PANIK

The problem

When a crypto loan goes bad, the lending platform sells your collateral and charges a penalty of 5 to 15 percent on top. Most people find out they were at risk only after it has already happened.

Lending platforms show one number, the health factor, but it does not tell you how close you really are or how fast things can turn. In the 2022 crash, loans went from fine to liquidated within a single day, so checking once in the morning was not enough.

What I built

• –A simple 0 to 100 risk score for every loan, refreshed every minute
• –Telegram alerts that say exactly what to do, such as how much to repay, before it is too late
• –An AI advisor that recommends whether to reduce, exit, or hold a position
• –A one-click exit that safely closes loans across four lending platforms in one step
• –Coverage for Aave, Compound, Moonwell, and Morpho on Ethereum and Base

How it works

The scoring engine is a pure TypeScript package with no I/O, calibrated against real crashes (the June 2022 ETH crash, UST/LUNA, FTX, the USDC depeg, August 2024) rather than tuned by intuition. It reads real per-protocol health-factor math: Aave v3's getUserAccountData, Compound v3's FACTOR_SCALE and PRICE_SCALE, Moonwell's cToken exchange rate, and Morpho's WAD lltv per isolated market, across Ethereum and Base.

A watch worker on Railway scores every tracked wallet on a 60-second loop and dispatches alerts every 15 seconds, run as a separate service from the Express API since a continuous polling loop is a poor fit for serverless. The frontend is a Vite React 19 SPA on Vercel that talks to the API through a same-origin rewrite, so RPC keys and the database service key never reach the browser.

The one-click exit runs through a Hardhat executor contract on Base Sepolia with a single atomicExit entrypoint: close every selected position across all four protocols in one transaction, or revert the whole thing and change nothing. Pre-flight checks report what is locked, a paused market or a stable-debt cooldown, before the user signs, and the executor itself has no owner, no pause, and no upgrade path.

Result

Took home 3rd place at Protocol Camp Cohort 9, organized by Shardlab and Hashed.

Stack

• React
• TypeScript
• Vite
• Node.js
• Express
• Solidity
• Foundry
• Base
• Supabase

Images