Health Factor Alert with Auto-Repay

WHAT IT DOES

Health Factor Alert with Auto-Repay is a critical DeFi risk management tool that monitors the health factor of your NFT-backed loans and automatically repays debt to prevent liquidation. When you view an NFT detail page on OpenSea, LooksRare, or Blur, the tool automatically detects the token and queries multiple lending protocols (BendDAO, NFTfi, Blur Lending) to fetch the current health factor of any active loans. The health factor is calculated as the ratio of collateral value (floor price) to outstanding debt, including accrued interest. The panel displays the health factor as a numerical value and a visual progress bar—green for healthy, yellow for warning, red for critical—along with collateral value, debt amount, liquidation threshold, and estimated time to liquidation. The tool sends alerts when the health factor drops below configurable thresholds. A "Repay Now" button allows you to reduce debt and improve health factor, with an option to specify partial repayment. The auto-repay feature automatically repays a configurable percentage of the debt when the health factor falls below the critical threshold. All health factor history is tracked for monitoring and analysis.

WHERE IT RUNS

This overlay operates on NFT marketplace detail pages including OpenSea (opensea.io/asset/*), LooksRare (looksrare.org/tokens/*), and Blur (blur.io/*). It works in any browser that supports the BotGentz extension framework and has an EVM-compatible wallet extension installed. The panel activates automatically when you navigate to an NFT detail page and detect the token contract and ID.

HOW TO USE

Install the extension and connect your wallet. Navigate to any NFT detail page on a supported marketplace. The tool automatically detects the NFT and queries all supported lending protocols for any outstanding debt. If a loan is found, the panel displays the health factor with a visual progress bar, collateral value, debt amount, and liquidation threshold. Configure your settings: set the critical health factor threshold (default 1.1)—the tool alerts and triggers auto-repay below this value; set the warning threshold (default 1.5); set the auto-repay percentage (default 25%); and toggle auto-repay and notifications. To manually repay, enter an amount and click "Repay Now" or use quick-repay buttons (e.g., "Repay 25%"). If auto-repay is enabled and the health factor falls below the critical threshold, the tool automatically repays the configured percentage of the debt. Use the "Refresh" button to manually update data, "Save Settings" to apply changes, and "Copy Report" to export a summary. The tool tracks all health factor history for performance review.

MECHANISM: HEALTH FACTOR CALCULATION WITH PROTOCOL DATA AGGREGATION AND AUTO-REPAY EXECUTION

The extension implements a health factor calculation engine that aggregates loan data from multiple NFT lending protocols. For each protocol, the tool uses eth_call to query the current debt amount, collateral value, liquidation threshold, and interest rate from the protocol's contracts. The health factor is calculated as (collateral_value * liquidation_threshold) / debt_amount, which represents the ratio of collateral to debt—higher is safer. The tool uses the current floor price of the NFT collection (fetched from the page) as the collateral value, with interest accrual factored in based on the protocol's interest rate and time since the last update. The visual progress bar is scaled so that 1.0 is the critical threshold, 2.0 is healthy, and values below 1.0 are in liquidation territory. The auto-repay feature monitors the health factor at each refresh and, when it falls below the critical threshold, automatically constructs and sends a repayment transaction for the configured percentage of the outstanding debt (default 25%). The repayment uses ethers.js loaded at runtime to call the protocol's repay() function, with gas estimation and slippage protection. All health factor data is stored locally using GM_setValue for historical tracking, including the health factor, debt, and collateral values at each reading. The notification system uses GM_notification to alert users when thresholds are crossed.

THE PANEL

The overlay panel is fully draggable via its title bar and remembers its position per-site using GM_setValue. It snaps to the nearest edge when dragged within 40px of any screen boundary. The panel includes clear sections for health factor monitor (NFT contract address, token ID, floor price), health factor display (numerical value with visual progress bar, status message with color coding), position details (collateral value, debt amount, liquidation threshold, protocol-specific breakdowns), alerts (critical or warning messages with actionable recommendations), actions (repay input with "Repay Now" button, quick-repay buttons), history (recent health factor readings with dates and status icons), settings (critical threshold input, warning threshold input, auto-repay percentage input, auto-repay toggle, notification toggle), and action buttons (Refresh, Save Settings, Copy Report, Clear History). The progress bar color-codes the health factor—green for safe, yellow for warning, red for critical. Pressing Escape temporarily dismisses the panel until you navigate to a new NFT page or manually reactivate.

PLEASE NOTE

This extension requires the free BotGentz framework extension to be installed and active. You must also have a real EVM-compatible wallet extension (such as MetaMask, WalletConnect, Coinbase Wallet, or Rabby) already installed in your browser—the overlay uses your wallet's RPC provider for eth_call queries and to send repayment transactions. This tool sends real on-chain transactions when repaying loans—each repayment costs gas and executes a financial transfer. The tool cannot detect loans that are not visible on the current page or not linked to the NFT; depends on protocol-specific interfaces which may change; cannot guarantee that the health factor calculation is accurate if the protocol uses off-chain price feeds; does not support non-EVM chains where protocols differ; cannot predict changes in collateral value or interest rates; cannot automatically repay without user approval (auto-repay requires explicit enablement); does not support protocols that require additional approval steps beyond the standard flow; and cannot account for gas costs in health factor calculations. No private keys, wallet balances, browsing history, or loan data are ever collected, transmitted, or stored outside your local browser—all data is stored locally using GM_setValue. Auto-repay is a powerful feature that sends real transactions automatically—use with caution and ensure you have sufficient funds. Health factor is a risk indicator only—liquidation is not guaranteed even with a low health factor, but the risk is significant.