baseWeight":0.2,"note":"$8.3M TVL","detail":"$8,254,890 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[5.8974,6.21,5.874,6.1957,6.3389,6.0246,6.0208,5.9751],"historyLatestPct":5.8353},"spotRatePct":5.8353,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"Steakhouse High Yield USDC","type":"Vault","asset":"USDC","chain":1,"address":"0xbeeff2c5bf38f90e3482a8b19f12e5a6d2fca757","url":"https://app.morpho.org/ethereum/vault/0xbeeff2C5bF38f90e3482a8b19F12E5a6D2FCa757","ratePct":5.694985714285714,"avgRatePct":5.7706,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":45905808,"liquidityUsd":4714643,"feePct":5,"listed":true,"warnings":[],"createdAt":1761601787,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":19595120,"healthFlags":[],"healthFactor":{"score":78,"rawScore":77.5,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":87.1342,"baseWeight":0.35,"note":"$4.7M pro-rata","detail":"$4,714,643 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $19,595,120 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":62.3594,"baseWeight":0.3,"note":"Deposits: 6% below this week's high","readings":[{"label":"Rate","value":"range 8% of the average","score":89,"decisive":false},{"label":"Deposits","value":"6% below this week's high","score":62,"decisive":true}]},"size":{"score":75.5424,"baseWeight":0.2,"note":"$45.9M TVL","detail":"$45,905,808 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[5.4932,5.5893,5.4661,5.7511,5.9064,5.7037,5.642,5.8063],"historyLatestPct":5.7095},"spotRatePct":5.7095,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"EURC / 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100."},"stability":{"score":36.6057,"baseWeight":0.3,"note":"Rate: range 72% of the average","readings":[{"label":"Rate","value":"range 72% of the average","score":37,"decisive":true},{"label":"Deposits","value":"2% below this week's high","score":75,"decisive":false},{"label":"Available liquidity","value":"this week's low, $356,510, was 22% below the usual level","score":66,"decisive":false}]},"size":{"score":46.4922,"baseWeight":0.2,"note":"$4.9M TVL","detail":"$4,937,734 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":50,"baseWeight":0.15,"neutral":true,"note":"cbBTC: no Pharos grade, counted as 50"}},"liquidationLtvPct":86,"ungradedAsset":"cbBTC","apySeries":[3.0055,3.2975,3.7524,3.6312,4.4809,4.5149,5.9861,6.1536],"historyLatestPct":5.6554},"spotRatePct":5.6554,"spotBorrowRatePct":6.1565,"rateBasis":"7d","rateDays":7,"borrowRateBasis":"7d"},{"name":"USDC / 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100."},"stability":{"score":84.5472,"baseWeight":0.3,"note":"Rate: range 11% of the average","readings":[{"label":"Rate","value":"range 11% of the average","score":85,"decisive":true},{"label":"Deposits","value":"at this week's high","score":94,"decisive":false},{"label":"Available liquidity","value":"this week's low, $6.2M, was 1% below the usual level","score":95,"decisive":false}]},"size":{"score":79.83,"baseWeight":0.2,"note":"$63.8M TVL","detail":"$63,795,059 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":50,"baseWeight":0.15,"neutral":true,"note":"cbXRP: no Pharos grade, counted as 50"}},"liquidationLtvPct":62.5,"ungradedAsset":"cbXRP","apySeries":[5.8269,5.7599,5.7771,6.4047,5.8225,5.8929,5.837,5.8257],"historyLatestPct":5.6414},"spotRatePct":5.6414,"spotBorrowRatePct":6.3003,"rateBasis":"7d","rateDays":7,"borrowRateBasis":"7d"},{"name":"Sentora PRIME Main","type":"Vault","asset":"PYUSD","chain":1,"address":"0xc21b08c16458202593d4d9b26b9984ee67b38bbd","url":"https://app.morpho.org/ethereum/vault/0xC21b08C16458202593D4D9B26b9984Ee67b38BbD","ratePct":6.176728571428571,"avgRatePct":6.2868,"rewardApyPct":1.9502694100954923,"rewardIncluded":true,"rewardTokens":["PYUSD"],"tvlUsd":211399450,"liquidityUsd":27360662,"feePct":15,"listed":true,"warnings":["Part of the available liquidity, $23.4M, requires reallocation from other markets at a cost of up to 1%.","A single key, not a multisig, holds the owner and curator roles of this vault. Fee changes and new allocators can take effect at once. New markets and higher caps wait 3 days. Withdrawals cannot be gated"],"createdAt":1778272391,"assetLogo":"https://cdn.morpho.org/assets/logos/pyusd.svg","healthFlags":["Part of the available liquidity, $23.4M, requires reallocation from other markets at a cost of up to 1%.","A single key, not a multisig, holds the owner and curator roles of this vault. Fee changes and new allocators can take effect at once. New markets and higher caps wait 3 days. Withdrawals cannot be gated"],"healthFactor":{"score":86,"rawScore":86.1,"tier":"Strong","rawTier":"Strong","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":100,"baseWeight":0.35,"note":"$27.4M available","detail":"$27,360,662 available. $300k scores 40 and $10M or more scores 100."},"stability":{"score":70.8657,"baseWeight":0.3,"note":"Rate: range 23% of the average","readings":[{"label":"Rate","value":"range 23% of the average","score":71,"decisive":true},{"label":"Deposits","value":"3% below this week's high","score":72,"decisive":false}]},"size":{"score":95.4395,"baseWeight":0.2,"note":"$211.4M TVL","detail":"$211,399,450 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":72,"baseWeight":0.15,"note":"PYUSD: Pharos safety grade B (72/100)"}},"liquidationLtvPct":null,"apySeries":[6.248,6.6208,7.0879,6.5645,5.7701,5.7374,5.7937,5.6627],"historyLatestPct":5.6245},"spotRatePct":5.6245,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"USDC / wFalconX","type":"Market","asset":"USDC","chain":1,"collateral":"wFalconX","marketId":"0x2a0b893471c785a1f0fda00df7fca578b703eef7ae7186d2429c2824b5212467","url":"https://app.morpho.org/ethereum/variable/0x2a0b893471c785a1f0fda00df7fca578b703eef7ae7186d2429c2824b5212467","ratePct":5.2378,"avgRatePct":5.0849,"rewardApyPct":null,"rewardIncluded":false,"borrowRatePct":5.828971428571429,"borrowInterestPct":null,"borrowRewardPct":null,"tvlUsd":24223802,"liquidityUsd":2360946,"utilizationPct":90.25361040291787,"listed":true,"warnings":[],"createdAt":1779379079,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidationLtvPct":91.5,"healthFlags":["90% utilisation"],"healthFactor":{"score":76,"rawScore":76.1,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"market","factors":{"liquidity":{"score":75.3002,"baseWeight":0.35,"note":"$2.4M available","detail":"$2,360,946 available. $300k scores 40 and $10M or more scores 100."},"stability":{"score":95.8616,"baseWeight":0.3,"note":"Available liquidity: this week's low, $2.4M, was 1% below the usual level","readings":[{"label":"Rate","value":"range 2% of the average","score":97,"decisive":false},{"label":"Deposits","value":"at this week's high","score":98,"decisive":false},{"label":"Available liquidity","value":"this week's low, $2.4M, was 1% below the usual level","score":96,"decisive":true}]},"size":{"score":67.2136,"baseWeight":0.2,"note":"$24.2M TVL","detail":"$24,223,802 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":50,"baseWeight":0.15,"neutral":true,"note":"wFalconX: no Pharos grade, counted as 50"}},"liquidationLtvPct":91.5,"ungradedAsset":"wFalconX","apySeries":[5.2327,5.2132,5.2248,5.219,5.2459,5.2306,5.222,5.3091],"historyLatestPct":5.4907},"spotRatePct":5.4907,"spotBorrowRatePct":6.1014,"rateBasis":"7d","rateDays":7,"borrowRateBasis":"7d"},{"name":"Steakhouse High Yield USDC","type":"Vault","asset":"USDC","chain":8453,"address":"0xbeeff7ae5e00aae3db302e4b0d8c883810a58100","url":"https://app.morpho.org/base/vault/0xbeeff7aE5E00Aae3Db302e4B0d8C883810a58100","ratePct":5.545657142857144,"avgRatePct":5.1664,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":29407861,"liquidityUsd":2955019,"feePct":5,"listed":true,"warnings":[],"createdAt":1761597645,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":8093673,"healthFlags":[],"healthFactor":{"score":80,"rawScore":79.7,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":79.1406,"baseWeight":0.35,"note":"$3.0M pro-rata","detail":"$2,955,019 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $8,093,673 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":82.7478,"baseWeight":0.3,"note":"Rate: range 12% of the average","readings":[{"label":"Rate","value":"range 12% of the average","score":83,"decisive":true},{"label":"Deposits","value":"at this week's high","score":100,"decisive":false}]},"size":{"score":69.7403,"baseWeight":0.2,"note":"$29.4M TVL","detail":"$29,407,861 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[5.3941,5.3209,5.3174,5.9925,5.5555,5.6036,5.5234,5.5063],"historyLatestPct":5.4794},"spotRatePct":5.4794,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"Felix USDC","type":"Vault","asset":"USDC","chain":999,"address":"0x8a862fd6c12f9ad34c9c2ff45ab2b6712e8cea27","url":"https://app.morpho.org/hyperevm/vault/0x8A862fD6c12f9ad34C9c2ff45AB2b6712e8CEa27","ratePct":4.2344,"avgRatePct":4.2099,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":3990197,"liquidityUsd":358188,"feePct":10,"listed":true,"warnings":["Any one of three signers can act as curator of this vault. A multisig holds the owner role. Higher caps wait 3 days"],"createdAt":1757689200,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":1540084,"healthFlags":["Any one of three signers can act as curator of this vault. A multisig holds the owner role. Higher caps wait 3 days"],"healthFactor":{"score":58,"rawScore":57.6,"tier":"Fair","rawTier":"Fair","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":43.0333,"baseWeight":0.35,"note":"$358,188 pro-rata","detail":"$358,188 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $1,540,084 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":68.5582,"baseWeight":0.3,"note":"Rate: range 26% of the average","readings":[{"label":"Rate","value":"range 26% of the average","score":69,"decisive":true},{"label":"Deposits","value":"1% below this week's high","score":86,"decisive":false}]},"size":{"score":43.7162,"baseWeight":0.2,"note":"$4.0M TVL","detail":"$3,990,197 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[3.8287,3.8559,3.9928,4.0828,4.1605,4.0863,4.545,4.9175],"historyLatestPct":5.4478},"spotRatePct":5.4478,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"К3 cbMaxxxing USDC","type":"Vault","asset":"USDC","chain":8453,"address":"0x0548a36028ffdc7d5aaa7a182f0d1fe0264f5a5c","url":"https://app.morpho.org/base/vault/0x0548A36028FFdc7D5aaA7A182f0d1FE0264F5A5C","ratePct":5.472771428571429,"avgRatePct":4.9882,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":3693131,"liquidityUsd":373429,"feePct":5,"listed":true,"warnings":["A single key, not a multisig, holds the owner and curator roles of this vault. Fee changes and new allocators can take effect at once. New markets and higher caps wait 3 days. Withdrawals cannot be gated"],"createdAt":1784810267,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":3658505,"healthFlags":["A single key, not a multisig, holds the owner and curator roles of this vault. Fee changes and new allocators can take effect at once. New markets and higher caps wait 3 days. Withdrawals cannot be gated"],"healthFactor":{"score":62,"rawScore":62.1,"tier":"Fair","rawTier":"Fair","ageTier":"Fair","ageReason":"new","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":43.7463,"baseWeight":0.35,"note":"$373,429 pro-rata","detail":"$373,429 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $3,658,505 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":83.3781,"baseWeight":0.3,"note":"Rate: range 12% of the average","readings":[{"label":"Rate","value":"range 12% of the average","score":83,"decisive":true},{"label":"Deposits","value":"at this week's high","score":100,"decisive":false}]},"size":{"score":42.7082,"baseWeight":0.2,"note":"$3.7M TVL","detail":"$3,693,131 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[5.5854,5.3745,5.4273,5.906,5.2603,5.3381,5.5083,5.4949],"historyLatestPct":5.3746},"spotRatePct":5.3746,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"Steakhouse Prime EURC","type":"Vault","asset":"EURC","chain":8453,"address":"0xbeef009f28ccf367444a9f79096862920e025dc1","url":"https://app.morpho.org/base/vault/0xbeef009F28cCf367444a9F79096862920e025DC1","ratePct":4.309271428571429,"avgRatePct":3.1029,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":3344106,"liquidityUsd":265517,"feePct":5,"listed":true,"warnings":[],"createdAt":1768947161,"assetLogo":"https://cdn.morpho.org/assets/logos/eurc.svg","liquidityShownUsd":497399,"healthFlags":["Rate