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Where a term has a platform-specific meaning that differs from general usage, the difference is noted.

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Account and structure

Entity: The legal person holding the AGI3 relationship: a company, fund, or individual. Established once, at onboarding. Portfolio: A named container for positions, bound to a user-controlled wallet address. An entity may hold many. Position: A single supply or borrow in one market on one chain. Positions do not cross-collateralize. KYB/KYC: The verification of the business (know your business) or individual (know your customer) behind an account, run through Persona and approved by AGI3. See Onboarding. UBO (ultimate beneficial owner): An individual who ultimately owns or controls a business entity. During onboarding, each UBO receives a KYC link by email and completes their own identity check.

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Rates and returns

APR: Annualized rate without compounding. APY: Annualized yield including the effect of compounding. Supply rate: What suppliers of an asset earn: the borrow rate scaled by utilization, since only the borrowed portion of a market earns. Borrow rate: What borrowers pay, set by the same utilization. Floats independently of the supply rate on any other market. Net APY: Interest earned minus interest paid, divided by net equity. The figure that describes a position holding both supply and debt. See Net APY. Utilization: The share of a market’s supplied assets currently borrowed. Drives rates, and above roughly 70% begins to constrain withdrawals.

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Risk

Collateral: Assets posted to back a borrow. They remain yours and continue earning where the market pays a supply rate. LTV (loan-to-value): Debt value divided by collateral value, measured at the market’s oracle price. Max borrowable LTV: The highest LTV at which new borrowing is permitted. Also called the collateral factor. Liquidation threshold: The LTV at which a position becomes liquidatable. Always above the max borrowable LTV. Shown on borrow market pages as liquidation LTV. Liquidation buffer: The gap between those two thresholds. What health factor measures. Health factor: How much liquidation buffer remains, scaled so that 1.00 is the max borrowable LTV and 0.00 is the liquidation threshold. Displays as ∞ with no debt. Note the scale: 1.00 is the borrowing limit, not the liquidation point. This differs from protocols where 1.0 means liquidation. Liquidation penalty: The discount at which collateral is sold when a liquidation executes. Set per collateral class: 1% for blue-chip crypto, 3% for tokenized gold, 4% for index tokens, 5% for tokenized stocks. A direct cost to the borrower. Liquidation price: The collateral price at which a position reaches its liquidation threshold, assuming debt and the debt asset’s price hold constant. Liquidation: The forced sale of part of your collateral to repay part of your debt, executed by third parties acting directly against the underlying protocol once the threshold is crossed. AGI3 cannot pause or reverse one. Portfolio health score: A 0–100 indicator combining liquidation safety, stress resilience, liquidity, yield, and concentration. See Portfolio health score. Stress scenario: A modeled correlated crash used in the health score: ETH −45%, BTC −40%, stablecoin debt +2%. Herfindahl index (HHI): A concentration measure. At or below 0.30 counts as well spread; 1.0 is a single-asset book.

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Mechanics

Oracle price: The price a market uses to value positions and run its solvency checks. The only price that determines whether an action succeeds or a position is liquidatable; it can differ from quoted market prices. Safety margin: The 3% reduction applied to quoted maximum borrow and withdrawal amounts, leaving room for oracle movement and interest accrual between preparing and executing a transaction. Approval: A one-time wallet transaction permitting a contract to move a specific asset. Separate from the action itself, and separately charged. Authorization: AGI3’s signature permitting a specific call for your portfolio. Valid for ten minutes. Required alongside your wallet’s signature; neither alone can move assets. Cooling period: The 24 hours between a wallet’s ownership being verified and its first permitted transaction, during which compliance screening runs. A security control against account takeover. See Connect a portfolio. Whitelist: The set of wallet addresses AGI3 has approved to transact on the platform. An address joins it by AGI3 approval, alongside screening and the cooling period. Slippage: The difference between a quoted swap price and the executed price. Price impact: How much a swap’s own size moves the execution price against the trader, before any market movement. Distinct from slippage, which covers movement between quote and execution. Route: The path a swap takes to fill, shown with every quote. Minimum received: The floor on a swap’s outcome implied by the maximum slippage setting. Execution below the floor reverts instead of filling. Looping: Recursively borrowing against a position to increase exposure to the same asset. A manual strategy, not an AGI3 feature. See Looping.

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Assets

Stablecoin: An asset intended to track a reference value, usually one US dollar. The tracking is a design goal rather than a guarantee. Liquid-staking derivative: A token representing a staked position, such as wstETH or rETH. Treated as its base asset for concentration and stress purposes, since wrappers of one asset do not diversify. Native asset: A chain’s own asset, such as ETH on Ethereum, as distinct from a token contract. Depeg: An asset intended to track a reference value trading materially away from it.