> ## Documentation Index
> Fetch the complete documentation index at: https://docs.rampartlabs.xyz/llms.txt
> Use this file to discover all available pages before exploring further.

# Accountable

> Undercollateralized lending protocol on Monad

<Info>
  **TVL:** \~\$2M | **Type:** Undercollateralized Lending | **Docs:** [accountable.capital](https://accountable.capital)
</Info>

## 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.

<Warning>
  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.
</Warning>

## 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                             |

```typescript theme={null}
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`

```typescript theme={null}
const tvl = await sdk.getAccountableTVL()
// → 2000000
```

## Usage Example

```typescript theme={null}
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` |