Lending Users Positions

What is this endpoint for?

This endpoint returns a user's positions on lending and borrowing protocols. For a given wallet address, it reports the assets supplied and borrowed, their principal and accrued interest (in both token and USD terms), the applicable interest rates and APYs, and position-level health metrics such as the health factor and available borrowing capacity, at each block over the requested time range.

Endpoint

https://eu.market-api.kaiko.io/v2/data/lending.v1/addresses/{user_address}/positions

Parameters

Mandatory?

Parameter	Mandatory?	Description	Example
block_number		Block height.	21795593
start_block		Starting block height (inclusive).	21795593
end_block		Ending block height (inclusive).	22795593
datetime		Time in ISO 8601 (inclusive).	2022-04-01T00:00:00.000Z
start_time		Starting time in ISO 8601 (inclusive).	2022-04-01T00:00:00.000Z
end_time		Ending time in ISO 8601 (inclusive).	2022-05-01T00:00:00.000Z
interval		Interval between each snapshot. The suffixes are s (second), m (minute), h (hour), d (day), b (block), change (whenever a change happens). Default: 1d.	1h
sort		Returns the data in ascending or descending order. Default: desc.	ascending
page_size		Number of snapshots to return data for. (default: 100, min: 1, max: 1000). See Pagination	1000

Fields

Field	Description	Example
user_address	Address of the user's wallet.	0x1d296f5efbbb235c7a90734c2469fe8dc21e132d
blockchain	The blockchain on which the position exists.	ethereum
block_number	The height of the block at which the position was read.	25225970
timestamp	The timestamp of the block.	2026-06-02T00:00:00Z
protocol	Code of the L&B protocol.	aav3
health_factor	The health factor of the position. A value below 1 makes the position eligible for liquidation.	1.839684
total_collateral_usd	Total value of collateral in USD.	42075.46
total_supplied_usd	Total value supplied in USD.	42075.46
total_debt_usd	Total value of debt in USD.	18982.95
available_borrows_usd	The amount still available to borrow in USD.	14887.79
net_worth_usd	The net worth of the position (collateral minus debt) in USD.	23092.51
net_apy	The net APY across the whole position.	-0.003917
total_supply_accrued_interest_usd	Total accrued supply interest in USD.	6.58
total_borrow_accrued_interest_usd	Total accrued borrow interest in USD.	6.97
total_principal_supplied_usd	Total principal supplied (excluding interest) in USD.	42068.88
total_principal_borrowed_usd	Total principal borrowed (excluding interest) in USD.	18975.99
roi	Return on investment for the whole position.	-0.000017
supplies	Array of supplied assets.	More information below
borrows	Array of borrowed assets.	More information below

supplies

Field	Description	Example
asset	Symbol of the supplied asset.	weth
asset_address	Address of the underlying supplied asset.	0xc02aaa39b223fe8d0a0e5c4f27ead9083c756cc2
atoken_address	Address of the receipt (aToken) asset.	0x4d5f47fa6a74757f35c14fd3a6ef8e3c9bc514e8
scaled_balance	The scaled aToken balance (raw units).	19697531323085677000
supplied_amount	The amount supplied, in token units.	21.0032861479522399
supplied_amount_usd	The amount supplied, in USD.	42075.46
principal_supplied	The principal supplied (excluding interest), in token units.	21
principal_supplied_usd	The principal supplied (excluding interest), in USD.	42068.88
accrued_interest	The accrued supply interest, in token units.	0.0032861479522399
accrued_interest_usd	The accrued supply interest, in USD.	6.58
supply_apy	The supply APY for this asset.	0.014136
current_liquidity_rate	The current liquidity rate for this asset.	0.014037
is_collateral	Whether the supplied asset is used as collateral.	True
liquidation_threshold	The liquidation threshold for this asset.	0.830000
ltv	The maximum loan-to-value ratio for this asset.	0.805000
roi	Return on investment for this supply.	0.000156

