{
  "tool_id": "art-271-defi-lending-health",
  "note": "art-271-defi-lending-health fixture vectors. ZERO PII.",
  "vectors": [
    {
      "name": "empty_input_finite",
      "description": "empty input finite — computed output_payload.",
      "policy_parameters": {},
      "output_payload": {
        "protocol": "aave",
        "health_factor": 1.66,
        "health_status": "WATCH",
        "current_ltv_pct": 50,
        "liquidation_threshold_pct": 83,
        "liquidation_bonus_pct": 5,
        "liquidation_price_usd": 1204.819277,
        "distance_to_liquidation_pct": 39.759,
        "buffer_to_liquidation_pct": 39.759,
        "borrow_capacity_usd": 3300,
        "collateral_value_usd": 10000,
        "debt_value_usd": 5000,
        "liquidation_penalty_usd": 250,
        "liquidation_mechanism": "fixed_bonus",
        "liquidation_mechanism_note": "Aave v3 fixed 5% liquidation bonus; close factor 50% (up to 100% when HF < 0.95). Any address may trigger liquidation. ETH/USDC main market default thresholds.",
        "table_version": "DEFI-LENDING-PROTOCOLS-2024",
        "table_source": "Aave v3 Risk Parameters 2024; Morpho Blue vault documentation; Fluid Protocol 2024; Sky (MakerDAO v2) Clipper liquidation; Liquity v2 specification. HF formula: collateral * liq_threshold / debt (Aave-style). Sky/Liquity use collateral-ratio mode. Not live oracle data.",
        "regulatory_basis": "DeFi lending is unregulated in most jurisdictions. Health factor and liquidation prices are computed from protocol parameters entered by the user; this is not a live risk monitor. Protocol parameters change via governance vote.",
        "pii_note": "ZERO PII: position amounts and protocol parameters only. No wallet address, ENS name, or personal data enters this kernel.",
        "not_financial_advice": "Not financial or investment advice. DeFi lending carries smart contract risk, oracle manipulation risk, and liquidation risk. Verify current parameters with protocol risk dashboards before taking any position."
      },
      "golden_hash": "fb4ffa1d4560d96281e68b3b238c90b47ed7e605f15b5332ba09607a932550e7"
    },
    {
      "name": "aave_v3_healthy_eth_usdc",
      "description": "aave v3 healthy eth usdc — computed output_payload.",
      "policy_parameters": {
        "protocol": "aave",
        "collateral_value_usd": 15000,
        "debt_value_usd": 5000,
        "collateral_price_usd": 3000,
        "collateral_amount": 5,
        "liquidation_threshold_pct": 83,
        "liquidation_bonus_pct": 5
      },
      "output_payload": {
        "protocol": "aave",
        "health_factor": 2.49,
        "health_status": "SAFE",
        "current_ltv_pct": 33.3333,
        "liquidation_threshold_pct": 83,
        "liquidation_bonus_pct": 5,
        "liquidation_price_usd": 1204.819277,
        "distance_to_liquidation_pct": 59.8394,
        "buffer_to_liquidation_pct": 59.8394,
        "borrow_capacity_usd": 7450,
        "collateral_value_usd": 15000,
        "debt_value_usd": 5000,
        "liquidation_penalty_usd": 250,
        "liquidation_mechanism": "fixed_bonus",
        "liquidation_mechanism_note": "Aave v3 fixed 5% liquidation bonus; close factor 50% (up to 100% when HF < 0.95). Any address may trigger liquidation. ETH/USDC main market default thresholds.",
        "table_version": "DEFI-LENDING-PROTOCOLS-2024",
        "table_source": "Aave v3 Risk Parameters 2024; Morpho Blue vault documentation; Fluid Protocol 2024; Sky (MakerDAO v2) Clipper liquidation; Liquity v2 specification. HF formula: collateral * liq_threshold / debt (Aave-style). Sky/Liquity use collateral-ratio mode. Not live oracle data.",
        "regulatory_basis": "DeFi lending is unregulated in most jurisdictions. Health factor and liquidation prices are computed from protocol parameters entered by the user; this is not a live risk monitor. Protocol parameters change via governance vote.",
        "pii_note": "ZERO PII: position amounts and protocol parameters only. No wallet address, ENS name, or personal data enters this kernel.",
        "not_financial_advice": "Not financial or investment advice. DeFi lending carries smart contract risk, oracle manipulation risk, and liquidation risk. Verify current parameters with protocol risk dashboards before taking any position."
