How do I install the Danogo Lending skill?

Run npx skillmds@latest add flux-point-studios/danogo-lending in your terminal (requires Node.js), paste this page's agent-chat prompt into Claude, Cursor, or any MCP-connected agent, or download the SKILL.md file and copy it into your agent's skills directory.

Is Danogo Lending safe to use?

This skill has not completed SkillMD's automated safety review yet. SkillMD never runs a skill's scripts for you; review the SKILL.md before installing.

Which AI agents work with Danogo Lending?

This skill is tagged as working with Claude Code, Claude.ai, OpenAI Codex. SKILL.md is an open format, so most agents that read a skills directory can load it too.

Is Danogo Lending free to use?

Yes. Installing skills from SkillMD is free, and the skill stays under its author's original license.

Who published Danogo Lending?

flux-point-studios (@flux-point-studios) published this skill. Their other Agent Skills are listed on their SkillMD profile.

Danogo Lending by flux-point-studios

Name: Danogo Lending
Author: flux-point-studios

Danogo Lending

Use this skill when the user wants to lend or borrow stablecoins on Cardano via Danogo's lending pools. Triggers on: "Danogo lending", "borrow USDA", "lend DJED", "stablecoin lending", "collateral ratio", "Danogo borrow", "lending pool". Lending state is on-chain UTxOs queryable via Ogmios.

File contents

Danogo Stablecoin Lending

Lend and borrow Cardano stablecoins through Danogo's on-chain lending pools.

Prerequisites

Ogmios endpoint for UTxO queries
Cardano submit-api or MCP for transaction submission
Payment signing key for executing transactions

How it works

Danogo lending pools are Plutus scripts holding stablecoin reserves:

Lenders deposit stablecoins and receive interest-bearing receipt tokens
Borrowers deposit collateral and borrow up to a maximum loan-to-value ratio
Interest accrues per-epoch, paid from borrower fees to lender receipts
Liquidation occurs when collateral drops below the minimum health factor

Scripts

Script	Purpose
`scripts/danogo-client.js lending-pools`	List available lending pools and rates
`scripts/danogo-client.js lending-rate <pool>`	Current supply/borrow APY

Safety rules

Monitor health factor: Borrowers must maintain collateral above the liquidation threshold. Check health factor before and after every action.
Collateral ratios are enforced on-chain: Under-collateralized borrows fail at the Plutus validator level.
Interest accrues per epoch: Rates can change as utilization shifts. Don't assume fixed rates.
Withdrawal limits: If pool utilization is near 100%, lenders may not be able to withdraw immediately.

Lending flow

1. Query lending pool UTxO via Ogmios
2. Decode datum → extract reserves, utilization, interest rate parameters
3. For lending: build deposit tx → receive receipt token
4. For borrowing: build collateral deposit + borrow tx
5. Sign and submit

Supported assets

Asset	Lending	Borrowing	Notes
USDA	Yes	Yes	Primary stablecoin
DJED	Yes	Yes	Algorithmic stablecoin
iUSD	Yes	Yes	Indigo synthetic
USDCx	Yes	Yes	Wrapped USDC

Troubleshooting

Symptom	Cause	Fix
Borrow tx fails	Under-collateralized	Increase collateral or reduce borrow amount
Can't withdraw deposit	Pool fully utilized	Wait for borrowers to repay or utilization to drop
Interest rate spiked	High utilization	Normal — rates auto-adjust with supply/demand

---name: danogo-lendingdescription: Use this skill when the user wants to lend or borrow stablecoins on Cardano via Danogo's lending pools. Triggers on: "Danogo lending", "borrow USDA", "lend DJED", "stablecoin lending", "collateral ratio", "Danogo borrow", "lending pool". Lending state is on-chain UTxOs queryable via Ogmios.---# Danogo Stablecoin LendingLend and borrow Cardano stablecoins through Danogo's on-chain lending pools.## Prerequisites- **Ogmios** endpoint for UTxO queries- **Cardano submit-api** or MCP for transaction submission- Payment signing key for executing transactions## How it worksDanogo lending pools are Plutus scripts holding stablecoin reserves:- Lenders deposit stablecoins and receive interest-bearing receipt tokens- Borrowers deposit collateral and borrow up to a maximum loan-to-value ratio- Interest accrues per-epoch, paid from borrower fees to lender receipts- Liquidation occurs when collateral drops below the minimum health factor## Scripts| Script | Purpose ||--------|---------|| `scripts/danogo-client.js lending-pools` | List available lending pools and rates || `scripts/danogo-client.js lending-rate <pool>` | Current supply/borrow APY |## Safety rules1. **Monitor health factor**: Borrowers must maintain collateral above the liquidation threshold. Check health factor before and after every action.2. **Collateral ratios are enforced on-chain**: Under-collateralized borrows fail at the Plutus validator level.3. **Interest accrues per epoch**: Rates can change as utilization shifts. Don't assume fixed rates.4. **Withdrawal limits**: If pool utilization is near 100%, lenders may not be able to withdraw immediately.## Lending flow```1. Query lending pool UTxO via Ogmios2. Decode datum → extract reserves, utilization, interest rate parameters3. For lending: build deposit tx → receive receipt token4. For borrowing: build collateral deposit + borrow tx5. Sign and submit```## Supported assets| Asset | Lending | Borrowing | Notes ||-------|---------|-----------|-------|| USDA | Yes | Yes | Primary stablecoin || DJED | Yes | Yes | Algorithmic stablecoin || iUSD | Yes | Yes | Indigo synthetic || USDCx | Yes | Yes | Wrapped USDC |## Troubleshooting| Symptom | Cause | Fix ||---------|-------|-----|| Borrow tx fails | Under-collateralized | Increase collateral or reduce borrow amount || Can't withdraw deposit | Pool fully utilized | Wait for borrowers to repay or utilization to drop || Interest rate spiked | High utilization | Normal — rates auto-adjust with supply/demand |

Frequently asked questions