Overview
Accountable enables undercollateralized lending on Monad. Unlike overcollateralized protocols, borrowers can access credit beyond their posted collateral value through reputation or whitelisting mechanisms. This allows for more capital-efficient borrowing at the cost of higher counterparty risk for depositors.
Undercollateralized lending carries elevated risk compared to overcollateralized protocols. Borrower default can result in losses for depositors that exceed the collateral held by the protocol.
Functions
getAccountableVaults()
Returns all active Accountable lending vaults.
Returns AccountableVault[]
| Field | Type | Description |
|---|
address | string | Vault contract address |
asset | string | Underlying token address |
totalDeposits | bigint | Total deposited assets (raw) |
borrowRate | number | Current borrow rate as a decimal (e.g. 0.095) |
protocol | 'accountable' | Protocol identifier |
const vaults = await sdk.getAccountableVaults()
// → [
// { address: '0x...', asset: '0x...', totalDeposits: 1200000n, borrowRate: 0.095, protocol: 'accountable' },
// { address: '0x...', asset: '0x...', totalDeposits: 800000n, borrowRate: 0.110, protocol: 'accountable' },
// ]
getAccountableTVL()
Returns total value locked across all Accountable vaults in USD.
Returns number
const tvl = await sdk.getAccountableTVL()
// → 2000000
Usage Example
import { Rampart } from 'rampart-monad'
const sdk = new Rampart()
const vaults = await sdk.getAccountableVaults()
const tvl = await sdk.getAccountableTVL()
console.log(`Accountable TVL: $${(tvl / 1e6).toFixed(1)}M`)
// Find vault with highest borrow demand
const hottest = vaults.sort((a, b) => b.borrowRate - a.borrowRate)[0]
console.log(`Highest borrow rate: ${(hottest.borrowRate * 100).toFixed(2)}%`)
Contract Addresses
| Contract | Address |
|---|
| VaultManager | 0xC80F56E6Bd9d0e36261D6D54C06BE4a8AE5D22b1 |
