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Health factor compares recognized collateral value with debt value:
A priced account with debt must be strictly above 1.1 to be healthy. At or below 1.1 it is a liquidation candidate. Zero debt is healthy; the contract uses a maximum-integer sentinel for an unbounded ratio.

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What is collateral?

Direct token balances use oracle prices. Blend supply is valued using its b-token exchange rate and underlying price. Registered Soroswap and Aquarius LPs can contribute a conservative value based on the smaller USD-valued reserve side. Explicitly unpriced, frozen, revoked, or unavailable positions can contribute zero. Cached values on some paths can differ from current external position value.

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Debt and new borrowing

Debt reads include pending pool interest. Existing borrowed proceeds are already part of account assets when held or deployed; do not count the same debt twice as collateral. A standalone new-borrow check compares (C+B)/(D+B) with 1.1. Withdrawal compares the reduced collateral to existing debt. Net credits, fees, permissions, and pool limits can further constrain actual borrowing.

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Displayed account metrics

Equity is collateral minus debt. The UI labels a nonnegative equity value as Net Available Collateral; it is not a promise that this amount can be withdrawn. Liquidation collateral headroom is max(0, C-1.1*D). Market prices, interest, LP reserve changes, and oracle/configuration changes can move these figures. There is no universal guaranteed maximum leverage or time to liquidation. Read Liquidation and Math Reference.