range 74% of the average this week"],"healthFactor":{"score":44,"rawScore":43.5,"tier":"Weak","rawTier":"Weak","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":34.5173,"baseWeight":0.35,"note":"$265,517 pro-rata","detail":"$265,517 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $497,399 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":35.7135,"baseWeight":0.3,"note":"Rate: range 74% of the average","readings":[{"label":"Rate","value":"range 74% of the average","score":36,"decisive":true},{"label":"Deposits","value":"at this week's high","score":100,"decisive":false}]},"size":{"score":41.4148,"baseWeight":0.2,"note":"$3.3M TVL","detail":"$3,344,106 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":83,"baseWeight":0.15,"note":"EURC: Pharos safety grade A (83/100)"}},"liquidationLtvPct":null,"apySeries":[2.9239,3.129,3.5684,3.4482,4.1988,4.1875,5.6562,5.9768],"historyLatestPct":5.3533},"spotRatePct":5.3533,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"USDC / JitoSOL","type":"Market","asset":"USDC","chain":8453,"collateral":"JitoSOL","marketId":"0x09276541cfecb6920a80679a1deced4dde3ae64bf5fc2c9c1f9c21e0c152e1a5","url":"https://app.morpho.org/base/variable/0x09276541cfecb6920a80679a1deced4dde3ae64bf5fc2c9c1f9c21e0c152e1a5","ratePct":5.57822857142857,"avgRatePct":5.4435,"rewardApyPct":null,"rewardIncluded":false,"borrowRatePct":6.222371428571429,"borrowInterestPct":null,"borrowRewardPct":null,"tvlUsd":4039949,"liquidityUsd":421598,"utilizationPct":89.564286975166,"listed":true,"warnings":[],"createdAt":1778863471,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidationLtvPct":62.5,"healthFlags":[],"healthFactor":{"score":55,"rawScore":55.3,"tier":"Fair","rawTier":"Fair","ageTier":"Strong","protocolName":"Morpho","unit":"market","factors":{"liquidity":{"score":45.8223,"baseWeight":0.35,"note":"$421,598 available","detail":"$421,598 available. $300k scores 40 and $10M or more scores 100."},"stability":{"score":76.6156,"baseWeight":0.3,"note":"Available liquidity: this week's low, $377,032, was 5% below the usual level","readings":[{"label":"Rate","value":"range 13% of the average","score":82,"decisive":false},{"label":"Deposits","value":"at this week's high","score":100,"decisive":false},{"label":"Available liquidity","value":"this week's low, $377,032, was 5% below the usual level","score":77,"decisive":true}]},"size":{"score":43.8776,"baseWeight":0.2,"note":"$4.0M TVL","detail":"$4,039,949 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":50,"baseWeight":0.15,"neutral":true,"note":"JitoSOL: no Pharos grade, counted as 50"}},"liquidationLtvPct":62.5,"ungradedAsset":"JitoSOL","apySeries":[5.1869,5.2421,5.4535,5.7639,5.8784,5.8216,5.5425,5.3456],"historyLatestPct":5.3421},"spotRatePct":5.3421,"spotBorrowRatePct":5.9828,"rateBasis":"7d","rateDays":7,"borrowRateBasis":"7d"},{"name":"Paypal USD Main","type":"Vault","asset":"PYUSD","chain":1,"address":"0xb576765fb15505433af24fee2c0325895c559fb2","url":"https://app.morpho.org/ethereum/vault/0xb576765fB15505433aF24FEe2c0325895C559FB2","ratePct":5.576842857142857,"avgRatePct":5.8662,"rewardApyPct":2.9835297839190558,"rewardIncluded":true,"rewardTokens":["PYUSD"],"tvlUsd":388573431,"liquidityUsd":78765274,"feePct":1,"listed":true,"warnings":["A single key, not a multisig, holds the owner and curator roles of this vault. Fee changes and new allocators can take effect at once. New markets and higher caps wait 3 days. Withdrawals cannot be gated"],"createdAt":1765886495,"assetLogo":"https://cdn.morpho.org/assets/logos/pyusd.svg","healthFlags":["A single key, not a multisig, holds the owner and curator roles of this vault. Fee changes and new allocators can take effect at once. New markets and higher caps wait 3 days. Withdrawals cannot be gated"],"healthFactor":{"score":84,"rawScore":84.5,"tier":"Solid","rawTier":"Strong","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":100,"baseWeight":0.35,"note":"$78.8M available","detail":"$78,765,274 available. $300k scores 40 and $10M or more scores 100."},"stability":{"score":62.2224,"baseWeight":0.3,"note":"Deposits: 6% below this week's high","readings":[{"label":"Rate","value":"range 12% of the average","score":83,"decisive":false},{"label":"Deposits","value":"6% below this week's high","score":62,"decisive":true}]},"size":{"score":100,"baseWeight":0.2,"note":"$388.6M TVL","detail":"$388,573,431 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":72,"baseWeight":0.15,"note":"PYUSD: Pharos safety grade B (72/100)"}},"liquidationLtvPct":null,"apySeries":[5.6735,5.9402,5.9412,5.5485,5.3516,5.5437,5.4516,5.2611],"historyLatestPct":5.3373},"spotRatePct":5.3373,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"Smokehouse USDC","type":"Vault","asset":"USDC","chain":1,"address":"0xbeefff209270748ddd194831b3fa287a5386f5bc","url":"https://app.morpho.org/ethereum/vault/0xBEeFFF209270748ddd194831b3fa287a5386f5bC","ratePct":5.392328571428571,"avgRatePct":5.4685,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":12480106,"liquidityUsd":1285371,"feePct":10,"listed":true,"warnings":[],"createdAt":1733418911,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":11860922,"healthFlags":[],"healthFactor":{"score":70,"rawScore":70.1,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":64.8966,"baseWeight":0.35,"note":"$1.3M pro-rata","detail":"$1,285,371 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $11,860,922 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":74.9343,"baseWeight":0.3,"note":"Deposits: 2% below this week's high","readings":[{"label":"Rate","value":"range 9% of the average","score":87,"decisive":false},{"label":"Deposits","value":"2% below this week's high","score":75,"decisive":true}]},"size":{"score":58.5729,"baseWeight":0.2,"note":"$12.5M TVL","detail":"$12,480,106 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[5.2568,5.3287,5.2256,5.4933,5.7057,5.3129,5.2906,5.3895],"historyLatestPct":5.2598},"spotRatePct":5.2598,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"Wintermute USDC Select","type":"Vault","asset":"USDC","chain":1,"address":"0xa2eaad0d586cf9fd73bb2c09cf6a7e3e187d68cd","url":"https://app.morpho.org/ethereum/vault/0xA2EAaD0D586cF9FD73bb2c09cF6A7E3e187D68cd","ratePct":5.354371428571428,"avgRatePct":5.3483,"rewardApyPct":0.025863683344266575,"rewardIncluded":true,"rewardTokens":["USDC"],"tvlUsd":52300452,"liquidityUsd":5321148,"feePct":0,"listed":true,"warnings":[],"createdAt":1776879155,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":47804645,"healthFlags":[],"healthFactor":{"score":87,"rawScore":86.8,"tier":"Strong","rawTier":"Strong","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":89.2049,"baseWeight":0.35,"note":"$5.3M pro-rata","detail":"$5,321,148 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $47,804,645 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":89.6797,"baseWeight":0.3,"note":"Rate: range 7% of the average","readings":[{"label":"Rate","value":"range 7% of the average","score":90,"decisive":true},{"label":"Deposits","value":"at this week's high","score":100,"decisive":false}]},"size":{"score":77.2415,"baseWeight":0.2,"note":"$52.3M TVL","detail":"$52,300,452 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[5.1895,5.3731,5.2499,5.3956,5.5792,5.2986,5.2268,5.3574],"historyLatestPct":5.1756},"spotRatePct":5.1756,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"USDC / 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Morpho reports $166,262,858 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":45.3055,"baseWeight":0.3,"note":"Deposits: 12% below this week's high","readings":[{"label":"Rate","value":"range 3% of the average","score":96,"decisive":false},{"label":"Deposits","value":"12% below this week's high","score":45,"decisive":true}]},"size":{"score":92.3435,"baseWeight":0.2,"note":"$166.7M TVL","detail":"$166,687,682 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[4.6866,4.6143,4.6172,4.6965,4.7217,4.7371,4.7285,4.7326],"historyLatestPct":5.0272},"spotRatePct":5.0272,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"USDC / cbETH","type":"Market","asset":"USDC","chain":8453,"collateral":"cbETH","marketId":"0x0ca10126f6c94cbd9cf0a48cc9516ae5e3dec5aa68303e6d988ee37c5149bf0d","url":"https://app.morpho.org/base/variable/0x0ca10126f6c94cbd9cf0a48cc9516ae5e3dec5aa68303e6d988ee37c5149bf0d","ratePct":4.736199999999999,"avgRatePct":4.5261,"rewardApyPct":null,"rewardIncluded":false,"borrowRatePct":5.263685714285714,"borrowInterestPct":null,"borrowRewardPct":null,"tvlUsd":16384674,"liquidityUsd":1577523,"utilizationPct":90.37196265711924,"listed":true,"warnings":[],"createdAt":1765374229,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidationLtvPct":77,"healthFlags":["90% utilisation"],"healthFactor":{"score":67,"rawScore":67.3,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"market","factors":{"liquidity":{"score":68.401,"baseWeight":0.35,"note":"$1.6M available","detail":"$1,577,523 available. $300k scores 40 and $10M or more scores 100."},"stability":{"score":78.1019,"baseWeight":0.3,"note":"Deposits: 2% below this week's high","readings":[{"label":"Rate","value":"range 6% of the average","score":92,"decisive":false},{"label":"Deposits","value":"2% below this week's high","score":78,"decisive":true},{"label":"Available liquidity","value":"this week's low, $1.5M, was 2% below the usual level","score":93,"decisive":false}]},"size":{"score":62.1195,"baseWeight":0.2,"note":"$16.4M TVL","detail":"$16,384,674 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":50,"baseWeight":0.15,"neutral":true,"note":"cbETH: no Pharos grade, counted as 50"}},"liquidationLtvPct":77,"ungradedAsset":"cbETH","apySeries":[4.6663,4.6143,4.6335,4.6983,4.7342,4.8006,4.7816,4.8909],"historyLatestPct":5.0265},"spotRatePct":5.0265,"spotBorrowRatePct":5.5767,"rateBasis":"7d","rateDays":7,"borrowRateBasis":"7d"},{"name":"Gauntlet USDC Prime","type":"Vault","asset":"USDC","chain":8453,"address":"0xee8f4ec5672f09119b96ab6fb59c27e1b7e44b61","url":"https://app.morpho.org/base/vault/0xeE8F4eC5672F09119b96Ab6fB59C27E1b7e44b61","ratePct":4.708699999999999,"avgRatePct":4.4731,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":412868697,"liquidityUsd":39630262,"feePct":0,"listed":true,"warnings":[],"createdAt":1717444929,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":180138721,"healthFlags":[],"healthFactor":{"score":96,"rawScore":96.2,"tier":"Strong","rawTier":"Strong","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":100,"baseWeight":0.35,"note":"$39.6M pro-rata","detail":"$39,630,262 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $180,138,721 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":93.2094,"baseWeight":0.3,"note":"Rate: range 5% of the average","readings":[{"label":"Rate","value":"range 5% of the average","score":93,"decisive":true},{"label":"Deposits","value":"at this week's high","score":96,"decisive":false}]},"size":{"score":100,"baseWeight":0.2,"note":"$412.9M TVL","detail":"$412,868,697 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[4.6265,4.6138,4.6145,4.6914,4.7258,4.7461,4.7296,4.8397],"historyLatestPct":5.0265},"spotRatePct":5.0265,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"USDC / 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Morpho reports $12,002,700 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":64.0811,"baseWeight":0.3,"note":"Deposits: 6% below this week's high","readings":[{"label":"Rate","value":"range 5% of the average","score":93,"decisive":false},{"label":"Deposits","value":"6% below this week's high","score":64,"decisive":true}]},"size":{"score":59.1908,"baseWeight":0.2,"note":"$13.1M TVL","detail":"$13,086,263 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[4.3955,4.3777,4.381,4.4524,4.4853,4.515,4.4963,4.6006],"historyLatestPct":4.7622},"spotRatePct":4.7622,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"USDC / wUSCC","type":"Market","asset":"USDC","chain":1,"collateral":"wUSCC","marketId":"0x96905763efe6da2cee9553fa567ef4daa8c4d057ce8d2973c26d424d5a59eb8a","url":"https://app.morpho.org/ethereum/variable/0x96905763efe6da2cee9553fa567ef4daa8c4d057ce8d2973c26d424d5a59eb8a","ratePct":4.7496,"avgRatePct":4.6937,"rewardApyPct":null,"rewardIncluded":false,"borrowRatePct":5.275914285714286,"borrowInterestPct":null,"borrowRewardPct":null,"tvlUsd":7819074,"liquidityUsd":766932,"utilizationPct":90.19152257068679,"listed":true,"warnings":[],"createdAt":1778765183,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidationLtvPct":98,"healthFlags":["90% utilisation"],"healthFactor":{"score":65,"rawScore":64.8,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"market","factors":{"liquidity":{"score":56.0605,"baseWeight":0.35,"note":"$766,932 available","detail":"$766,932 available. $300k scores 40 and $10M or more scores 100."