A loan on a money market is fine until a price move pushes its health factor toward 1. Loan guard is a Soheil bot that watches your loans for you. When health drops below your level, it tells you the exact amount that brings it back and gives you a button that opens that action ready on Soheil. You sign it in your own wallet: the bot never holds keys and never moves funds.
Set it up
- Open Bots → Loan guard and sign in with the wallet that has the loan (one free signature, no transaction).
- Pick Alert me below: 1.2, 1.3 or 1.5. Pick Fix back to: 1.5, 1.8 or 2.0 (always above the alert level).
- Press Turn on. Alerts show on the site under My bots; choose there to get them in Telegram, by email or as browser notifications too.
- In Telegram instead: follow the wallet with /watch and its address, send /bots and tap Loan guard, then Turn on with these (1.3 → 1.8) or Custom levels.
What the alert tells you
We read the wallet's loans on Aave, Kamino and Jupiter Lend every 15 minutes. You get one message when a loan drops below your alert level, and one when it is back above. The alert shows the health factor and two ways back to your target: repay part of your largest loan, or add more of your largest collateral. Both use the Lend page's formula: health factor = (collateral value × liquidation threshold) ÷ debt.
Example: 0.5 ETH worth $1,000 with an 80% threshold and $600 of USDC borrowed gives 1,000 × 0.8 ÷ 600 = 1.33. To get back to 1.8, repay 600 − 800 ÷ 1.8 ≈ $156 of USDC, or add (1.8 × 600 − 800) ÷ 0.8 = $350 of ETH, about 0.175 ETH.
Each way has its own button. It opens the Lend page with the loan, the action and the amount filled in; the page shows the health before and after, and you sign in your wallet.
Choosing your levels
- Alert level: how early you hear. 1.3 leaves room for a normal bad day, 1.5 is calmer, 1.2 is close to the line.
- Target: where the suggested fix brings the loan. 1.8 or 2.0 gives a wide margin.
- Change them any time on the Bots page (the new levels replace the old ones), or in Telegram with Change levels or /health 1.4. Remove it under My bots to stop the alerts.
Good to know
- Amounts use the prices of the moment and are rounded up a little. Check the health the Lend page shows before you sign.
- If your largest loan is smaller than what is needed, its button repays it in full and the message says how much more to repay on your other loans.
- NAVI loans on Sui are read in your browser, so the bot does not watch them yet.
- Loans are checked every 15 minutes, and a very fast crash can move faster than that. Keep a margin. Alerts are information, not financial advice.
Do it
More guides
- How to swap crypto without connecting a wallet
- How to bridge to Hyperliquid (HyperEVM) from any chain
- How to buy TAO (Bittensor) with any token
- Health factor explained: how to borrow without being liquidated
Information, not financial advice. Soheil.fi is non-custodial; every transaction is signed in your own wallet.