{"type":"yield-opportunity","protocol":"CredMesh","asset":"tUSDC","network":"eip155:11155111","vault":{"standard":"ERC-4626","shareToken":"cmCREDIT","sharePrice":"1.000000","totalAssets":"0","totalShares":"0","feesEarned":"0","defaultLoss":"0"},"yield":{"currentFeeRate":"2.66%","estimatedAPY":"97.0%","source":"Credit fees from agent advances (85% of fees go to depositors)","protocolTake":"15%"},"risk":{"level":"LOW","healthScore":88,"defaultRate":"50.0%","utilizationRate":"2.0%","maxAdvanceRatio":"30% of job payout (receivable-backed)","mitigations":["Advances capped at 30% of expected job payout","Dynamic fees increase with pool utilization (kink model)","Pool loss surcharge rebuilds reserves after defaults","Credit scoring reduces exposure to risky borrowers"]},"pool":{"totalDeposited":1000,"totalAdvanced":70,"totalRepaid":50,"totalFeesEarned":1.86,"totalDefaultLoss":20.6,"activeAdvances":0,"totalBorrowers":7},"howToDeposit":{"description":"Approve tUSDC to the vault contract, then call deposit(). Standard ERC-4626 flow.","tokenContract":"not configured","vaultContract":"not configured","steps":[{"action":"approve","target":"token","method":"approve(vaultAddress, amount)","description":"Allow vault to pull your tUSDC"},{"action":"deposit","target":"vault","method":"deposit(amount, yourAddress)","description":"Deposit tUSDC, receive cmCREDIT shares"}],"withdraw":{"method":"redeem(shares, yourAddress, yourAddress)","description":"Burn cmCREDIT shares, receive tUSDC (up to idle capital — deployed capital unlocks as advances repay)"},"abi":{"deposit":"function deposit(uint256 assets, address receiver) returns (uint256 shares)","redeem":"function redeem(uint256 shares, address receiver, address owner) returns (uint256 assets)","approve":"function approve(address spender, uint256 amount) returns (bool)"}},"monitor":{"vaultStats":"/health","feeModel":"/fees","portfolioRisk":"/dashboard/risk","position":"/vault/position/{yourAddress}"}}