},"stability":{"score":90.7123,"baseWeight":0.3,"note":"Deposits: 1% below this week's high","readings":[{"label":"Rate","value":"range 2% of the average","score":98,"decisive":false},{"label":"Deposits","value":"1% below this week's high","score":91,"decisive":true},{"label":"Available liquidity","value":"this week's low, $759,834, was 1% below the usual level","score":96,"decisive":false}]},"size":{"score":52.481,"baseWeight":0.2,"note":"$7.8M TVL","detail":"$7,819,074 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":50,"baseWeight":0.15,"neutral":true,"note":"wUSCC: no Pharos grade, counted as 50"}},"liquidationLtvPct":98,"ungradedAsset":"wUSCC","apySeries":[4.7773,4.786,4.7972,4.7573,4.7156,4.7282,4.7291,4.7338],"historyLatestPct":4.7289},"spotRatePct":4.7289,"spotBorrowRatePct":5.2564,"rateBasis":"7d","rateDays":7,"borrowRateBasis":"7d"},{"name":"Gauntlet USDC RWA","type":"Vault","asset":"USDC","chain":1,"address":"0xa8875aaebc4f830524e35d57f9772ffacbdd6c45","url":"https://app.morpho.org/ethereum/vault/0xA8875aaeBc4f830524e35d57F9772FfAcbdD6C45","ratePct":4.634785714285714,"avgRatePct":5.3616,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":10836577,"liquidityUsd":1136918,"feePct":0,"listed":true,"warnings":[],"createdAt":1737943667,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":7049538,"healthFlags":[],"healthFactor":{"score":72,"rawScore":71.9,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":62.7966,"baseWeight":0.35,"note":"$1.1M pro-rata","detail":"$1,136,918 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $7,049,538 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":84.7316,"baseWeight":0.3,"note":"Rate: range 11% of the average","readings":[{"label":"Rate","value":"range 11% of the average","score":85,"decisive":true},{"label":"Deposits","value":"at this week's high","score":94,"decisive":false}]},"size":{"score":56.7331,"baseWeight":0.2,"note":"$10.8M TVL","detail":"$10,836,577 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[4.403,4.5381,4.6288,4.6414,4.5812,4.5066,4.6465,4.9009],"historyLatestPct":4.7177},"spotRatePct":4.7177,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"Galaxy USDC Enhanced","type":"Vault","asset":"USDC","chain":1,"address":"0xd95fe7adf5075fad9d6bf853e0f9fe53369e8d96","url":"https://app.morpho.org/ethereum/vault/0xd95fE7adF5075fad9D6Bf853E0f9Fe53369E8D96","ratePct":5.243357142857143,"avgRatePct":5.0613,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":8095049,"liquidityUsd":1235663,"feePct":0.4,"listed":true,"warnings":["A single key, not a multisig, holds the owner and curator roles of this vault. Fee changes and new allocators can take effect at once. New markets and higher caps wait 3 days. Withdrawals cannot be gated"],"createdAt":1781634911,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":6649300,"healthFlags":["A single key, not a multisig, holds the owner and curator roles of this vault. Fee changes and new allocators can take effect at once. New markets and higher caps wait 3 days. Withdrawals cannot be gated"],"healthFactor":{"score":66,"rawScore":66.1,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":64.2217,"baseWeight":0.35,"note":"$1.2M pro-rata","detail":"$1,235,663 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $6,649,300 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":66.1295,"baseWeight":0.3,"note":"Rate: range 29% of the average","readings":[{"label":"Rate","value":"range 29% of the average","score":66,"decisive":true},{"label":"Deposits","value":"at this week's high","score":100,"decisive":false}]},"size":{"score":52.9329,"baseWeight":0.2,"note":"$8.1M TVL","detail":"$8,095,049 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[5.4908,5.7225,5.7036,5.6765,5.9269,4.829,4.3889,4.4561],"historyLatestPct":4.6712},"spotRatePct":4.6712,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"USDC / 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100."},"stability":{"score":90.5401,"baseWeight":0.3,"note":"Rate: range 7% of the average","readings":[{"label":"Rate","value":"range 7% of the average","score":91,"decisive":true},{"label":"Deposits","value":"at this week's high","score":95,"decisive":false},{"label":"Available liquidity","value":"this week's low, $1.2M, was 1% below the usual level","score":94,"decisive":false}]},"size":{"score":58.8121,"baseWeight":0.2,"note":"$12.7M TVL","detail":"$12,711,310 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":50,"baseWeight":0.15,"neutral":true,"note":"wstETH: no Pharos grade, counted as 50"}},"liquidationLtvPct":86,"ungradedAsset":"wstETH","apySeries":[4.4874,4.4925,4.616,4.5548,4.4354,4.3152,4.4136,4.6141],"historyLatestPct":4.6591},"spotRatePct":4.6591,"spotBorrowRatePct":5.1786,"rateBasis":"7d","rateDays":7,"borrowRateBasis":"7d"},{"name":"USDC / 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100."},"stability":{"score":76.106,"baseWeight":0.3,"note":"Available liquidity: this week's low, $1.1M, was 5% below the usual level","readings":[{"label":"Rate","value":"range 6% of the average","score":91,"decisive":false},{"label":"Deposits","value":"1% below this week's high","score":94,"decisive":false},{"label":"Available liquidity","value":"this week's low, $1.1M, was 5% below the usual level","score":76,"decisive":true}]},"size":{"score":58.0596,"baseWeight":0.2,"note":"$12.0M TVL","detail":"$11,997,989 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":50,"baseWeight":0.15,"neutral":true,"note":"steakEURCV: no Pharos grade, counted as 50"}},"liquidationLtvPct":91.5,"ungradedAsset":"steakEURCV","apySeries":[4.3705,4.4923,4.6461,4.5999,4.5042,4.372,4.5335,4.6407],"historyLatestPct":4.6591},"spotRatePct":4.6591,"spotBorrowRatePct":5.1801,"rateBasis":"7d","rateDays":7,"borrowRateBasis":"7d"},{"name":"Presto USDC 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Fee changes and new allocators can take effect at once. New markets and higher caps wait 3 days. Withdrawals cannot be gated"],"createdAt":1783830887,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":2360946,"healthFlags":["A single key, not a multisig, holds the owner and curator roles of this vault. Fee changes and new allocators can take effect at once. New markets and higher caps wait 3 days. Withdrawals cannot be gated"],"healthFactor":{"score":67,"rawScore":67.1,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":44.6328,"baseWeight":0.35,"note":"$393,285 pro-rata","detail":"$393,285 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $2,360,946 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":98.2795,"baseWeight":0.3,"note":"Rate: range 1% of the average","readings":[{"label":"Rate","value":"range 1% of the average","score":98,"decisive":true},{"label":"Deposits","value":"at this week's high","score":100,"decisive":false}]},"size":{"score":43.8623,"baseWeight":0.2,"note":"$4.0M TVL","detail":"$4,035,184 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[4.4226,4.4227,4.423,4.4242,4.4491,4.4375,4.431,4.4766],"historyLatestPct":4.6484},"spotRatePct":4.6484,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"KPK USDC Prime","type":"Vault","asset":"USDC","chain":1,"address":"0x4ef53d2caa51c447fdfeeedee8f07fd1962c9ee6","url":"https://app.morpho.org/ethereum/vault/0x4Ef53d2cAa51C447fdFEEedee8F07FD1962C9ee6","ratePct":4.586828571428572,"avgRatePct":4.6529,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":30368423,"liquidityUsd":3124107,"feePct":0,"listed":true,"warnings":[],"createdAt":1761242519,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":26558572,"healthFlags":[],"healthFactor":{"score":84,"rawScore":83.7,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":80.0927,"baseWeight":0.35,"note":"$3.1M pro-rata","detail":"$3,124,107 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $26,558,572 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":94.6361,"baseWeight":0.3,"note":"Rate: range 4% of the average","readings":[{"label":"Rate","value":"range 4% of the average","score":95,"decisive":true},{"label":"Deposits","value":"at this week's high","score":100,"decisive":false}]},"size":{"score":70.159,"baseWeight":0.2,"note":"$30.4M TVL","detail":"$30,368,423 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[4.4683,4.5834,4.6419,4.6411,4.6358,4.5327,4.4797,4.5932],"historyLatestPct":4.5978},"spotRatePct":4.5978,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"USDC / PST","type":"Market","asset":"USDC","chain":1,"collateral":"PST","marketId":"0x002278ea242ec722813b4fe3c8eeaa07dbc331c731cc0b4248a1bf0771f933ea","url":"https://app.morpho.org/ethereum/variable/0x002278ea242ec722813b4fe3c8eeaa07dbc331c731cc0b4248a1bf0771f933ea","ratePct":6.382985714285716,"avgRatePct":6.4051,"rewardApyPct":null,"rewardIncluded":false,"borrowRatePct":7.469842857142857,"borrowInterestPct":null,"borrowRewardPct":null,"tvlUsd":37846999,"liquidityUsd":8823714,"utilizationPct":76.6858290047509,"listed":true,"warnings":[],"createdAt":1780066679,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidationLtvPct":86,"healthFlags":["Rate range 52% of the average this week","Today's available liquidity is 2.0× the usual level"],"healthFactor":{"score":71,"rawScore":70.9,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"market","factors":{"liquidity":{"score":97.8587,"baseWeight":0.35,"note":"$8.8M available","detail":"$8,823,714 available. $300k scores 40 and $10M or more scores 100."},"stability":{"score":48.5775,"baseWeight":0.3,"note":"Rate: range 52% of the average","readings":[{"label":"Rate","value":"range 52% of the average","score":49,"decisive":true},{"label":"Deposits","value":"at this week's high","score":95,"decisive":false},{"label":"Available liquidity","value":"this week's low, $3.0M, was 33% below the usual level","score":60,"decisive":false}]},"size":{"score":73.0273,"baseWeight":0.2,"note":"$37.8M TVL","detail":"$37,846,999 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":50,"baseWeight":0.15,"neutral":true,"note":"PST: no Pharos grade, counted as 50"}},"liquidationLtvPct":86,"ungradedAsset":"PST","apySeries":[7.4568,7.8964,7.1887,7.5056,7.7832,5.2613,4.5624,4.4833],"historyLatestPct":4.5748},"spotRatePct":4.5748,"spotBorrowRatePct":6.0067,"rateBasis":"7d","rateDays":7,"borrowRateBasis":"7d"},{"name":"Huma USDC Main","type":"Vault","asset":"USDC","chain":1,"address":"0x8ac91877b93330f52b2979a31a4879506021475c","url":"https://app.morpho.org/ethereum/vault/0x8aC91877b93330f52b2979a31a4879506021475c","ratePct":6.3899857142857135,"avgRatePct":6.401,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":12555602,"liquidityUsd":2927235,"feePct":0,"listed":true,"warnings":[],"createdAt":1780694075,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":8823714,"healthFlags":["Rate range 54% of the average this week"],"healthFactor":{"score":67,"rawScore":66.9,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":78.9789,"baseWeight":0.35,"note":"$2.9M pro-rata","detail":"$2,927,235 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $8,823,714 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":47.8655,"baseWeight":0.3,"note":"Rate: range 54% of the average","readings":[{"label":"Rate","value":"range 54% of the average","score":48,"decisive":true},{"label":"Deposits","value":"5% below this week's high","score":67,"decisive":false}]},"size":{"score":58.6515,"baseWeight":0.2,"note":"$12.6M TVL","detail":"$12,555,602 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[7.3461,7.8288,7.1682,7.446,7.9605,5.2939,4.5584,4.4741],"historyLatestPct":4.5708},"spotRatePct":4.5708,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"3F x Steakhouse USDC","type":"Vault","asset":"USDC","chain":1,"address":"0xbeef3f3a04e28895f3d5163d910474901981183d","url":"https://app.morpho.org/ethereum/vault/0xBEEf3f3A04e28895f3D5163d910474901981183D","ratePct":4.399071428571429,"avgRatePct":4.3578,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":14132877,"liquidityUsd":1384816,"feePct":0,"listed":true,"warnings":[],"createdAt":1768323779,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":4892177,"healthFlags":[],"healthFactor":{"score":76,"rawScore":75.9,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":66.1717,"baseWeight":0.35,"note":"$1.4M pro-rata","detail":"$1,384,816 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $4,892,177 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":91.5398,"baseWeight":0.3,"note":"Rate: range 6% of the average","readings":[{"label":"Rate","value":"range 6% of the average","score":92,"decisive":true},{"label":"Deposits","value":"at this week's high","score":95,"decisive":false}]},"size":{"score":60.1933,"baseWeight":0.2,"note":"$14.1M TVL","detail":"$14,132,877 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[4.3224,4.3351,4.3511,4.3079,4.3008,4.4098,4.525,4.5638],"historyLatestPct":4.5693},"spotRatePct":4.5693,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"USDC / 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100."