How it works.
Coltra turns public chain data and your own numbers into a clear picture of a lending position. It never takes custody and never decides for you.
Collateral is read, never held
The dashboard reads public balances of the connected address for ETH and every token in one token list. No approval, no transfer.
Markets come from public data
Each listed lending market on the chain brings its pair, liquidation LTV, size, utilization and variable rates.
The math runs in your browser
Health factor, LTV, liquidation price and scenarios are pure functions of your inputs, tested line by line.
A plan is a record you own
Saving writes the plan JSON into an event and its hash into storage. Only your wallet can add versions or retire it.
The math
For each collateral asset: value = amount × price and limit = value × LLTV. The position's health factor = Σ limit ÷ debt value and LTV = debt value ÷ Σ value. A market may liquidate when the health factor falls below 1.
Liquidation price of one asset = (debt value − limits of the other assets) ÷ (its amount × its LLTV), every other price held. When the other assets already cover the debt, that asset alone cannot trigger it.
Price shocks move every non-dollar asset by the same percentage and hold dollar tokens. The uniform fall that reaches a health factor of 1 is shown as “price fall to the line”. What-ifs solve for the extra collateral or the repayment that reaches the target you type, and the interest drift compounds the market's current borrow rate with prices held.
What this leaves out: oracle timing and the market's own oracle price, accrued interest you have not entered, liquidation incentives and partial liquidations, rounding. Treat every figure as an estimate.
Data and its limits
- ETH/WETH: Chainlink ETH/USD on Robinhood Chain, read on chain through our relay or a public RPC.
- Other prices and the market list: the lending protocol's public API, cached 5 minutes on our server, served as “last good copy” when it fails.
- Other lending protocols on the chain: a public DeFi protocol directory (deposits and borrowed totals only).
- Balances: on chain, for the tokens in the token list only. Debt held inside lending protocols is not read yet.
Questions
What is Coltra?
Coltra is a planning and monitoring tool for collateralized lending on Robinhood Chain. It shows what your collateral is worth, which lending markets exist on the chain and what they allow, and how a loan would behave when prices move. It does not lend, borrow or hold anything.
What is a health factor?
The collateral value times its liquidation LTV (LLTV), divided by the debt. Above 1 the position is within the market's limit; at or below 1 a lending market may liquidate it. 2.0 means the debt could double, or the collateral value halve, before reaching the line.
Where do the prices come from?
ETH (and WETH) from the Chainlink ETH/USD feed on Robinhood Chain, read on chain. Other tokens from the public API of the lending protocol whose markets the site lists. A token without a live price shows "—", and you can type a price by hand in the simulator.
Are the market rates a promise?
No. Supply and borrow rates are what the protocol reports at that moment and change every block. They are shown to explain a position, never as a return.
Does Coltra see or move my funds?
It reads public balances of the connected address on chain. It never asks for an approval or a transfer. The only transaction it can send is saving a plan to the plan book, which moves no money and costs only gas.
What is saved on chain?
Only what you choose to save: the plan JSON (name, assets, amounts, LLTVs, alert levels, an optional note) in an event, and its hash in storage. It is public. Do not put personal information in the note.
How do alerts work?
This tab checks your plan's thresholds against live prices every minute and can raise a browser notification. Close the tab and nothing is watched. Server-side alerts are planned.
What does the AI assistant do?
It explains the numbers of your simulated position in plain words. It only sees those numbers and your question, never your wallet. It does not recommend buying, selling, borrowing or repaying, and it works only when the site operator has configured it.
What is $COLTRA?
The community token around Coltra, launched on Pons on Robinhood Chain. It carries no promised value. Analytics credits, premium alerts, API access and service fees are planned uses, none of them live today.
Is this financial advice?
No. Every number is an estimate from the inputs and public data. Real markets use their own oracles, accrue interest and have their own liquidation rules.