borrows

Field	Description	Example
asset	Symbol of the borrowed asset.	usdt
asset_address	Address of the underlying borrowed asset.	0xdac17f958d2ee523a2206206994597c13d831ec7
borrow_type	The type of borrow (stable or variable).	variable
scaled_debt_balance	The scaled debt balance (raw units).	15440253275
borrowed_amount	The amount borrowed, in token units.	19006.977599660540473
borrowed_amount_usd	The amount borrowed, in USD.	18982.95
principal_borrowed	The principal borrowed (excluding interest), in token units.	19000
principal_borrowed_usd	The principal borrowed (excluding interest), in USD.	18975.99
accrued_interest	The accrued borrow interest, in token units.	6.977599660540473
accrued_interest_usd	The accrued borrow interest, in USD.	6.97
variable_borrow_rate	The variable borrow rate for this asset.	0.035461
borrow_apy	The borrow APY for this asset.	0.036097

Request example

cURL

curl --compressed \
  -H 'Accept: application/json' \
  -H 'X-Api-Key: <client-api-key>' \
  'https://eu.market-api.kaiko.io/v2/data/lending.v1/addresses/0x1d296f5efbbb235c7a90734c2469fe8dc21e132d/positions?start_time=2026-06-01T00:00:00.000Z&end_time=2026-06-02T00:00:00.000Z&interval=1d'

Python

Response example

{
    "query":
    {
        "user_address": "0x1d296f5efbbb235c7a90734c2469fe8dc21e132d",
        "start_time": "2026-06-01T00:00:00.000Z",
        "end_time": "2026-06-02T00:00:00.000Z",
        "interval": "1d"
    },
    "time": "2026-07-02T14:38:15.282665557Z",
    "timestamp": 1783003095,
    "data":
    [
        {
            "user_address": "0x1d296f5efbbb235c7a90734c2469fe8dc21e132d",
            "blockchain": "ethereum",
            "block_number": "25225970",
            "timestamp": "2026-06-02T00:00:00Z",
            "protocol": "aav3",
            "health_factor": "1.839684",
            "total_collateral_usd": "42075.46",
            "total_supplied_usd": "42075.46",
            "total_debt_usd": "18982.95",
            "available_borrows_usd": "14887.79",
            "net_worth_usd": "23092.51",
            "net_apy": "-0.003917",
            "total_supply_accrued_interest_usd": "6.58",
            "total_borrow_accrued_interest_usd": "6.97",
            "total_principal_supplied_usd": "42068.88",
            "total_principal_borrowed_usd": "18975.99",
            "roi": "-0.000017",
            "supplies":
            [
                {
                    "asset": "weth",
                    "asset_address": "0xc02aaa39b223fe8d0a0e5c4f27ead9083c756cc2",
                    "atoken_address": "0x4d5f47fa6a74757f35c14fd3a6ef8e3c9bc514e8",
                    "scaled_balance": "19697531323085677000",
                    "supplied_amount": "21.0032861479522399",
                    "supplied_amount_usd": "42075.46",
                    "principal_supplied": "21",
                    "principal_supplied_usd": "42068.88",
                    "accrued_interest": "0.0032861479522399",
                    "accrued_interest_usd": "6.58",
                    "supply_apy": "0.014136",
                    "current_liquidity_rate": "0.014037",
                    "is_collateral": "True",
                    "liquidation_threshold": "0.830000",
                    "ltv": "0.805000",
                    "roi": "0.000156"
                }
            ],
            "borrows":
            [
                {
                    "asset": "usdt",
                    "asset_address": "0xdac17f958d2ee523a2206206994597c13d831ec7",
                    "borrow_type": "variable",
                    "scaled_debt_balance": "15440253275",
                    "borrowed_amount": "19006.977599660540473",
                    "borrowed_amount_usd": "18982.95",
                    "principal_borrowed": "19000",
                    "principal_borrowed_usd": "18975.99",
                    "accrued_interest": "6.977599660540473",
                    "accrued_interest_usd": "6.97",
                    "variable_borrow_rate": "0.035461",
                    "borrow_apy": "0.036097"
                }
            ]
        },
    ],
    "result": "success",
    "access":
    {
        "access_range":
        {
            "start_timestamp": 1073001600000,
            "end_timestamp": 1861830000000
        },
        "data_range":
        {
            "start_timestamp": "None",
            "end_timestamp": 1861830000000
        }
    }
}