},"stability":{"score":74.9268,"baseWeight":0.3,"note":"Deposits: 2% below this week's high","readings":[{"label":"Rate","value":"range 5% of the average","score":93,"decisive":false},{"label":"Deposits","value":"2% below this week's high","score":75,"decisive":true},{"label":"Available liquidity","value":"this week's low, $3.2M, was 2% below the usual level","score":92,"decisive":false}]},"size":{"score":70.89500435668394,"baseWeight":0.2,"note":"$32.1M TVL","detail":"$32,133,256 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":50,"baseWeight":0.15,"neutral":true,"note":"wstETH: no Pharos grade, counted as 50"}},"liquidationLtvPct":86,"ungradedAsset":"wstETH","apySeries":[4.4301,4.4978,4.5021,4.5218,4.4467,4.3103,4.4293,4.4971],"historyLatestPct":4.5535},"spotRatePct":4.5535,"spotBorrowRatePct":5.0631,"rateBasis":"7d","rateDays":7,"borrowRateBasis":"7d"},{"name":"Galaxy USDC 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New markets, higher caps and new allocators wait 3 days. Fee changes wait 7 days. Withdrawals cannot be gated"],"createdAt":1775493839,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":10006212,"healthFlags":["A single key, not a multisig, holds the owner and curator roles of this vault. New markets, higher caps and new allocators wait 3 days. Fee changes wait 7 days. Withdrawals cannot be gated"],"healthFactor":{"score":73,"rawScore":73.4,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":60.6893,"baseWeight":0.35,"note":"$1.0M pro-rata","detail":"$1,005,176 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $10,006,212 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":92.4406,"baseWeight":0.3,"note":"Rate: range 5% of the average","readings":[{"label":"Rate","value":"range 5% of the average","score":92,"decisive":true},{"label":"Deposits","value":"at this week's high","score":100,"decisive":false}]},"size":{"score":55.9166,"baseWeight":0.2,"note":"$10.2M TVL","detail":"$10,178,321 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[4.2838,4.4072,4.5184,4.5013,4.4494,4.3511,4.4136,4.521],"historyLatestPct":4.5477},"spotRatePct":4.5477,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"USDC / AA_FalconXUSDC","type":"Market","asset":"USDC","chain":1,"collateral":"AA_FalconXUSDC","marketId":"0xe83d72fa5b00dcd46d9e0e860d95aa540d5ec106da5833108a9f826f21f36f52","url":"https://app.morpho.org/ethereum/variable/0xe83d72fa5b00dcd46d9e0e860d95aa540d5ec106da5833108a9f826f21f36f52","ratePct":4.482214285714286,"avgRatePct":5.4782,"rewardApyPct":null,"rewardIncluded":false,"borrowRatePct":5.338814285714285,"borrowInterestPct":null,"borrowRewardPct":null,"tvlUsd":8109447,"liquidityUsd":1111300,"utilizationPct":86.2962357516751,"listed":true,"warnings":[],"createdAt":1751575931,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidationLtvPct":77,"healthFlags":["Collateral AA_FalconXUSDC graded F (Monarch data as of Oct 16)"],"healthFactor":{"score":56,"rawScore":55.9,"tier":"Fair","rawTier":"Fair","ageTier":"Strong","protocolName":"Morpho","unit":"market","factors":{"liquidity":{"score":62.4066,"baseWeight":0.35,"note":"$1.1M available","detail":"$1,111,300 available. $300k scores 40 and $10M or more scores 100."},"stability":{"score":53.2556,"baseWeight":0.3,"note":"Available liquidity: this week's low, $705,022, was 44% below the usual level","readings":[{"label":"Rate","value":"range 7% of the average","score":90,"decisive":false},{"label":"Deposits","value":"3% below this week's high","score":72,"decisive":false},{"label":"Available liquidity","value":"this week's low, $705,022, was 44% below the usual level","score":53,"decisive":true}]},"size":{"score":52.9561,"baseWeight":0.2,"note":"$8.1M TVL","detail":"$8,109,447 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":50,"baseWeight":0.15,"neutral":true,"note":"AA_FalconXUSDC: no Pharos grade, counted as 50"}},"liquidationLtvPct":77,"ungradedAsset":"AA_FalconXUSDC","apySeries":[4.2567,4.4142,4.5777,4.5661,4.4021,4.3663,4.5166,4.5325],"historyLatestPct":4.527},"spotRatePct":4.527,"spotBorrowRatePct":5.2646,"rateBasis":"7d","rateDays":7,"borrowRateBasis":"7d"},{"name":"Wintermute USDC Prime","type":"Vault","asset":"USDC","chain":1,"address":"0x5dc53a23adc9f2bed98de6f59f7f309a7c71ff2b","url":"https://app.morpho.org/ethereum/vault/0x5dc53a23AdC9f2Bed98de6F59F7F309a7c71FF2B","ratePct":4.450271428571428,"avgRatePct":4.4866,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":14603312,"liquidityUsd":1442471,"feePct":0,"listed":true,"warnings":[],"createdAt":1776870635,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":14603312,"healthFlags":[],"healthFactor":{"score":77,"rawScore":76.6,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":66.8696,"baseWeight":0.35,"note":"$1.4M pro-rata","detail":"$1,442,471 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $14,603,312 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":92.8997,"baseWeight":0.3,"note":"Rate: range 5% of the average","readings":[{"label":"Rate","value":"range 5% of the average","score":93,"decisive":true},{"label":"Deposits","value":"at this week's high","score":97,"decisive":false}]},"size":{"score":60.6199,"baseWeight":0.2,"note":"$14.6M TVL","detail":"$14,603,312 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[4.2936,4.418,4.5106,4.5005,4.4629,4.3466,4.397,4.5163],"historyLatestPct":4.522},"spotRatePct":4.522,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"Yearn USDC","type":"Vault","asset":"USDC","chain":1,"address":"0x68aea7b82df6ccdf76235d46445ed83f85f845a3","url":"https://app.morpho.org/ethereum/vault/0x68Aea7b82Df6CcdF76235D46445Ed83f85F845A3","ratePct":4.4471,"avgRatePct":4.4816,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":6181199,"liquidityUsd":610527,"feePct":0,"listed":true,"warnings":[],"createdAt":1749032627,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":6181199,"healthFlags":[],"healthFactor":{"score":69,"rawScore":69.2,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":52.1579,"baseWeight":0.35,"note":"$610,527 pro-rata","detail":"$610,527 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $6,181,199 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":93.0066,"baseWeight":0.3,"note":"Rate: range 5% of the average","readings":[{"label":"Rate","value":"range 5% of the average","score":93,"decisive":true},{"label":"Deposits","value":"at this week's high","score":100,"decisive":false}]},"size":{"score":49.4185,"baseWeight":0.2,"note":"$6.2M TVL","detail":"$6,181,199 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[4.292,4.4234,4.5035,4.5006,4.4385,4.369,4.3835,4.5112],"historyLatestPct":4.5199},"spotRatePct":4.5199,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"Gauntlet USDC Prime","type":"Vault","asset":"USDC","chain":1,"address":"0x8c106eedad96553e64287a5a6839c3cc78afa3d0","url":"https://app.morpho.org/ethereum/vault/0x8c106EEDAd96553e64287A5A6839c3Cc78afA3D0","ratePct":4.450928571428571,"avgRatePct":4.4817,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":127066286,"liquidityUsd":12552035,"feePct":0,"listed":true,"warnings":[],"createdAt":1759276139,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":50501554,"healthFlags":[],"healthFactor":{"score":88,"rawScore":88.2,"tier":"Strong","rawTier":"Strong","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":100,"baseWeight":0.35,"note":"$12.6M pro-rata","detail":"$12,552,035 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $50,501,554 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":74.2051,"baseWeight":0.3,"note":"Deposits: 2% below this week's high","readings":[{"label":"Rate","value":"range 5% of the average","score":93,"decisive":false},{"label":"Deposits","value":"2% below this week's high","score":74,"decisive":true}]},"size":{"score":88.8073,"baseWeight":0.2,"note":"$127.1M TVL","detail":"$127,066,286 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[4.2925,4.4192,4.5116,4.5021,4.4699,4.346,4.3908,4.5169],"historyLatestPct":4.5156},"spotRatePct":4.5156,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"Spark USDC Vault","type":"Vault","asset":"USDC","chain":8453,"address":"0x7bfa7c4f149e7415b73bdedfe609237e29cbf34a","url":"https://app.morpho.org/base/vault/0x7BfA7C4f149E7415b73bdeDfe609237e29CBF34A","ratePct":4.227128571428572,"avgRatePct":4.0148,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":502981777,"liquidityUsd":48264262,"feePct":10,"listed":true,"warnings":[],"createdAt":1735575215,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":168175327,"healthFlags":[],"healthFactor":{"score":96,"rawScore":96.2,"tier":"Strong","rawTier":"Strong","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":100,"baseWeight":0.35,"note":"$48.3M pro-rata","detail":"$48,264,262 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $168,175,327 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":93.1988,"baseWeight":0.3,"note":"Rate: range 5% of the average","readings":[{"label":"Rate","value":"range 5% of the average","score":93,"decisive":true},{"label":"Deposits","value":"at this week's high","score":100,"decisive":false}]},"size":{"score":100,"baseWeight":0.2,"note":"$503.0M TVL","detail":"$502,981,777 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[4.1503,4.1423,4.1421,4.2111,4.2409,4.2623,4.2461,4.3451],"historyLatestPct":4.5153},"spotRatePct":4.5153,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"Pangolins USDC","type":"Vault","asset":"USDC","chain":8453,"address":"0x1401d1271c47648ac70cbcdfa3776d4a87ce006b","url":"https://app.morpho.org/base/vault/0x1401d1271C47648AC70cBcdfA3776D4A87CE006B","ratePct":4.227085714285715,"avgRatePct":4.0147,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":10743581,"liquidityUsd":1030914,"feePct":10,"listed":true,"warnings":[],"createdAt":1763007033,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":10743581,"healthFlags":[],"healthFactor":{"score":63,"rawScore":62.9,"tier":"Fair","rawTier":"Fair","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":61.1219,"baseWeight":0.35,"note":"$1.0M pro-rata","detail":"$1,030,914 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $10,743,581 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":56.6839,"baseWeight":0.3,"note":"Deposits: 8% below this week's high","readings":[{"label":"Rate","value":"range 5% of the average","score":93,"decisive":false},{"label":"Deposits","value":"8% below this week's high","score":57,"decisive":true}]},"size":{"score":56.6208,"baseWeight":0.2,"note":"$10.7M TVL","detail":"$10,743,581 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[4.1503,4.1423,4.142,4.2111,4.2408,4.2622,4.2461,4.3451],"historyLatestPct":4.5151},"spotRatePct":4.5151,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"Osero x Gauntlet USDC Prime","type":"Vault","asset":"USDC","chain":1,"address":"0x802148d518a6de2af866f9a61ffb5e5c39156db2","url":"https://app.morpho.org/ethereum/vault/0x802148D518A6De2aF866f9A61ffB5e5C39156dB2","ratePct":4.444725,"avgRatePct":4.3774,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":5000333,"liquidityUsd":493997,"feePct":0,"listed":true,"warnings":[],"createdAt":1789423979,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":5000333,"healthFlags":[],"healthFactor":{"score":64,"rawScore":67.2,"tier":"Fair","rawTier":"Solid","cappedByMaturity":true,"ageTier":"Fair","ageReason":"new","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":48.5339,"baseWeight":0.35,"note":"$493,997 pro-rata","detail":"$493,997 