Risk Monitor is a live checklist: market concentration (top asset share), reserves at or above 80% utilization, and frozen or inactive reserves. Wallet labels (Healthy, Watch, Risky, Critical) are a separate Health Factor reading. There is no single overall score that adds these into one number, and that is intentional.
- Liquidation risk (wallet Health Factor, liquidations tape)↓
- Liquidity risk (utilization, available USD, caps)↓
- Oracle risk (Aave price vs reality, oracle address)↓
- Concentration risk (top asset share, whale prints, 70% collateral warning)↓
- Governance risk (config and listing events)↓
- Contract risk (the addresses on Contracts, upgrades you verify on an explorer)↓
- Overall risk context (your judgment, not a Ronnie score)
Use the layers as questions. A market can have calm Health Factors and still have 95% USDC utilization. A wallet can have HF 3 and still sit in a frozen reserve. Adding those into one score would hide the story.