      },
      "golden_hash": "0e4b2881f9a61c609aa76e3384143f427ea5cce571bb27b9e30a02906288bd47"
    },
    {
      "name": "morpho_elevated_risk",
      "description": "morpho elevated risk — computed output_payload.",
      "policy_parameters": {
        "protocol": "morpho",
        "collateral_value_usd": 10000,
        "debt_value_usd": 8000,
        "collateral_price_usd": 2500,
        "collateral_amount": 4
      },
      "output_payload": {
        "protocol": "morpho",
        "health_factor": 1.075,
        "health_status": "WARNING",
        "current_ltv_pct": 80,
        "liquidation_threshold_pct": 86,
        "liquidation_bonus_pct": 3.5,
        "liquidation_price_usd": 2325.581395,
        "distance_to_liquidation_pct": 6.9767,
        "buffer_to_liquidation_pct": 6.9767,
        "borrow_capacity_usd": 600,
        "collateral_value_usd": 10000,
        "debt_value_usd": 8000,
        "liquidation_penalty_usd": 280,
        "liquidation_mechanism": "mev_auction",
        "liquidation_mechanism_note": "Morpho Blue: permissionless MEV-auction liquidation. Bonus is market-determined per-vault curator (0-5%); full position may be liquidated. More capital-efficient; higher liquidation severity than Aave.",
        "table_version": "DEFI-LENDING-PROTOCOLS-2024",
        "table_source": "Aave v3 Risk Parameters 2024; Morpho Blue vault documentation; Fluid Protocol 2024; Sky (MakerDAO v2) Clipper liquidation; Liquity v2 specification. HF formula: collateral * liq_threshold / debt (Aave-style). Sky/Liquity use collateral-ratio mode. Not live oracle data.",
        "regulatory_basis": "DeFi lending is unregulated in most jurisdictions. Health factor and liquidation prices are computed from protocol parameters entered by the user; this is not a live risk monitor. Protocol parameters change via governance vote.",
        "pii_note": "ZERO PII: position amounts and protocol parameters only. No wallet address, ENS name, or personal data enters this kernel.",
        "not_financial_advice": "Not financial or investment advice. DeFi lending carries smart contract risk, oracle manipulation risk, and liquidation risk. Verify current parameters with protocol risk dashboards before taking any position."
      },
      "golden_hash": "d4bb09d73933101f681000854bbcf4a65c9fdd4765906c1c01b6d47cbbb58c0e"
    },
    {
      "name": "sky_dai_dutch_auction",
      "description": "sky dai dutch auction — computed output_payload.",
      "policy_parameters": {
        "protocol": "sky",
        "collateral_value_usd": 25000,
        "debt_value_usd": 10000,
        "collateral_price_usd": 2000,
        "collateral_amount": 12.5
      },
      "output_payload": {
        "protocol": "sky",
        "health_factor": 1.470588,
        "health_status": "WATCH",
        "current_ltv_pct": 40,
        "liquidation_threshold_pct": 170,
        "liquidation_bonus_pct": 13,
        "liquidation_price_usd": 1360,
        "distance_to_liquidation_pct": 32,
        "buffer_to_liquidation_pct": 32,
        "borrow_capacity_usd": 4705.88,
        "collateral_value_usd": 25000,
        "debt_value_usd": 10000,
        "liquidation_penalty_usd": 1300,
        "liquidation_mechanism": "dutch_auction",
        "liquidation_mechanism_note": "Sky (MakerDAO v2): Clipper Dutch-auction. Price starts at collateral_value * multiplier and decays over time. Liquidation Ratio = minimum collateral/debt ratio. DAI/USDS debt; WETH/stETH collateral typical.",
        "table_version": "DEFI-LENDING-PROTOCOLS-2024",
        "table_source": "Aave v3 Risk Parameters 2024; Morpho Blue vault documentation; Fluid Protocol 2024; Sky (MakerDAO v2) Clipper liquidation; Liquity v2 specification. HF formula: collateral * liq_threshold / debt (Aave-style). Sky/Liquity use collateral-ratio mode. Not live oracle data.",
        "regulatory_basis": "DeFi lending is unregulated in most jurisdictions. Health factor and liquidation prices are computed from protocol parameters entered by the user; this is not a live risk monitor. Protocol parameters change via governance vote.",
        "pii_note": "ZERO PII: position amounts and protocol parameters only. No wallet address, ENS name, or personal data enters this kernel.",
        "not_financial_advice": "Not financial or investment advice. DeFi lending carries smart contract risk, oracle manipulation risk, and liquidation risk. Verify current parameters with protocol risk dashboards before taking any position."
      },
      "golden_hash": "a40b167481bf58fdf607775c4a982f1bed5c13736b20c785c6d148bcaf9bb00b"
    }
  ]
}