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $5,000,333 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":92.3209,"baseWeight":0.3,"note":"Rate: range 5% of the average","readings":[{"label":"Rate","value":"range 5% of the average","score":92,"decisive":true},{"label":"Deposits","value":"at this week's high","score":100,"decisive":false}]},"size":{"score":46.6563,"baseWeight":0.2,"note":"$5.0M TVL","detail":"$5,000,333 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[4.5627,4.3211,4.3796,4.5155],"historyLatestPct":4.5118},"spotRatePct":4.5118,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":4},{"name":"Steakhouse Prime USDC","type":"Vault","asset":"USDC","chain":1,"address":"0xbeef088055857739c12cd3765f20b7679def0f51","url":"https://app.morpho.org/ethereum/vault/0xbeef088055857739C12CD3765F20b7679Def0f51","ratePct":4.482014285714286,"avgRatePct":4.4775,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":101665269,"liquidityUsd":10068057,"feePct":0,"listed":true,"warnings":[],"createdAt":1761602363,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":56249159,"healthFlags":["Deposits down 12% this week"],"healthFactor":{"score":79,"rawScore":79.3,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":100,"baseWeight":0.35,"note":"$10.1M pro-rata","detail":"$10,068,057 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $56,249,159 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":46.4695,"baseWeight":0.3,"note":"Deposits: 12% below this week's high","readings":[{"label":"Rate","value":"range 5% of the average","score":93,"decisive":false},{"label":"Deposits","value":"12% below this week's high","score":46,"decisive":true}]},"size":{"score":85.9015,"baseWeight":0.2,"note":"$101.7M TVL","detail":"$101,665,269 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[4.3192,4.4435,4.5489,4.5298,4.5085,4.3668,4.431,4.5456],"historyLatestPct":4.5118},"spotRatePct":4.5118,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"Uniswap USDC","type":"Vault","asset":"USDC","chain":1,"address":"0x5b453493d2328e7f747eb2e66446efe707728be7","url":"https://app.morpho.org/ethereum/vault/0x5B453493D2328E7F747eb2e66446eFe707728be7","ratePct":4.449685714285714,"avgRatePct":4.484951742772844,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":5985522,"liquidityUsd":591359,"feePct":0,"listed":true,"warnings":[],"createdAt":1780943831,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":5985522,"healthFlags":[],"healthFactor":{"score":63,"rawScore":63.3,"tier":"Fair","rawTier":"Fair","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":51.6121,"baseWeight":0.35,"note":"$591,359 pro-rata","detail":"$591,359 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $5,985,522 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":74.1554,"baseWeight":0.3,"note":"Deposits: 2% below this week's high","readings":[{"label":"Rate","value":"range 5% of the average","score":93,"decisive":false},{"label":"Deposits","value":"2% below this week's high","score":74,"decisive":true}]},"size":{"score":48.9994,"baseWeight":0.2,"note":"$6.0M TVL","detail":"$5,985,522 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[4.2894,4.4221,4.5079,4.5018,4.481,4.3405,4.3795,4.515],"historyLatestPct":4.5094},"spotRatePct":4.5094,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"USDC / cbBTC","type":"Market","asset":"USDC","chain":1,"collateral":"cbBTC","marketId":"0x64d65c9a2d91c36d56fbc42d69e979335320169b3df63bf92789e2c8883fcc64","url":"https://app.morpho.org/ethereum/variable/0x64d65c9a2d91c36d56fbc42d69e979335320169b3df63bf92789e2c8883fcc64","ratePct":4.4387,"avgRatePct":4.4553,"rewardApyPct":null,"rewardIncluded":false,"borrowRatePct":4.947814285714285,"borrowInterestPct":null,"borrowRewardPct":null,"tvlUsd":343055281,"liquidityUsd":33893875,"utilizationPct":90.1199962609017,"listed":true,"warnings":[],"createdAt":1725479483,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidationLtvPct":86,"healthFlags":["90% utilisation"],"healthFactor":{"score":90,"rawScore":90,"tier":"Strong","rawTier":"Strong","ageTier":"Strong","protocolName":"Morpho","unit":"market","factors":{"liquidity":{"score":100,"baseWeight":0.35,"note":"$33.9M available","detail":"$33,893,875 available. $300k scores 40 and $10M or more scores 100."},"stability":{"score":91.5512,"baseWeight":0.3,"note":"Available liquidity: this week's low, $33.2M, was 2% below the usual level","readings":[{"label":"Rate","value":"range 5% of the average","score":93,"decisive":false},{"label":"Deposits","value":"at this week's high","score":100,"decisive":false},{"label":"Available liquidity","value":"this week's low, $33.2M, was 2% below the usual level","score":92,"decisive":true}]},"size":{"score":100,"baseWeight":0.2,"note":"$343.1M TVL","detail":"$343,055,281 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":50,"baseWeight":0.15,"neutral":true,"note":"cbBTC: no Pharos grade, counted as 50"}},"liquidationLtvPct":86,"ungradedAsset":"cbBTC","apySeries":[4.2828,4.4255,4.4998,4.5008,4.4518,4.3161,4.3765,4.5004],"historyLatestPct":4.5},"spotRatePct":4.5,"spotBorrowRatePct":5.0055,"rateBasis":"7d","rateDays":7,"borrowRateBasis":"7d"},{"name":"Gauntlet EURC Balanced","type":"Vault","asset":"EURC","chain":8453,"address":"0x94af495de1f56aa5576deb17986bdcee5dd9778d","url":"https://app.morpho.org/base/vault/0x94Af495DE1F56Aa5576dEB17986bDCeE5Dd9778D","ratePct":4.0258714285714285,"avgRatePct":3.1835,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":1610800,"liquidityUsd":442206,"feePct":0,"listed":true,"warnings":[],"createdAt":1769017313,"assetLogo":"https://cdn.morpho.org/assets/logos/eurc.svg","liquidityShownUsd":838885,"healthFlags":[],"healthFactor":{"score":49,"rawScore":48.8,"tier":"Fair","rawTier":"Fair","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":46.6389,"baseWeight":0.35,"note":"$442,206 pro-rata","detail":"$442,206 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $838,885 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":52.7794,"baseWeight":0.3,"note":"Rate: range 46% of the average","readings":[{"label":"Rate","value":"range 46% of the average","score":53,"decisive":true},{"label":"Deposits","value":"at this week's high","score":98,"decisive":false}]},"size":{"score":20.9404,"baseWeight":0.2,"note":"$1.6M TVL","detail":"$1,610,800 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":83,"baseWeight":0.15,"note":"EURC: Pharos safety grade A (83/100)"}},"liquidationLtvPct":null,"apySeries":[3.0859,3.2506,3.6379,3.4543,4.1728,3.9435,4.8222,4.8998],"historyLatestPct":4.486},"spotRatePct":4.486,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"USDC / 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more scores 100."},"stability":{"score":61.618,"baseWeight":0.3,"note":"Rate: range 35% of the average","readings":[{"label":"Rate","value":"range 35% of the average","score":62,"decisive":true},{"label":"Deposits","value":"at this week's high","score":100,"decisive":false},{"label":"Available liquidity","value":"this week's low, $1.4M, was 11% below the usual level","score":72,"decisive":false}]},"size":{"score":62.0249,"baseWeight":0.2,"note":"$16.3M TVL","detail":"$16,266,177 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":50,"baseWeight":0.15,"neutral":true,"note":"apyUSD: no Pharos grade, counted as 50"}},"liquidationLtvPct":86,"ungradedAsset":"apyUSD","apySeries":[5.3239,4.728,5.3536,6.3054,6.1585,4.4705,4.7736,4.8398],"historyLatestPct":4.4382},"spotRatePct":4.4382,"spotBorrowRatePct":5.0345,"rateBasis":"7d","rateDays":7,"borrowRateBasis":"7d"},{"name":"USDC / 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100."},"stability":{"score":52.7513,"baseWeight":0.3,"note":"Deposits: 9% below this week's high","readings":[{"label":"Rate","value":"range 7% of the average","score":90,"decisive":false},{"label":"Deposits","value":"9% below this week's high","score":53,"decisive":true},{"label":"Available liquidity","value":"this week's low, $3.9M, was 9% below the usual level","score":73,"decisive":false}]},"size":{"score":73.6862,"baseWeight":0.2,"note":"$39.8M TVL","detail":"$39,810,132 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":50,"baseWeight":0.15,"neutral":true,"note":"weETH: no Pharos grade, counted as 50"}},"liquidationLtvPct":86,"ungradedAsset":"weETH","apySeries":[4.363,4.5555,4.6891,4.6187,4.6869,4.3702,4.5948,4.5508],"historyLatestPct":4.4294},"spotRatePct":4.4294,"spotBorrowRatePct":4.9335,"rateBasis":"7d","rateDays":7,"borrowRateBasis":"7d"},{"name":"PYUSD / PRIME","type":"Market","asset":"PYUSD","chain":1,"collateral":"PRIME","marketId":"0x41c41d0c9aadbf4751f5ee215ed5a16954a4b34e1b70fca5393d4b08858fa3fa","url":"https://app.morpho.org/ethereum/variable/0x41c41d0c9aadbf4751f5ee215ed5a16954a4b34e1b70fca5393d4b08858fa3fa","ratePct":4.630057142857143,"avgRatePct":4.5785,"rewardApyPct":null,"rewardIncluded":false,"borrowRatePct":5.173557142857143,"borrowInterestPct":null,"borrowRewardPct":null,"tvlUsd":207178257,"liquidityUsd":23373970,"utilizationPct":88.71794274287204,"listed":true,"warnings":[],"createdAt":1778271911,"assetLogo":"https://cdn.morpho.org/assets/logos/pyusd.svg","liquidationLtvPct":86,"healthFlags":[],"healthFactor":{"score":86,"rawScore":86.1,"tier":"Strong","rawTier":"Strong","ageTier":"Strong","protocolName":"Morpho","unit":"market","factors":{"liquidity":{"score":100,"baseWeight":0.35,"note":"$23.4M available","detail":"$23,373,970 available. $300k scores 40 and $10M or more scores 100."},"stability":{"score":81.9713,"baseWeight":0.3,"note":"Available liquidity: this week's low, $20.4M, was 4% below the usual level","readings":[{"label":"Rate","value":"range 8% of the average","score":88,"decisive":false},{"label":"Deposits","value":"1% below this week's high","score":85,"decisive":false},{"label":"Available liquidity","value":"this week's low, $20.4M, was 4% below the usual level","score":82,"decisive":true}]},"size":{"score":95.1767,"baseWeight":0.2,"note":"$207.2M TVL","detail":"$207,178,257 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":50,"baseWeight":0.15,"neutral":true,"note":"PRIME: no Pharos grade, counted as 50"}},"liquidationLtvPct":86,"ungradedAsset":"PRIME","apySeries":[4.7171,4.7764,4.8195,4.8411,4.5445,4.508,4.4542,4.4667],"historyLatestPct":4.4273},"spotRatePct":4.4273,"spotBorrowRatePct":5.0041,"rateBasis":"7d","rateDays":7,"borrowRateBasis":"7d"},{"name":"Moonwell Flagship USDC","type":"Vault","asset":"USDC","chain":8453,"address":"0xc1256ae5ff1cf2719d4937adb3bbccab2e00a2ca","url":"https://app.morpho.org/base/vault/0xc1256Ae5FF1cf2719D4937adb3bbCCab2E00A2Ca","ratePct":4.148471428571429,"avgRatePct":3.9437,"rewardApyPct":0.1310277695628567,"rewardIncluded":true,"rewardTokens":["WELL"],"tvlUsd":3539393,"liquidityUsd":340894,"feePct":15,"listed":true,"warnings":[],"createdAt":1718030247,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":3539393,"healthFlags":[],"healthFactor":{"score":57,"rawScore":56.6,"tier":"Fair","rawTier":"Fair","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":42.1866,"baseWeight":0.35,"note":"$340,894 pro-rata","detail":"$340,894 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $3,539,393 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":67.35,"baseWeight":0.3,"note":"Deposits: 5% below this week's high","readings":[{"label":"Rate","value":"range 4% of the average","score":95,"decisive":false},{"label":"Deposits","value":"5% below this week's high","score":67,"decisive":true}]},"size":{"score":42.1542,"baseWeight":0.2,"note":"$3.5M TVL","detail":"$3,539,393 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[4.1211,4.081,4.0895,4.1559,4.1901,4.1635,4.1321,4.2272],"historyLatestPct":4.384},"spotRatePct":4.384,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"Steakhouse USDC","type":"Vault","asset":"USDC","chain":1,"address":"0xbeef01735c132ada46aa9aa4c54623caa92a64cb","url":"https://app.morpho.org/ethereum/vault/0xBEEF01735c132Ada46AA9aA4c54623cAA92A64CB","ratePct":4.259685714285713,"avgRatePct":4.2752,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":66591591,"liquidityUsd":6581776,"feePct":5,"listed":true,"warnings":[],"createdAt":1704302495,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":51734615,"healthFlags":[],"healthFactor":{"score":90,"rawScore":89.6,"tier":"Strong","rawTier":"Strong","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":92.8429,"baseWeight":0.35,"note":"$6.6M pro-rata","detail":"$6,581,776 