> ## Documentation Index
> Fetch the complete documentation index at: https://blackswan-23965643.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# GET /v1/apr/{wallet} — Wallet Annual Percentage Rate

> GET /v1/apr/{wallet} — Returns the current APR in basis points for any EVM wallet. Divide by 1000 to convert to a human-readable percentage.

This endpoint returns the current annual percentage rate (APR) assigned to a wallet based on its on-chain credit history. The APR is expressed in basis points — divide by `1000` to convert to a human-readable percentage. Use this endpoint when you need to display or apply a wallet's borrowing rate without fetching the full credit profile.

<ParamField path="wallet" type="string" required>
  The EVM wallet address to query (e.g. `0x4EEA76237a91880B1c8B7a1c740610fFC0306EE4`).
</ParamField>

<ParamField query="network" type="string">
  The network to query. Accepted values: `amoy` (default) or `sepolia`.
</ParamField>

## Endpoint

```
GET https://api.blackswanfinance.xyz/v1/apr/{wallet}
```

## Request Example

```bash theme={null}
curl https://api.blackswanfinance.xyz/v1/apr/0x4EEA76237a91880B1c8B7a1c740610fFC0306EE4
```

## Response — 200 OK

```json theme={null}
{
  "currentApr": 142
}
```

<ResponseField name="currentApr" type="number">
  The wallet's current APR expressed in basis points. Divide by `1000` to convert to a percentage.
</ResponseField>

<Note>
  **Understanding basis points:** The `currentApr` value uses basis points rather than a decimal percentage. To convert, divide by `1000`. For example, a `currentApr` of `142` equals **0.142% APR**. A value of `1000` would equal **1% APR**.
</Note>

## Error Codes

| Status Code | Meaning                                                                       |
| ----------- | ----------------------------------------------------------------------------- |
| `400`       | Invalid wallet address — the address is malformed or not a valid EVM address. |
| `500`       | Server error — an unexpected error occurred on the BlackSwan API.             |