Cross-Chain Collateral Efficiency Optimizer

WHAT IT DOES

This tool connects to your EVM wallet and scans collateral positions across multiple lending protocols—including Aave, Compound, and compatible forks—on various EVM chains. It reads your collateral balances, outstanding debt, health factors, loan-to-value ratios, and liquidation thresholds. Based on this data, the tool suggests optimizations such as repaying debt to improve health factor, withdrawing excess collateral, or moving unused collateral to more efficient positions. You can review each suggestion and execute the optimizations directly through the tool.

HOW TO USE

Connect your Web3 wallet using the Connect button. In the Protocol Configurations textarea, enter each lending protocol you wish to scan in the format name:contract:chain:symbol—one per line. For example, "Aave:0x7d2768dE32b0b80b7a3454c06BdAc94A69DDc7A9:1:ETH" for Aave on Ethereum mainnet or "Compound:0x3d9819210A31b4961b30EF54bE2aeD79B9c9Cd3B:1:ETH" for Compound. Enter a target protocol address where you want to move collateral for optimization. Click "Scan Positions" to fetch all collateral positions. Click "Suggest Optimizations" to generate actionable recommendations. Review the suggestions in the Results card, then click "Execute Optimization" to sign and send the transactions.

TECHNICAL MECHANISM: ADAPTIVE CONTRACT INTERACTION WITH MULTI-PROTOCOL SUPPORT

The tool uses ethers.js to interact with lending protocol contracts through a two-tier ABI detection system. First, it attempts getUserAccountData(address), the standardized interface used by Aave and many forks, which returns total collateral, total debt, available borrows, liquidation threshold, LTV, and health factor in a single call. If that fails, it falls back to getAccountLiquidity(address) used by Compound and its forks. Health factors are parsed from raw BigNumber values and normalized to human-readable decimals. The optimization engine then applies a rule-based system: positions with a health factor below 1.1 trigger a debt repayment suggestion, positions above 1.8 with excess collateral trigger withdrawal suggestions, and positions with collateral but zero debt trigger a move suggestion to the target protocol for potential yield generation. Each suggestion includes a calculated amount and a human-readable reason.

WHAT IT CANNOT SEE

This tool cannot optimize across non-EVM chains—Solana, Tron, Starknet, SUI, TON, Aptos, Bitcoin, Cosmos, and XRP are not supported. It cannot predict future price movements or interest rate changes—all optimizations are based on current on-chain data only. It cannot execute cross-chain asset bridging without a bridge contract address and explicit approval; assets must already be on the target chain or you must handle bridging separately. The tool relies on protocol-specific ABIs and may not support all lending protocols—if a protocol uses a non-standard interface, positions may not be detected. It does not include token price oracles, so all values are shown in native token units (ETH, BNB, etc.) rather than USD.

PLEASE NOTE

This tool signs transactions to execute optimizations—ensure you trust the protocols and contracts you configure. All state is in-memory and resets on page refresh. The tool supports EVM chains only—Ethereum, Polygon, BSC, Arbitrum, Optimism, Avalanche, Base, and Fantom. Always verify that the contract addresses you enter are correct and correspond to the intended lending protocols.