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $51,734,615 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":92.7076,"baseWeight":0.3,"note":"Rate: range 5% of the average","readings":[{"label":"Rate","value":"range 5% of the average","score":93,"decisive":true},{"label":"Deposits","value":"at this week's high","score":100,"decisive":false}]},"size":{"score":80.3889,"baseWeight":0.2,"note":"$66.6M TVL","detail":"$66,591,591 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[4.1093,4.233,4.3283,4.3083,4.2628,4.1575,4.2157,4.3122],"historyLatestPct":4.3256},"spotRatePct":4.3256,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"Vault Bridge USDC","type":"Vault","asset":"USDC","chain":1,"address":"0xbeefb9f61cc44895d8aec381373555a64191a9c4","url":"https://app.morpho.org/ethereum/vault/0xBEefb9f61CC44895d8AEc381373555a64191A9c4","ratePct":4.235314285714287,"avgRatePct":4.318,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":9652627,"liquidityUsd":953546,"feePct":5,"listed":true,"warnings":[],"createdAt":1747307435,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":9652627,"healthFlags":[],"healthFactor":{"score":62,"rawScore":62.3,"tier":"Fair","rawTier":"Fair","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":59.787,"baseWeight":0.35,"note":"$953,546 pro-rata","detail":"$953,546 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $9,652,627 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":56.9589,"baseWeight":0.3,"note":"Deposits: 8% below this week's high","readings":[{"label":"Rate","value":"range 5% of the average","score":92,"decisive":false},{"label":"Deposits","value":"8% below this week's high","score":57,"decisive":true}]},"size":{"score":55.2257,"baseWeight":0.2,"note":"$9.7M TVL","detail":"$9,652,627 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[4.072,4.1821,4.281,4.2669,4.1824,4.2675,4.1657,4.3016],"historyLatestPct":4.3225},"spotRatePct":4.3225,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"Gauntlet USDC Core","type":"Vault","asset":"USDC","chain":1,"address":"0x8eb67a509616cd6a7c1b3c8c21d48ff57df3d458","url":"https://app.morpho.org/ethereum/vault/0x8eB67A509616cd6A7c1B3c8C21D48FF57df3d458","ratePct":4.378042857142857,"avgRatePct":4.381,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":3541410,"liquidityUsd":386839,"feePct":5,"listed":true,"warnings":[],"createdAt":1714594067,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":2817749,"healthFlags":[],"healthFactor":{"score":60,"rawScore":59.9,"tier":"Fair","rawTier":"Fair","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":44.35,"baseWeight":0.35,"note":"$386,839 pro-rata","detail":"$386,839 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $2,817,749 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":75.7722,"baseWeight":0.3,"note":"Rate: range 17% of the average","readings":[{"label":"Rate","value":"range 17% of the average","score":76,"decisive":true},{"label":"Deposits","value":"at this week's high","score":100,"decisive":false}]},"size":{"score":42.1616,"baseWeight":0.2,"note":"$3.5M TVL","detail":"$3,541,410 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[4.1645,4.2758,4.9109,4.4278,4.2444,4.2686,4.2071,4.3117],"historyLatestPct":4.3193},"spotRatePct":4.3193,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"Gauntlet USDC Prime","type":"Vault","asset":"USDC","chain":1,"address":"0xdd0f28e19c1780eb6396170735d45153d261490d","url":"https://app.morpho.org/ethereum/vault/0xdd0f28e19C1780eb6396170735D45153D261490d","ratePct":4.259471428571429,"avgRatePct":4.3061,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":24006069,"liquidityUsd":2371613,"feePct":5,"listed":true,"warnings":[],"createdAt":1709681915,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":21201259,"healthFlags":[],"healthFactor":{"score":81,"rawScore":81.4,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":75.3773,"baseWeight":0.35,"note":"$2.4M pro-rata","detail":"$2,371,613 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $21,201,259 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":94.6623,"baseWeight":0.3,"note":"Rate: range 4% of the average","readings":[{"label":"Rate","value":"range 4% of the average","score":95,"decisive":true},{"label":"Deposits","value":"at this week's high","score":100,"decisive":false}]},"size":{"score":67.096,"baseWeight":0.2,"note":"$24.0M TVL","detail":"$24,006,069 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[4.1607,4.2511,4.287,4.2749,4.1925,4.3212,4.1922,4.2974],"historyLatestPct":4.3148},"spotRatePct":4.3148,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"Apyx USDC","type":"Vault","asset":"USDC","chain":1,"address":"0x069662d2588fcac24b5c209456db965d151556f0","url":"https://app.morpho.org/ethereum/vault/0x069662D2588fcaC24B5c209456Db965D151556f0","ratePct":4.6923142857142865,"avgRatePct":4.1594,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":4517490,"liquidityUsd":543369,"feePct":8,"listed":true,"warnings":["A single key, not a multisig, holds the curator role of this vault. A multisig holds the owner role. Fee changes and new allocators can take effect at once. New markets and higher caps wait 3 days. Withdrawals cannot be gated"],"createdAt":1779956075,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":2912178,"healthFlags":["A single key, not a multisig, holds the curator role of this vault. A multisig holds the owner role. Fee changes and new allocators can take effect at once. New markets and higher caps wait 3 days. Withdrawals cannot be gated"],"healthFactor":{"score":57,"rawScore":57.4,"tier":"Fair","rawTier":"Fair","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":50.1639,"baseWeight":0.35,"note":"$543,369 pro-rata","detail":"$543,369 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $2,912,178 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":58.4524,"baseWeight":0.3,"note":"Rate: range 39% of the average","readings":[{"label":"Rate","value":"range 39% of the average","score":58,"decisive":true},{"label":"Deposits","value":"3% below this week's high","score":71,"decisive":false}]},"size":{"score":45.3333,"baseWeight":0.2,"note":"$4.5M TVL","detail":"$4,517,490 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[4.9941,4.4971,5.0991,5.7617,5.4559,4.0485,3.9133,4.0706],"historyLatestPct":4.23},"spotRatePct":4.23,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"SwissBorg Morpho USDC","type":"Vault","asset":"USDC","chain":1,"address":"0x4ff4186188f8406917293a9e01a1ca16d3cf9e59","url":"https://app.morpho.org/ethereum/vault/0x4Ff4186188f8406917293A9e01A1ca16d3cf9E59","ratePct":4.009485714285715,"avgRatePct":4.0516,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":8839882,"liquidityUsd":1270847,"feePct":5,"listed":true,"warnings":[],"createdAt":1725289259,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":8839882,"healthFlags":[],"healthFactor":{"score":75,"rawScore":74.7,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":64.7021,"baseWeight":0.35,"note":"$1.3M pro-rata","detail":"$1,270,847 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $8,839,882 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":93.464,"baseWeight":0.3,"note":"Rate: range 5% of the average","readings":[{"label":"Rate","value":"range 5% of the average","score":93,"decisive":true},{"label":"Deposits","value":"at this week's high","score":100,"decisive":false}]},"size":{"score":54.0798,"baseWeight":0.2,"note":"$8.8M TVL","detail":"$8,839,882 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[3.8804,3.9884,4.0572,4.0546,3.9915,3.9556,3.9539,4.0652],"historyLatestPct":4.0812},"spotRatePct":4.0812,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"PYUSD / syrupUSDC","type":"Market","asset":"PYUSD","chain":1,"collateral":"syrupUSDC","marketId":"0xc9629945524f3fde56c7e8854a6c3d48e76b9d97236abbe73c750fcc7aeb8501","url":"https://app.morpho.org/ethereum/variable/0xc9629945524f3fde56c7e8854a6c3d48e76b9d97236abbe73c750fcc7aeb8501","ratePct":3.895542857142857,"avgRatePct":4.2174,"rewardApyPct":null,"rewardIncluded":false,"borrowRatePct":4.422271428571428,"borrowInterestPct":null,"borrowRewardPct":null,"tvlUsd":57984321,"liquidityUsd":6005721,"utilizationPct":89.6425089042191,"listed":true,"warnings":[],"createdAt":1765732559,"assetLogo":"https://cdn.morpho.org/assets/logos/pyusd.svg","liquidationLtvPct":91.5,"healthFlags":["Deposits down 11% this week"],"healthFactor":{"score":70,"rawScore":70.2,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"market","factors":{"liquidity":{"score":91.2757,"baseWeight":0.35,"note":"$6.0M available","detail":"$6,005,721 available. $300k scores 40 and $10M or more scores 100."},"stability":{"score":48.7842,"baseWeight":0.3,"note":"Deposits: 11% below this week's high","readings":[{"label":"Rate","value":"range 5% of the average","score":93,"decisive":false},{"label":"Deposits","value":"11% below this week's high","score":49,"decisive":true},{"label":"Available liquidity","value":"this week's low, $6.0M, was 10% below the usual level","score":73,"decisive":false}]},"size":{"score":78.5857,"baseWeight":0.2,"note":"$58.0M TVL","detail":"$57,984,321 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":53,"baseWeight":0.15,"note":"syrupUSDC: Pharos safety grade C- (53/100)"}},"liquidationLtvPct":91.5,"apySeries":[3.8201,3.7944,3.8203,3.8399,3.8743,3.9769,3.9819,3.9811],"historyLatestPct":3.9809},"spotRatePct":3.9809,"spotBorrowRatePct":4.451,"rateBasis":"7d","rateDays":7,"borrowRateBasis":"7d"},{"name":"AUSD / PRIME","type":"Market","asset":"AUSD","chain":1,"collateral":"PRIME","marketId":"0x5131d0b823d726a4080951ee49f0cbd57d0fd53776c7d8aeceb76dd9a22a1695","url":"https://app.morpho.org/ethereum/variable/0x5131d0b823d726a4080951ee49f0cbd57d0fd53776c7d8aeceb76dd9a22a1695","ratePct":3.9578428571428574,"avgRatePct":4.0812,"rewardApyPct":null,"rewardIncluded":false,"borrowRatePct":4.388571428571429,"borrowInterestPct":null,"borrowRewardPct":null,"tvlUsd":4388663,"liquidityUsd":429604,"utilizationPct":90.21103954692495,"listed":true,"warnings":[],"createdAt":1787154251,"assetLogo":"https://cdn.morpho.org/assets/logos/ausd.svg","liquidationLtvPct":86,"healthFlags":["90% utilisation","Deposits down 22% this week"],"healthFactor":{"score":40,"rawScore":40.4,"tier":"Weak","rawTier":"Weak","ageTier":"Fair","ageReason":"new","protocolName":"Morpho","unit":"market","factors":{"liquidity":{"score":46.1442,"baseWeight":0.35,"note":"$429,604 available","detail":"$429,604 available. $300k scores 40 and $10M or more scores 100."},"stability":{"score":26.0096,"baseWeight":0.3,"note":"Deposits: 22% below this week's high","readings":[{"label":"Rate","value":"range 5% of the average","score":92,"decisive":false},{"label":"Deposits","value":"22% below this week's high","score":26,"decisive":true},{"label":"Available liquidity","value":"this week's low, $429,556, was 20% below the usual level","score":67,"decisive":false}]},"size":{"score":44.9563,"baseWeight":0.2,"note":"$4.4M TVL","detail":"$4,388,663 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":50,"baseWeight":0.15,"neutral":true,"note":"PRIME: no Pharos grade, counted as 50"}},"liquidationLtvPct":86,"ungradedAsset":"PRIME","apySeries":[3.8597,3.8676,3.9542,4.0433,4.0492,4.0434,3.9124,3.8348],"historyLatestPct":3.8358},"spotRatePct":3.8358,"spotBorrowRatePct":4.2608,"rateBasis":"7d","rateDays":7,"borrowRateBasis":"7d"},{"name":"USDG / USDe","type":"Market","asset":"USDG","chain":4663,"collateral":"USDe","marketId":"0xc845da65a020ddca5f132efa8fea79676d8edfdea504226a4c01e7a9e34cddd6","url":"https://app.morpho.org/robinhood-chain/variable/0xc845da65a020ddca5f132efa8fea79676d8edfdea504226a4c01e7a9e34cddd6","ratePct":4.106857142857143,"avgRatePct":3.8983,"rewardApyPct":null,"rewardIncluded":false,"borrowRatePct":4.571885714285714,"borrowInterestPct":null,"borrowRewardPct":null,"tvlUsd":348394111,"liquidityUsd":35424508,"utilizationPct":89.83205898838031,"listed":true,"warnings":[],"createdAt":1781002198,"assetLogo":"https://cdn.morpho.org/assets/logos/usdg.svg","liquidationLtvPct":91.5,"healthFlags":[],"healthFactor":{"score":85,"rawScore":84.8,"tier":"Strong","rawTier":"Strong","ageTier":"Strong","protocolName":"Morpho","unit":"market","factors":{"liquidity":{"score":100,"baseWeight":0.35,"note":"$35.4M available","detail":"$35,424,508 available. $300k scores 40 and $10M or more scores 100."