Lending health factor calculator API

Compute an Aave-style lending health factor: HF = (collateral·liquidationThreshold)/debt, where HF < 1 is liquidatable — plus the collateral price drop to liquidation and a rating bucket. Deterministic risk math. Answers 'what's my health factor','how far from liquidation','is my loan safe'.

Price$0.01per request

MethodPOST

Route/v1/calc/cryptocalc-lending-health-factor

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

calccryptodefilendinghealth-factoraavecollateralliquidation

API URLhttps://x402.hexl.dev/v1/calc/cryptocalc-lending-health-factor

Integration docs

Example request

{
  "collateralValue": 10000,
  "liquidationThreshold": 0.825,
  "debtValue": 5000
}

Example response

{
  "formula": "HF = (collateral·liquidationThreshold) / debt",
  "collateralValue": 10000,
  "liquidationThresholdPct": 82.5,
  "adjustedCollateral": 8250,
  "debtValue": 5000,
  "healthFactor": 1.65,
  "liquidationPriceDropPct": 39.3939,
  "safe": true,
  "interpretation": "safe"
}

Input schema

{
  "type": "object",
  "required": [
    "collateralValue",
    "liquidationThreshold",
    "debtValue"
  ],
  "properties": {
    "collateralValue": {
      "type": "number",
      "description": "collateral value (USD)",
      "examples": [
        10000
      ]
    },
    "liquidationThreshold": {
      "type": "number",
      "description": "decimal threshold, e.g. 0.825",
      "examples": [
        0.825
      ]
    },
    "debtValue": {
      "type": "number",
      "description": "borrowed value (USD)",
      "examples": [
        5000
      ]
    }
  }
}

Output schema

{
  "type": "object",
  "additionalProperties": true
}