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Focus on a few metrics, keep a buffer, and make small, timely adjustments.

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What To Watch

  • Health factor: primary safety indicator (aim 1.5+)
  • Utilization and rates: higher utilization → higher borrow/supply APYs
  • Liquidity: large withdrawals are easier at lower utilization

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Common Actions

  • Add collateral or repay to lift health factor
  • Toggle collateral for assets you don’t need to borrow against
  • Rebalance between assets if rates or risk change

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Simple Rhythm

  • Daily: glance at health factor and major price moves
  • Weekly: review rates and net interest; adjust if needed
  • After big moves: top‑up or deleverage promptly rather than waiting

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Guardrails

  • Don’t borrow to the max; leave room for volatility
  • Keep native tokens for fees and an emergency top‑up fund
  • Use alerts to get ahead of risky levels
Small, consistent maintenance beats infrequent, stressful overhauls.