},"stability":{"score":67.6926,"baseWeight":0.3,"note":"Available liquidity: this week's low, $26.6M, was 18% below the usual level","readings":[{"label":"Rate","value":"range 19% of the average","score":74,"decisive":false},{"label":"Deposits","value":"4% below this week's high","score":69,"decisive":false},{"label":"Available liquidity","value":"this week's low, $26.6M, was 18% below the usual level","score":68,"decisive":true}]},"size":{"score":100,"baseWeight":0.2,"note":"$348.4M TVL","detail":"$348,394,111 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":63,"baseWeight":0.15,"note":"USDe: Pharos safety grade C+ (63/100)"}},"liquidationLtvPct":91.5,"apySeries":[3.9733,3.6869,3.73,4.2321,4.3585,4.4727,4.2858,3.982],"historyLatestPct":3.8207},"spotRatePct":3.8207,"spotBorrowRatePct":4.2623,"rateBasis":"7d","rateDays":7,"borrowRateBasis":"7d"},{"name":"Steakhouse 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Fee changes and new allocators can take effect at once. New markets and higher caps wait 7 days. Withdrawals cannot be gated"],"createdAt":1781277053,"assetLogo":"https://cdn.morpho.org/assets/logos/usdc.svg","liquidityShownUsd":4938488,"healthFlags":["Rate range 55% of the average this week","A single key, not a multisig, holds the owner and curator roles of this vault. Fee changes and new allocators can take effect at once. New markets and higher caps wait 7 days. Withdrawals cannot be gated"],"healthFactor":{"score":70,"rawScore":70.3,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":74.6539,"baseWeight":0.35,"note":"$2.3M pro-rata","detail":"$2,273,440 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. 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100."},"stability":{"score":71.329,"baseWeight":0.3,"note":"Available liquidity: this week's low, $2.4M, was 12% below the usual level","readings":[{"label":"Rate","value":"steady","score":100,"decisive":false},{"label":"Deposits","value":"1% below this week's high","score":89,"decisive":false},{"label":"Available liquidity","value":"this week's low, $2.4M, was 12% below the usual level","score":71,"decisive":true}]},"size":{"score":62.7016,"baseWeight":0.2,"note":"$17.1M TVL","detail":"$17,133,318 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":60,"baseWeight":0.15,"note":"sUSDS: Pharos safety grade C+ (60/100)"}},"liquidationLtvPct":96.5,"apySeries":[2.496,2.498,2.4972,2.4981,2.4996,2.5014,2.4998,2.5001],"historyLatestPct":2.5003},"spotRatePct":2.5003,"spotBorrowRatePct":2.9847,"rateBasis":"7d","rateDays":7,"borrowRateBasis":"7d"},{"name":"USDT / 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100."},"stability":{"score":71.5547,"baseWeight":0.3,"note":"Available liquidity: this week's low, $758,278, was 12% below the usual level","readings":[{"label":"Rate","value":"range 14% of the average","score":80,"decisive":false},{"label":"Deposits","value":"2% below this week's high","score":75,"decisive":false},{"label":"Available liquidity","value":"this week's low, $758,278, was 12% below the usual level","score":72,"decisive":true}]},"size":{"score":45.6274,"baseWeight":0.2,"note":"$4.6M TVL","detail":"$4,620,646 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":50,"baseWeight":0.15,"neutral":true,"note":"weETH: no Pharos grade, counted as 50"}},"liquidationLtvPct":86,"ungradedAsset":"weETH","apySeries":[2.4798,2.4383,2.7912,2.4588,2.4747,2.5161,2.4628,2.4999],"historyLatestPct":2.4976},"spotRatePct":2.4976,"spotBorrowRatePct":2.9954,"rateBasis":"7d","rateDays":7,"borrowRateBasis":"7d"},{"name":"USDT / 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100."},"stability":{"score":63.0163,"baseWeight":0.3,"note":"Available liquidity: this week's low, $6.0M, was 27% below the usual level","readings":[{"label":"Rate","value":"range 27% of the average","score":68,"decisive":false},{"label":"Deposits","value":"4% below this week's high","score":68,"decisive":false},{"label":"Available liquidity","value":"this week's low, $6.0M, was 27% below the usual level","score":63,"decisive":true}]},"size":{"score":79.0766,"baseWeight":0.2,"note":"$60.2M TVL","detail":"$60,210,686 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":60,"baseWeight":0.15,"note":"sUSDS: Pharos safety grade C+ (60/100)"}},"liquidationLtvPct":96.5,"apySeries":[1.9852,1.9565,1.9666,2.0248,2.4196,2.57,2.4994,2.4978],"historyLatestPct":2.485},"spotRatePct":2.485,"spotBorrowRatePct":2.7805,"rateBasis":"7d","rateDays":7,"borrowRateBasis":"7d"},{"name":"USDT / wstETH","type":"Market","asset":"USDT","chain":1,"collateral":"wstETH","marketId":"0x6a57d77b9a173c5ed10d432e7009dd1ee9a97fac62a7bc970b4bd715e2fff5c8","url":"https://app.morpho.org/ethereum/variable/0x6a57d77b9a173c5ed10d432e7009dd1ee9a97fac62a7bc970b4bd715e2fff5c8","ratePct":2.6163857142857148,"avgRatePct":3.3949524537464137,"rewardApyPct":null,"rewardIncluded":false,"borrowRatePct":3.1477285714285714,"borrowInterestPct":null,"borrowRewardPct":null,"tvlUsd":3420173,"liquidityUsd":581987,"utilizationPct":82.98369354970025,"listed":true,"warnings":[],"createdAt":1776407711,"assetLogo":"https://cdn.morpho.org/assets/logos/usdt.svg","liquidationLtvPct":86,"healthFlags":[],"healthFactor":{"score":55,"rawScore":54.5,"tier":"Fair","rawTier":"Fair","ageTier":"Strong","protocolName":"Morpho","unit":"market","factors":{"liquidity":{"score":51.3387,"baseWeight":0.35,"note":"$581,987 available","detail":"$581,987 available. $300k scores 40 and $10M or more scores 100."},"stability":{"score":69.0601,"baseWeight":0.3,"note":"Deposits: 4% below this week's high","readings":[{"label":"Rate","value":"range 21% of the average","score":73,"decisive":false},{"label":"Deposits","value":"4% below this week's high","score":69,"decisive":true},{"label":"Available liquidity","value":"this week's low, $500,185, was 16% below the usual level","score":69,"decisive":false}]},"size":{"score":41.7078,"baseWeight":0.2,"note":"$3.4M TVL","detail":"$3,420,173 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":50,"baseWeight":0.15,"neutral":true,"note":"wstETH: no Pharos grade, counted as 50"}},"liquidationLtvPct":86,"ungradedAsset":"wstETH","apySeries":[2.4879,2.4788,3.0173,2.6238,2.6297,2.5465,2.5206,2.498],"historyLatestPct":2.4756},"spotRatePct":2.4756,"spotBorrowRatePct":2.9908,"rateBasis":"7d","rateDays":7,"borrowRateBasis":"7d"},{"name":"Steakhouse USDT","type":"Vault","asset":"USDT","chain":1,"address":"0xbeef047a543e45807105e51a8bbefcc5950fcfba","url":"https://app.morpho.org/ethereum/vault/0xbEef047a543E45807105E51A8BBEFCc5950fcfBa","ratePct":2.4038142857142857,"avgRatePct":3.258,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":77846011,"liquidityUsd":12630967,"feePct":5,"listed":true,"warnings":[],"createdAt":1705697315,"assetLogo":"https://cdn.morpho.org/assets/logos/usdt.svg","liquidityShownUsd":46351852,"healthFlags":[],"healthFactor":{"score":83,"rawScore":83.5,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":100,"baseWeight":0.35,"note":"$12.6M pro-rata","detail":"$12,630,967 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $46,351,852 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":66.1513,"baseWeight":0.3,"note":"Deposits: 5% below this week's high","readings":[{"label":"Rate","value":"range 3% of the average","score":96,"decisive":false},{"label":"Deposits","value":"5% below this week's high","score":66,"decisive":true}]},"size":{"score":82.4235,"baseWeight":0.2,"note":"$77.8M TVL","detail":"$77,846,011 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":81,"baseWeight":0.15,"note":"USDT: Pharos safety grade A- (81/100)"}},"liquidationLtvPct":null,"apySeries":[2.3823,2.3947,2.4428,2.417,2.4027,2.3938,2.3874,2.3883],"historyLatestPct":2.387},"spotRatePct":2.387,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"Gauntlet USDT Frontier","type":"Vault","asset":"USDT","chain":1,"address":"0x79fd640000f8563a866322483524a4b48f1ed702","url":"https://app.morpho.org/ethereum/vault/0x79FD640000F8563A866322483524a4b48f1Ed702","ratePct":2.370014285714286,"avgRatePct":3.2755,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":8643988,"liquidityUsd":1400738,"feePct":5,"listed":true,"warnings":[],"createdAt":1738059623,"assetLogo":"https://cdn.morpho.org/assets/logos/usdt.svg","liquidityShownUsd":8242601,"healthFlags":[],"healthFactor":{"score":65,"rawScore":65,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":66.3673,"baseWeight":0.35,"note":"$1.4M pro-rata","detail":"$1,400,738 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $8,242,601 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":62.9203,"baseWeight":0.3,"note":"Deposits: 6% below this week's high","readings":[{"label":"Rate","value":"range 2% of the average","score":97,"decisive":false},{"label":"Deposits","value":"6% below this week's high","score":63,"decisive":true}]},"size":{"score":53.7878,"baseWeight":0.2,"note":"$8.6M TVL","detail":"$8,643,988 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":81,"baseWeight":0.15,"note":"USDT: Pharos safety grade A- (81/100)"}},"liquidationLtvPct":null,"apySeries":[2.3429,2.3405,2.3659,2.3828,2.3833,2.3638,2.3737,2.3801],"historyLatestPct":2.3782},"spotRatePct":2.3782,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"Vault Bridge USDT","type":"Vault","asset":"USDT","chain":1,"address":"0xc54b4e08c1dcc199fdd35c6b5ab589ffd3428a8d","url":"https://app.morpho.org/ethereum/vault/0xc54b4E08C1Dcc199fdd35c6b5Ab589ffD3428a8d","ratePct":2.3720285714285714,"avgRatePct":3.2249,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":3004978,"liquidityUsd":483641,"feePct":5,"listed":true,"warnings":[],"createdAt":1747340027,"assetLogo":"https://cdn.morpho.org/assets/logos/usdt.svg","liquidityShownUsd":3004978,"healthFlags":["Deposits down 11% this week"],"healthFactor":{"score":52,"rawScore":51.6,"tier":"Fair","rawTier":"Fair","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":48.1714,"baseWeight":0.35,"note":"$483,641 pro-rata","detail":"$483,641 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $3,004,978 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":48.6182,"baseWeight":0.3,"note":"Deposits: 11% below this week's high","readings":[{"label":"Rate","value":"steady","score":100,"decisive":false},{"label":"Deposits","value":"11% below this week's high","score":49,"decisive":true}]},"size":{"score":40.0216,"baseWeight":0.2,"note":"$3.0M TVL","detail":"$3,004,978 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":81,"baseWeight":0.15,"note":"USDT: Pharos safety grade A- (81/100)"}},"liquidationLtvPct":null,"apySeries":[2.3717,2.3719,2.3716,2.3718,2.3719,2.3704,2.3729,2.3737],"historyLatestPct":2.3744},"spotRatePct":2.3744,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"Spark Blue Chip USDT Vault","type":"Vault","asset":"USDT","chain":1,"address":"0xb0c424116172b55cbb6dd3136f5989f7959e5b91","url":"https://app.morpho.org/ethereum/vault/0xb0c424116172B55CbB6dD3136F5989F7959e5B91","ratePct":2.2686571428571427,"avgRatePct":3.0884,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":78599155,"liquidityUsd":12674021,"feePct":10,"listed":true,"warnings":[],"createdAt":1775163755,"assetLogo":"https://cdn.morpho.org/assets/logos/usdt.svg","liquidityShownUsd":41387790,"healthFlags":["Deposits down 16% this week"],"healthFactor":{"score":75,"rawScore":75.2,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":100,"baseWeight":0.35,"note":"$12.7M pro-rata","detail":"$12,674,021 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $41,387,790 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":38.3682,"baseWeight":0.3,"note":"Deposits: 16% below this week's high","readings":[{"label":"Rate","value":"range 6% of the average","score":91,"decisive":false},{"label":"Deposits","value":"16% below this week's high","score":38,"decisive":true}]},"size":{"score":82.5489,"baseWeight":0.2,"note":"$78.6M TVL","detail":"$78,599,155 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":81,"baseWeight":0.15,"note":"USDT: Pharos safety grade A- (81/100)"}},"liquidationLtvPct":null,"apySeries":[2.2468,2.2474,2.3934,2.2476,2.2478,2.2478,2.2488,2.2478],"historyLatestPct":2.2479},"spotRatePct":2.2479,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"Hakutora USDT","type":"Vault","asset":"USDT","chain":1,"address":"0xa71d08a159258553a5ac190d60fa919425ff02ea","url":"https://app.morpho.org/ethereum/vault/0xa71D08A159258553a5Ac190d60Fa919425Ff02EA","ratePct":2.1210142857142853,"avgRatePct":2.899,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":5513798,"liquidityUsd":889257,"feePct":15,"listed":true,"warnings":[],"createdAt":1737010211,"assetLogo":"https://cdn.morpho.org/assets/logos/usdt.svg","liquidityShownUsd":5513798,"healthFlags":[],"healthFactor":{"score":61,"rawScore":60.7,"tier":"Fair","rawTier":"Fair","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":58.5927,"baseWeight":0.35,"note":"$889,257 