You set the limits. Custos can only freeze new borrowing or pay your debt down. It can never borrow, move, or sell.
6.421094USDG of debt repaid by Custos on testnet, straight from the vault, with no owner signature. See the receiptGuardian for account 0xaD8A32…5b2c75
Reading the account
Fetching the latest recorded position from the Crest service.
Only these three calls
Test tokens, mock oracle, idle-only vault. Only the owner can create debt.
Illustration. These amounts show how the owner's rules could work, not a live position or a past transaction.
The stock's value drops from 1,000 to 800 USDG. Current LTV crosses the owner's 42% upper limit.
Custos call: No call yet
Custos freezes borrowing. It cannot sell the stock or increase the debt.
Custos call: freezeBorrowing()
Custos uses 30 USDG already held in the account's reserve. Debt falls, but Current LTV is still above target.
Custos call: repayFromReserve(uint256)
Custos uses 40 USDG withdrawable from the fixed vault. Current LTV returns to the owner's 35% target.
Custos call: repayFromStrategy(uint256)
These are onchain transactions on Robinhood Chain Testnet, with test tokens. The live account can change; the receipts do not.
Block 127616213
The Guardian called freezeBorrowing() on the account. The owner did not have to sign that freeze.
Block 127634675
6.421094
USDG of debt repaid
After the owner tightened the policy, Current LTV was 2.80%, above the 2% upper limit. Custos repaid toward the 1% target. The funds went from the account's vault to Morpho, never through the Guardian wallet.
Block 127691278
The Guardian running on the VPS froze the account when the USDG feed and Robinhood stock registry could not be read. The account remains frozen on testnet.
You set the rules and approve the loan. Custos can step in only to freeze or repay.
One account, one Morpho market, one loan token, one vault. Caps, floors, and the LTV band are written into the account before a single token moves.
Borrowing is never automatic. You approve it, the USDG goes straight into the fixed vault, and the account records the exact route and amount it used.
The Guardian reads fresh onchain state, freezes new borrowing at your upper guard, then repays from idle reserve and vault liquidity. Debt falls; the position stays yours.
Example owner limits, not the live testnet account's policy. Morpho LLTV belongs to the archived mainnet market and is the protocol limit, not the owner's target.
These are archived mainnet rate observations, not a current quote. The averages use different windows, so they cannot establish today's net carry. The testnet repayment above is a realized debt reduction, not yield.
Historical, unequal windows are not a trade signal. Fresh onchain rates, vault liquidity, and policy gates must be checked before any owner-approved borrow.
Custos repaid 6.421094 USDG from the fixed vault in the testnet transaction above. That is repayment, not a claim about vault yield. See your own recorded outcome on the account page.
See the receiptThis pinned fork and these market facts describe Robinhood Chain mainnet evidence. The account you can open today signs on testnet, with test tokens, a mock oracle, and an idle-only vault.
Recorded at block 65483446. Morpho's oracle is the value used for debt capacity and liquidation. The feed-only reference is a divergence check, not a second multiplier. This market's oracle includes the Stock Token UI multiplier beyond the feed ratio; applying it again here would overstate collateral.
Supply, owner borrow-and-deploy, Guardian strategy repayment, and owner exit were exercised against Robinhood state at block 66386239. This is fork evidence, not a live account or transaction receipt.
Only the owner can borrow, and only within the limits written into the account. Custos cannot open a loan or raise a borrowing limit.
Its only calls are freezeBorrowing(), repayFromReserve(uint256), and repayFromStrategy(uint256). It can stop new borrowing or repay this account's debt from its own funds. It cannot choose another receiver or vault.
Custos can repay only from funds the vault reports as withdrawable at the current block. A quoted balance does not mean that money can be withdrawn. Borrowing remains frozen if a repayment is not available.
No. The archived mainnet vault APY was 3.91% and the borrow APY was 7.92%, measured across different windows. They do not provide a current net return. Custos never borrows more to chase yield.
No. Your collateral is held in the configured Morpho market. Custos cannot sell, swap, transfer, withdraw, or change the policy. Only the owner can authorize the actions that create debt.
The contract still allows that key only to freeze borrowing or repay this account's own debt. It cannot send funds to another wallet. The owner can change the Guardian and unfreeze the account.
No. Live account signing runs on Robinhood Chain Testnet with test tokens, a mock oracle, and an idle-only vault. The reviewed mainnet route shown below is archived evidence from chain 4663, block 65483446. Owner signing is disabled on that route.