Overview
The /v2/credit/positions endpoint returns the current state of a Credit Account, including:
- Collateral positions — tokens supplied as collateral to Aave
- Debt positions — tokens borrowed, with interest accrued and borrow/repay history
- Account summary — health factor, total collateral/debt in USD, LTV, E-Mode status, and available borrow capacity
- Borrowable tokens — all tokens available for borrowing with maximum borrowable amounts and current APYs
This is the read counterpart to the borrow and repay transact endpoints.
Request
Response
Account Summary
The account_summary object comes from Aave’s getUserAccountData() and reflects the real-time on-chain state.
Collateral Positions
The collateral_positions array contains one entry per reserve where the account has supplied collateral.
Debt Positions
The debt_positions array contains one entry per reserve where the account has outstanding debt.
Borrowable Tokens
The borrowable_tokens array lists all tokens available for borrowing, with the maximum amount the user can borrow based on their current collateral and available borrow capacity.
Net Value
The total_usd_value field is the net position value: total collateral USD minus total debt USD. It is null if token prices are unavailable.
Example
Health Factor
The health factor indicates how close an account is to liquidation:
- > 1.5 — Healthy position with comfortable buffer
- 1.0 - 1.5 — Getting risky, consider adding collateral or repaying debt
- < 1.0 — Eligible for liquidation
If the health factor drops below 1, the position can be liquidated by anyone on-chain. Monitor this value and alert users when it approaches dangerous levels.