pro-rata","detail":"$889,257 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $5,513,798 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":61.3832,"baseWeight":0.3,"note":"Deposits: 6% below this week's high","readings":[{"label":"Rate","value":"steady","score":100,"decisive":false},{"label":"Deposits","value":"6% below this week's high","score":61,"decisive":true}]},"size":{"score":47.9299,"baseWeight":0.2,"note":"$5.5M TVL","detail":"$5,513,798 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":81,"baseWeight":0.15,"note":"USDT: Pharos safety grade A- (81/100)"}},"liquidationLtvPct":null,"apySeries":[2.121,2.1209,2.121,2.1211,2.121,2.1201,2.1214,2.1216],"historyLatestPct":2.122},"spotRatePct":2.122,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"RLUSD / WBTC","type":"Market","asset":"RLUSD","chain":1,"collateral":"WBTC","marketId":"0xa128dddc761075df9a9a60689f3a41a989b245aad506352c509c0c3a76a9ec6b","url":"https://app.morpho.org/ethereum/variable/0xa128dddc761075df9a9a60689f3a41a989b245aad506352c509c0c3a76a9ec6b","ratePct":1.7920571428571428,"avgRatePct":2.5279,"rewardApyPct":null,"rewardIncluded":false,"borrowRatePct":2.265557142857143,"borrowInterestPct":null,"borrowRewardPct":null,"tvlUsd":24351975,"liquidityUsd":3118686,"utilizationPct":87.19329434442572,"listed":true,"warnings":[],"createdAt":1777562999,"assetLogo":"https://cdn.morpho.org/assets/logos/rlusd.svg","liquidationLtvPct":86,"healthFlags":[],"healthFactor":{"score":64,"rawScore":64.4,"tier":"Fair","rawTier":"Fair","ageTier":"Strong","protocolName":"Morpho","unit":"market","factors":{"liquidity":{"score":80.063,"baseWeight":0.35,"note":"$3.1M available","detail":"$3,118,686 available. $300k scores 40 and $10M or more scores 100."},"stability":{"score":51.4291,"baseWeight":0.3,"note":"Available liquidity: this week's low, $3.1M, was 47% below the usual level","readings":[{"label":"Rate","value":"range 25% of the average","score":69,"decisive":false},{"label":"Deposits","value":"at this week's high","score":100,"decisive":false},{"label":"Available liquidity","value":"this week's low, $3.1M, was 47% below the usual level","score":51,"decisive":true}]},"size":{"score":67.2824,"baseWeight":0.2,"note":"$24.4M TVL","detail":"$24,351,975 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":50,"baseWeight":0.15,"neutral":true,"note":"WBTC: no Pharos grade, counted as 50"}},"liquidationLtvPct":86,"ungradedAsset":"WBTC","apySeries":[1.6764,1.6413,1.6178,1.5863,1.6311,2.0173,2.0184,2.0322],"historyLatestPct":2.0379},"spotRatePct":2.0379,"spotBorrowRatePct":2.3407,"rateBasis":"7d","rateDays":7,"borrowRateBasis":"7d"},{"name":"EURCV / mGLOeuro","type":"Market","asset":"EURCV","chain":1,"collateral":"mGLOeuro","marketId":"0x987b2c1979c6cfd6b7833d9b30c09b96ec6de1666579582d8f17730e20dd19b0","url":"https://app.morpho.org/ethereum/variable/0x987b2c1979c6cfd6b7833d9b30c09b96ec6de1666579582d8f17730e20dd19b0","ratePct":2.6897999999999995,"avgRatePct":null,"rewardApyPct":null,"rewardIncluded":false,"borrowRatePct":3.0625571428571425,"borrowInterestPct":null,"borrowRewardPct":null,"tvlUsd":5180106,"liquidityUsd":1034612,"utilizationPct":80.02719849679873,"listed":true,"warnings":[],"createdAt":1789660607,"assetLogo":"https://cdn.morpho.org/assets/logos/eurcv.svg","liquidationLtvPct":77,"healthFlags":["Today's available liquidity is 2.5× the usual level"],"healthFactor":{"score":55,"rawScore":55.4,"tier":"Fair","rawTier":"Fair","ageTier":"Fair","ageReason":"new","protocolName":"Morpho","unit":"market","factors":{"liquidity":{"score":61.1832,"baseWeight":0.35,"note":"$1.0M available","detail":"$1,034,612 available. $300k scores 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Morpho reports $11,158,769 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":72.496,"baseWeight":0.3,"note":"Deposits: 3% below this week's high","readings":[{"label":"Rate","value":"range 13% of the average","score":82,"decisive":false},{"label":"Deposits","value":"3% below this week's high","score":72,"decisive":true}]},"size":{"score":67.0389,"baseWeight":0.2,"note":"$23.9M TVL","detail":"$23,901,182 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":50,"baseWeight":0.15,"neutral":true,"note":"WETH: no Pharos grade, counted as 50"}},"liquidationLtvPct":null,"ungradedAsset":"WETH","apySeries":[1.5174,1.5068,1.448,1.4345,1.4558,1.5171,1.606,1.6259],"historyLatestPct":1.6217},"spotRatePct":1.6217,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"Steakhouse Prime ETH","type":"Vault","asset":"WETH","chain":1,"address":"0xbeef0046fcab1de47e41fb75bb3dc4dfc94108e3","url":"https://app.morpho.org/ethereum/vault/0xbeef0046fcab1dE47E41fB75BB3dC4Dfc94108E3","ratePct":1.5190142857142857,"avgRatePct":1.7989,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":25097840,"liquidityUsd":2661076,"feePct":5,"listed":true,"warnings":[],"createdAt":1764406127,"assetLogo":"https://cdn.morpho.org/assets/logos/weth.svg","liquidityShownUsd":12276343,"healthFlags":[],"healthFactor":{"score":70,"rawScore":70.2,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":77.3478,"baseWeight":0.35,"note":"$2.7M pro-rata","detail":"$2,661,076 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. Morpho reports $12,276,343 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":73.7935,"baseWeight":0.3,"note":"Deposits: 2% below this week's high","readings":[{"label":"Rate","value":"range 12% of the average","score":83,"decisive":false},{"label":"Deposits","value":"2% below this week's high","score":74,"decisive":true}]},"size":{"score":67.6755,"baseWeight":0.2,"note":"$25.1M TVL","detail":"$25,097,840 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":50,"baseWeight":0.15,"neutral":true,"note":"WETH: no Pharos grade, counted as 50"}},"liquidationLtvPct":null,"ungradedAsset":"WETH","apySeries":[1.5199,1.516,1.4571,1.4435,1.4664,1.5243,1.5982,1.6276],"historyLatestPct":1.6203},"spotRatePct":1.6203,"spotBorrowRatePct":null,"rateBasis":"7d","rateDays":7},{"name":"Gauntlet WETH Prime","type":"Vault","asset":"WETH","chain":1,"address":"0x2371e134e3455e0593363cbf89d3b6cf53740618","url":"https://app.morpho.org/ethereum/vault/0x2371e134e3455e0593363cBF89d3b6cf53740618","ratePct":1.5130857142857141,"avgRatePct":1.8165,"rewardApyPct":null,"rewardIncluded":true,"tvlUsd":10023768,"liquidityUsd":1073052,"feePct":5,"listed":true,"warnings":[],"createdAt":1709680067,"assetLogo":"https://cdn.morpho.org/assets/logos/weth.svg","liquidityShownUsd":10023768,"healthFlags":[],"healthFactor":{"score":65,"rawScore":64.9,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":61.8074,"baseWeight":0.35,"note":"$1.1M pro-rata","detail":"$1,073,052 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. 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Fee changes and new allocators can take effect at once. New markets and higher caps wait 3 days. Withdrawals cannot be gated"],"createdAt":1786742303,"assetLogo":"https://cdn.morpho.org/assets/logos/pyusd.svg","healthFlags":["Part of the available liquidity, $6.8M, requires reallocation from other markets at a cost of up to 1%.","A single key, not a multisig, holds the owner and curator roles of this vault. Fee changes and new allocators can take effect at once. New markets and higher caps wait 3 days. 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Withdrawals cannot be gated"],"bestHealthFactor":{"score":84,"rawScore":84.3,"tier":"Solid","rawTier":"Solid","ageTier":"Strong","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":100,"baseWeight":0.35,"note":"$77.3M available","detail":"$77,337,425 available. $300k scores 40 and $10M or more scores 100."},"stability":{"score":60.2675,"baseWeight":0.3,"note":"Rate: range 37% of the average","readings":[{"label":"Rate","value":"range 37% of the average","score":60,"decisive":true},{"label":"Deposits","value":"4% below this week's high","score":70,"decisive":false}]},"size":{"score":100,"baseWeight":0.2,"note":"$457.0M TVL","detail":"$457,038,301 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":75,"baseWeight":0.15,"note":"RLUSD: Pharos safety grade B+ (75/100)"}},"liquidationLtvPct":null,"apySeries":[6.1406,6.6925,6.9443,6.3148,5.4961,5.9223,6.6525,7.8861],"historyLatestPct":5.8693},"riskAlternative":null},{"asset":"GHO","best":null,"emptyReason":"No GHO lending venue clears the size floors. 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Morpho reports $14,039,583 available to the first withdrawer. $300k scores 40 and $10M or more scores 100."},"stability":{"score":70.9176,"baseWeight":0.3,"note":"Rate: range 23% of the average","readings":[{"label":"Rate","value":"range 23% of the average","score":71,"decisive":true},{"label":"Deposits","value":"at this week's high","score":100,"decisive":false}]},"size":{"score":69.5862,"baseWeight":0.2,"note":"$29.1M TVL","detail":"$29,062,054 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":88,"baseWeight":0.15,"note":"USDC: Pharos safety grade A+ (88/100)"}},"liquidationLtvPct":null,"apySeries":[10.0233,9.9995,10.0455,10.4163,12.6032,12.5487,12.5164,12.5115],"historyLatestPct":12.5315},"rewardApyPct":7.908880639028686,"rewardIncluded":true,"rewardTokens":["ZAMA"],"rewardCondition":null,"spotRatePct":12.5315,"href":"/v/morpho/ethereum/0xc207d3f66537d7f66456808379a0e560cf20da36","tvlUsd":29062054}],"borrowHref":"/v/morpho/ethereum/0x64d65c9a2d91c36d56fbc42d69e979335320169b3df63bf92789e2c8883fcc64","borrowHealthFactor":{"score":90,"rawScore":90,"tier":"Strong","rawTier":"Strong","ageTier":"Strong","protocolName":"Morpho","unit":"market","factors":{"liquidity":{"score":100,"baseWeight":0.35,"note":"$33.9M available","detail":"$33,893,875 available. $300k scores 40 and $10M or more scores 100."},"stability":{"score":91.5512,"baseWeight":0.3,"note":"Available liquidity: this week's low, $33.2M, was 2% below the usual level","readings":[{"label":"Rate","value":"range 5% of the average","score":93,"decisive":false},{"label":"Deposits","value":"at this week's high","score":100,"decisive":false},{"label":"Available liquidity","value":"this week's low, $33.2M, was 2% below the usual level","score":92,"decisive":true}]},"size":{"score":100,"baseWeight":0.2,"note":"$343.1M TVL","detail":"$343,055,281 deposited. $3M scores 40 and $300M or more scores 100."},"assetSafety":{"score":50,"baseWeight":0.15,"neutral":true,"note":"cbBTC: no Pharos grade, counted as 50"}},"liquidationLtvPct":86,"ungradedAsset":"cbBTC","historyLatestPct":4.5},"borrowScoreVenue":"USDC / cbBTC","borrowMarketTvlUsd":343055281,"collateralSafety":{"score":50,"note":"cbBTC: no Pharos grade, counted as 50","neutral":true},"collateralSuppliedUsd":null,"borrowUtilizationPct":90.1199962609017,"borrowCurveRef":{"src":"morpho","chain":1,"market":"0x64d65c9a2d91c36d56fbc42d69e979335320169b3df63bf92789e2c8883fcc64"}},{"id":"basis-1-0x94b823e6bd8ea533b4e33fbc307faea0b307301bc48763acc4d4aa4def7636cd","label":"WETH → USDC","collateral":"WETH","collateralLiqLtvPct":86,"sub":"","borrowVenue":"USDC / WETH","borrowUrl":"https://app.morpho.org/ethereum/variable/0x94b823e6bd8ea533b4e33fbc307faea0b307301bc48763acc4d4aa4def7636cd","borrowRatePct":5.232900000000001,"borrowApySeries":[5.5225,5.3007,5.0161,5.015,4.9545,5.9948,5.3119,5.0373],"borrowHistoryLatestPct":5.0684,"borrowSpotRatePct":5.0684,"borrowInterestPct":null,"borrowRewardPct":null,"borrowLiquidityUsd":897846,"borrowNote":"Supply WETH as collateral, borrow USDC","lends":[{"venue":"RockawayX Confidential RWA USDC","asset":"USDC","url":"https://app.morpho.org/ethereum/vault/0xc207d3f66537D7F66456808379A0E560cF20Da36","ratePct":11.520157142857144,"liquidityUsd":5899178,"liquidityShownUsd":14039583,"chain":1,"crossChain":false,"note":"Redeploy the USDC","flags":[],"healthFactor":{"score":64,"rawScore":80.2,"tier":"Fair","rawTier":"Solid","cappedByMaturity":true,"ageTier":"Fair","ageReason":"new","protocolName":"Morpho","unit":"vault","factors":{"liquidity":{"score":90.9694,"baseWeight":0.35,"note":"$5.9M pro-rata","detail":"$5,899,178 pro-rata: proportional share of the unborrowed liquidity across the vault's allocated markets. 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