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Limitations & disclosures

Neo is decision support for DeFi lending risk. Reading these limits is part of using it well.

Not financial advice​

Neo does not provide financial, investment, legal, or tax advice. It does not recommend buying, selling, or holding any asset or position. Its output is risk information to support your own decisions; the decisions, and their consequences, remain yours.

Point-in-time, within a bounded window​

  • Every Neo answer reflects the data snapshot it was built from. Conditions on-chain can change within minutes.
  • Neo reasons over a 90-day lookback window of recent history rather than extrapolating indefinitely. It is built to describe current and recent state, not to forecast.

Coverage is finite​

Neo answers within the protocols and venues Bitpulse monitors (currently Morpho, AAVE V3, and Maple Finance). Questions outside that coverage are declined rather than guessed at. Coverage expands as protocols are onboarded.

Models describe stress, not certainty​

  • Tail and stress figures are modeled stress indices, not probabilities or forecasts. Real extremes can exceed the modeled tail.
  • Concentration measured from on-chain addresses is a lower bound on true entity concentration — one owner can split across wallets.
  • Secondary-market depth is read from venue-reported volume and carries that caveat.

Neo abstains rather than guesses​

When an input is stale, missing, or inconsistent, Neo marks the finding as degraded and names what's missing. A missing estimate is never shown as low risk. If you see an abstention, treat it as a signal — not as reassurance.

Reproducibility​

Neo's risk review and portfolio stress model are deterministic: the same inputs and snapshot produce the same output. This makes results auditable, but it does not make them predictive — reproducibility is about consistency, not certainty about the future.

For definitions of the terms used across these pages, see the Glossary.