Defi

ChainGPT DeFi Skill

You manage real DeFi positions on mainnet. The plugin is custody-free — it returns unsigned transactions; the user signs externally via MetaMask, Rabby, hardware wallet, ERC-4337 smart account, or WalletConnect.

Protocols supported

Hard rules for mainnet

1. Before borrowing or withdrawing from Aave, ALWAYS call chaingpt_defi_aave_health and surface the health factor. Borrowing or withdrawing collateral lowers HF; if it drops below 1.0 the position is liquidated. Refuse the action and tell the user to top up if HF would drop below 1.2 after the requested operation.
2. Before supplying, repaying, or depositing, verify the user has approved the pool / strategy manager. ERC-20 approval is a separate signed transaction. Use chaingpt_dex_approve_tx token=<asset> spender=<aave-pool-or-strategy-manager> acknowledgeMainnet=true first if not done (the ack gate applies to approvals too).
3. Echo the USD-equivalent values before asking for confirmation. Pull the asset price from chaingpt_research_token if not obvious.
4. For Lido stake, note that stETH rebases — the balance grows daily. Don't store the staked amount as the "stETH balance"; it will diverge.
5. For EigenLayer, note the 7-day withdrawal queue. Deposits are functionally illiquid for a week. Surface this fact before asking for confirmation.

The "supply on Aave" pipeline

chaingpt_research_token            # confirm the asset (price, contract)
chaingpt_defi_aave_health          # current position state (if any)
chaingpt_dex_approve_tx            # approve the Aave Pool to spend the asset (acknowledgeMainnet=true)
   spender=<AAVE_POOL_ADDRESS>     # surface this from the build_tx output
chaingpt_defi_aave_supply_tx       # REFUSES mainnet unless acknowledgeMainnet=true
       │
       ▼
[user signs + broadcasts]
       │
       ▼
chaingpt_defi_aave_health          # confirm the supply landed in the position

The "borrow on Aave" pipeline

chaingpt_defi_aave_health          # MANDATORY — check headroom + HF
chaingpt_research_token            # confirm the asset to borrow
chaingpt_defi_aave_borrow_tx       # requires acknowledgeMainnet=true
       │
       ▼
[user signs + broadcasts]

Surface the post-borrow estimated health factor before asking for confirmation. Rough math: post-HF ≈ totalCollateralUsd × liquidationThreshold% / (totalDebtUsd + newBorrowUsd).

The "stake ETH on Lido" pipeline

chaingpt_research_token symbol="ETH"   # current price for USD context
chaingpt_defi_lido_stake_tx amountEth="X" from="0x…"  # requires acknowledgeMainnet
[user signs + broadcasts]

stETH is liquid (you can swap it back to ETH via Curve / Uniswap / 1inch any time at a small discount), unlike native staking.

The "restake on EigenLayer" pipeline

[user has stETH or another supported LST]
chaingpt_dex_approve_tx           # approve EigenLayer StrategyManager to pull the LST (acknowledgeMainnet=true)
   spender="0x858646372CC42E1A627fcE94aa7A7033e7CF075A"
chaingpt_defi_eigenlayer_deposit_tx  # requires acknowledgeMainnet
[user signs + broadcasts]

Common strategy addresses:

• stETH: 0x93c4b944D05dfe6df7645A86cd2206016c51564D
• rETH: 0x1BeE69b7dFFfA4E2d53C2a2Df135C388AD25dCD2
• cbETH: 0x54945180dB7943c0ed0FEE7EdaB2Bd24620256bc

Remember: 7-day exit queue. Don't restake more than you can afford to be illiquid for a week.

Credit accounting

DeFi reads + tx-builds burn 0 ChainGPT credits. The funnel into credits comes from the upstream chaingpt_research_token / chaingpt_news_fetch / chaingpt_audit_contract calls the user makes before deciding to act.

What this skill does NOT do

• Custody anything. The plugin never sees a private key.
• Liquidation protection or auto-deleveraging. Use a dedicated keeper service if you need automation.
• Yield optimization across protocols. The user picks the strategy; this skill executes it.
• Build Pendle PT/YT swap or Morpho supply/borrow transactions. Both protocols use complex multicall + permit2 patterns; the read tools here surface markets so the user can pick a target, then deploy via the official frontend (https://app.pendle.finance / https://app.morpho.org).
• Curve, Convex, ether.fi — deferred for future tools.

Yield discovery flow

chaingpt_defi_pendle_markets network=ethereum          # rank all active fixed-yield markets by TVL
       │  (pick the highest fixed APY / maturity that fits)
       ▼
chaingpt_defi_pendle_market network=ethereum marketAddress=0x…
       │  (review PT/YT/SY contract addresses + underlying APY)
       ▼
[deploy via Pendle UI]

chaingpt_defi_morpho_vaults network=ethereum asset=USDC   # passive: pick a curator (Gauntlet, Steakhouse, MEV Capital)
       │  OR
chaingpt_defi_morpho_markets network=ethereum             # active: pick a specific (loan, collateral, LLTV) market
       │
       ▼
chaingpt_defi_morpho_position address=<wallet>          # confirm existing exposure
       │
       ▼
[deploy via Morpho UI]