Why is the DAI Safety Score 90/100?

The score is calculated based on asset stability, protocol audit history, and chain security, then adjusted for liquidity depth ($6,140,062) and utilisation rates.

Safety Audit: DAI on Aave V3

Safety Score Calculation Methodology

Base Score (Typically 60-80 pts)

Weighted Average Formula:
Base = (Asset Score × 0.4) + (Protocol Score × 0.4) + (Chain Score × 0.2)

Risk Penalties

Low TVL (<$1M): -5 to -15 pts
Very High Util (>90%): -10 pts (withdrawal risk)
Extreme APY (>15%): -5 to -10 pts (volatility risk)
Smart Contract Risk: -20 pts if audits are outdated

Deep Dive DeFi Risk Audit Report

Risk vs. Reward Ratio

Offering a yield of 3.54% with a safety score of 90/100, this represents an ideal 'sweet spot'. The protocol has minimised technical vectors of attack, making it suitable for conservative game plan focusing on capital preservation. Investors are essentially insuring the protocol against failure; ensuring the premium (APY) matches the risk is imperative.

Capital Fluidity

The pool maintains an optimal utilisation equilibrium of 75.30%. This implies a healthy balance between borrowing demand and lending supply, ensuring yields remain competitive without compromising solvency. High utilisation can lead to 'frozen' funds. Conversely, Boasting $6,140,062 in secured assets, the pool demonstrates sturdy health. A TVL of this magnitude suggests that the smart contracts have withstood the test of time and attracted significant investors interest., ensuring that under normal market conditions, withdrawals remain fluid.

Chain-Specific Risks

Operating on Polygon, this pool inherits the underlying consensus security of the network. We factor in the centralisation ratio of the chain itself into the final Safety Score.

Understanding DeFi Risks

What is Smart Contract Risk? Smart contract risk refers to the possibility of bugs or vulnerabilities in the code governing the protocol. Even audited protocols can suffer exploits if unforeseen vectors are discovered.

What is Financial Risk? Financial risk involves market factors like liquidity crises (inability to withdraw) or asset de-pegging. Our score penalizes low liquidity pools to account for this.

Is the Safety Score a guarantee? No. The score is a probabilistic assessment based on historical data and current metrics. It cannot predict "black swan" events or zero-day exploits.

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Source: DeFiStar.io (2026). "DeFi Yield Analytics". Analytics by MooniTooki. Ref: DFS-260123-1742-a987. Retrieved 23 Jan 2026, 17:42 UTC

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Disclaimer: This audit is an automated analysis tool for educational purposes. Smart contract risk is never zero. Always conduct your own due diligence (DYOR) before depositing funds. Terms of Service apply.

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