Why is the USDC Safety Score 46/100?

The score is calculated based on asset stability, protocol audit history, and chain security, then adjusted for liquidity depth ($223,303) and utilisation rates.

Safety Audit: USDC 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Smart Contract Risk: -20 pts if audits are outdated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 0.02% with a safety score of 46/100, this presents elevated risk. The lower safety score signals potential concerns with liquidity, utilisation, or protocol maturity. Proceed with caution. Investors are essentially insuring the protocol against failure; ensuring the premium (APY) matches the risk is pivotal.

Capital Fluidity

The pool maintains an optimal utilisation equilibrium of 10.51%. This signals a healthy balance between borrowing demand and lending supply, ensuring yields remain competitive without compromising solvency. High utilisation can lead to 'frozen' funds. Conversely, The liquidity depth currently stands at $223,303. For potential entrants, this volume serves as a primary buffer against turbulence, ensuring that typical retail exits can occur without impactful price deviation., ensuring that under normal market conditions, withdrawals remain fluid.

Chain-Specific Risks

Operating on Gnosis, 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-260123-1744-987d. Retrieved 23 Jan 2026, 17:44 UTC

Data Source: Internal indexer. Active Tracking verified at: 23 Jan 2026, 17:05 UTC.
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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