aave-risk-assessor

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SKILL.md (first lines)

# AAVE V3 Risk Assessor

Assess risk metrics for AAVE V3 positions including Health Factor, LTV ratios, and liquidation risk.

> **Runtime Compatibility:** This skill uses `AskUserQuestion` for interactive prompts. If `AskUserQuestion` is not available in your runtime, collect the same parameters through natural language conversation instead.

## Overview

Calculate and interpret risk metrics for AAVE V3 positions:

1. **Health Factor (HF)** - Primary liquidation risk indicator
2. **LTV (Loan-to-Value)** - Current and maximum borrowing capacity
3. **Liquidation Threshold** - Point at which liquidation becomes possible
4. **Risk Level Classification** - Safe, Moderate, High, Critical, Liquidation

## Trigger Phrases

This skill should be invoked when users say:

- "health factor"
- "liquidation risk"
- "aave risk"
- "will I be liquidated"
- "safe to borrow"
- "my account health"
- "collateral risk"
- "liquidation price"

## Risk Metrics

### Health Factor

The Health Factor is a numeric representation of position safety:

```
HF = (Σ Collateral_i × LiquidationThreshold_i) / TotalDebt
```

| Health Factor | Risk Level | Description | Recommended Action |
|---------------|------------|-------------|-------------------|
| > 2.0 | Safe | Position is well-collateralized | Normal operation |
| 1.5 - 2.0 | Moderate | Position is healthy but monitor | Continue monitoring |
| 1.2 - 1.5 | High | Position is at risk | Consider adding collateral or repaying debt |
| 1.0 - 1.2 | Critical | Position is near liquidation | Urgent: Add collateral or repay immediately |
| < 1.0 | Liquidation | Position can be liquidated | Position is being or will be liquidated |

### Risk Level Implementation

```typescript
function getRiskLevel(healthFactor: number): RiskLevel {
  if (healthFactor > 2.0) return 'safe';
  if (healthFactor >= 1.5) return 'moderate';
  if (healthFactor >= 1.2) return 'high';
  if (healthFactor >= 1.0) return 'critical';
  return 'liquidation';
}

type RiskLevel = 'safe' | 'moderate' | 'high' | 'critical' | 'liquidation';

const riskLevelMessages: Record<RiskLevel, string> = {
  safe: 'Your position is well-collateralized.',
  moderate: 'Your position is healthy, but continue monitoring.',
  high: 'Your position is at risk. Consider adding collateral or repaying debt.',
  critical: 'Warning: Your position is near liquidation! Add collateral or repay immediately.',
  liquidation: 'Your position is eligible for liquidation.'
};
```

## Risk Assessment Interface

```typescript
interface RiskAssessment {
  // Core metrics
  healthFactor: string;           // Current health factor (e.g., "1.85")
  maxLTV: string;                 // Maximum LTV allowed (e.g., "0.80")
  currentLTV: string;             // Current LTV ratio (e.g., "0.45")
  liquidationThreshold: string;   // Liquidation threshold (e.g., "0.825")
  liquidationPenalty: string;     // Liquidation penalty (e.g., "0.05")

  // eMode status
  eModeStatus: boolean;           // Whether eMode is enabled
  eModeCategory?: number;         // eMode category ID if enabled

  // Risk classification
  riskLevel: 'safe' | 'moderate' | 'high' | 'critical' | 'liquidation';

  // Additional metrics
  totalCollateralUSD: string;     // Total collateral value in USD
  totalDebtUSD: string;           // Total debt value in USD
  availableBorrowsUSD: string;    // Available borrowing power in USD
}
```

## Workflow

### Step 1: Get Wallet Address

If not provided in context, ask the user for their wallet address.

**Input validation:**
- Address must match `^0x[a-fA-F0-9]{40}$`
- Must be a valid checksummed Ethereum address

### Step 2: Determine Chain

If not specified, ask which chain to check: Ethereum or Arbitrum.

### Step 3: Query On-Chain Data

Use the Pool contract to get user account data:

```typescript
import { createPublicClient, http, parseAbi } from 'viem';
import { mainnet, arbitrum } from 'viem/chains';

const POOL_ADDRESSES = {
  1: '0x87870Bca3F3fD6335C3F4ce8392D69350B4fA4E2',    // Ethereum
  42161: '0x794a61358D6845594F94dc1DB02A252b5b4814aD'  // Arbitrum
};

From intenxus/aave-ai, MIT.

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