• Overcollateralisation: Borrowers on Morpho must provide collateral worth more than the value of their loans, reducing default risk. • Audited Protocol: Morpho is a platform with a proven track record and regular audits. You can see their audit reports and verifications at https://morpho.org. • Monitoring: Moneda continuously monitors the health of Morpho protocol and the Base blockchain network to minimise exposure to adverse conditions.