Why is the hyperUSDCm Safety Score 29/100?

The score is calculated based on asset stability, protocol audit history, and chain security, then adjusted for liquidity depth ($12,167,016) and utilisation rates.

Safety Audit: hyperUSDCm on Morpho

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Smart Contract Risk: -20 pts if audits are outdated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

Market Risk Assessment

Beyond the code, we assess the financial health of the pool. With a Total Value Locked (TVL) of $12,167,016, this pool exhibits institutional-grade depth. High funds significantly reduces slippage risks during exits and implies a high degree of market confidence in the Morpho protocol. This depth is critical for institutional participants who require minimal slippage on exit.

Yield Sustainability

The current APY of 9.36% must be weighed against the utilisation rate of 97.06%. The utilisation rate is currently critical at 97.06%. This 'squeeze' scenario means nearly all supplied capital is borrowed. While this maximises yield efficiency, it introduces a liquidity crisis risk where lenders may face delays. A sustainable yield is derived from genuine borrower demand, not just inflationary token emissions.

Protocol Security

Morpho on Ethereum has been evaluated for historic exploits. The score of 29 integrates the protocol's age and its resilience during previous high-volatility events.

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-260123-1500-e7d2. Retrieved 23 Jan 2026, 15:00 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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