defi-lending — Платформа для кредитования и заимствования в DeFi

--- name: defi-lending description: | Use this skill when the user wants to lend, borrow, or earn yield on Cardano. Triggers on: "lend ADA", "borrow", "supply liquidity", "earn APY", "lending pools", "what's the best APY", "Surf Finance", "FluidTokens", "collateral", "loan". Use defi-lending-operator to execute transactions. version: 1.0.0 --- # Cardano DeFi Lending & Borrowing Supply assets to earn yield or borrow against collateral via Surf Finance. ## Capabilities - Browse lending pools with APY, APR, LTV, and available liquidity - Supply assets to earn APY - Borrow against collateral at known APR - Compare pools by returns and risk ## Providers | Provider | Supply | Borrow | API Key Required | |---|---|---|---| | **Surf Finance** | Yes (earn APY) | Yes (post collateral) | No | | **FluidTokens** | No | Yes (NFT collateral) | Yes (`FLUID_PARTNER_KEY`) | ## Scripts ### List Lending Pools ```bash node scripts/list-pools.js [--sort supplyApy|borrowAprPct|available] ``` ### Supply (Deposit) ```bash node scripts/supply.js --address <bech32> --pool <poolId> --amount <lovelace> ``` ### Borrow ```bash node scripts/borrow.js --address <bech32> --pool <poolId> --amount <lovelace> --collateral <lovelace> ``` ## Key Concepts - **Supply APY**: Annual yield earned by depositing into lending pools - **Borrow APR**: Annual interest rate paid on borrowed funds - **Max LTV**: Maximum loan-to-value ratio (e.g. 75% means borrow up to 75% of collateral value) - **Term Hours**: Some pools have fixed-term loans; `null` = flexible - Amounts in **smallest units** (lovelace for ADA pools) - Surf API returns unsigned CBOR directly — sign and submit via operator ## Safety Rules - Always show pool APY/APR and LTV before committing - Warn about liquidation risk if LTV is close to max - Show effective borrow cost (APR + any fees) - Require explicit confirmation before supply or borrow