Real-Time Collateral Monitoring for Crypto Lending

Issue loans faster and manage risk better with live portfolio data.

Verify borrower solvency, monitor collateral health in real-time, and automate creditworthiness checks with the Vezgo API.

How It Works

How Vezgo Powers Crypto Lending

Vezgo functions as your real-time collateral oracle. Once a borrower connects their accounts via our secure widget, Vezgo maintains a continuous, read-only link to their portfolio.

We index their positions across multiple chains and exchanges, calculate the fiat value, and provide a unified “balance” endpoint. Your lending platform queries this endpoint to calculate Loan-to-Value (LTV) ratios dynamically, ensuring you always have an accurate picture of the collateral backing your loans.

Lending against crypto assets requires trust and speed. Vezgo provides the infrastructure to verify a borrower’s net worth and monitor their assets 24/7 without manual screenshots or signed messages. By integrating Vezgo, lending platforms can instantly view a potential borrower’s holdings across CEXs and DeFi protocols.

Features

Key Features for Lending

Proof of Solvency
Instantly verify that a borrower actually holds the assets they claim to own, across both hot wallets and custodial exchange accounts.
Live Balance Updates
Don’t rely on yesterday’s data. Our API syncs frequently to give you an up-to-the-minute view of collateral volatility.
Cross-Chain Aggregation
Assess a borrower’s total financial health by seeing assets on Ethereum, Solana, Bitcoin, and centralized exchanges in one dashboard.
Read-Only Access
Your users feel safe connecting their accounts because Vezgo utilizes read-only API keys—we can view the collateral, but never move it.
DeFi & Staking Visibility
Get a complete view of a borrower’s net worth by tracking assets that are “locked” in smart contracts, staking pools, or yield farming protocols, not just idle tokens.
High-Frequency Webhooks
Receive instant notifications the moment a portfolio’s value changes significantly, allowing your liquidation engine to react faster to market crashes.

Benefits

Why Vezgo for Lending?

Automate Underwriting
Replace manual due diligence with programmatic checks on asset composition and holding history, reducing loan approval times from days to seconds.
Reduce Default Risk
Catch “health factor” drops immediately with continuous monitoring of connected accounts, allowing for proactive borrower communication before liquidation is needed.
Improve Conversion Rates
Borrowers are more likely to complete an application that instantly connects their wallet than one requiring manual document uploads and screenshots.
Standardized Asset Pricing
We provide normalized values for thousands of tokens, saving you the headache of integrating multiple price feeds to value complex collateral portfolios.