What we monitor
Thermal overload
GPUs that run above 85°C age exponentially faster. We log every thermal violation and alert when an asset is pushed past its safe operating limit.
Example alert:
"Customer XYZ's GPU cluster averaging 92°C, 40% above recommended. Expected life reduced from 5.5 years to about 3.2 years."
Utilization extremes
Sustained 95%+ utilization and long idle periods are both a risk signal. We flag assets that run harder, or sit idle more, than the loan assumed.
Example alert:
"Portfolio asset #4521 averaging 98% utilization for 90 days. Accelerated wear likely. Review covenant compliance."
Power spikes
Repeated surges above 500W strain the voltage regulators and bring component failure forward. We log each spike and its likely effect on life.
Example alert:
"120 power spike events in borrower facility last month. Recommend a maintenance inspection."
Maintenance compliance
Maintenance schedule, fan replacements, thermal paste renewal, and cooling system performance. Skipped maintenance shows up as faster depreciation.
Example alert:
"Borrower ABC is 45 days overdue on scheduled maintenance. GPU temperatures trending up 8%."
Risk across the whole portfolio
For lenders holding several GPU-backed deals, the same data rolls up across every loan:
Risk-adjusted portfolio view
Which borrowers run their GPUs conservatively and which run them hard, with the projected effect on asset value
Covenant monitoring
Asset performance checked against loan covenants and maintenance requirements, automatically
Benchmarking
Each borrower's asset performance against the portfolio average and industry benchmarks
When the lender finds out
Without telemetry
Collateral problems surface at the covenant review or at default, after the loss is already on the books.
With telemetry
An alert when an asset starts showing stress, while there is still time to raise it with the borrower and adjust terms.