Ai Agents powered Chat & Health Factor (HF)

Ai Lending Assitant

  • Ask questions in-app to Luca Ai - A conversational terminal that guides users through lending, borrowing, understanding risk, and navigating the DApp.

Health Factor

  • The health factor is a critical aspect of the protocol’s risk management powered by Luca Ai. It is used to analyse & track whether a borrower’s collateral is still sufficient to cover their loan. The health factor is calculated as:

HF = (Collateral Value * LTV) / Loan Amount

  • If HF > 1, the loan is safe.

  • If HF < 1, the loan is under-collateralized and eligible for liquidation.

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