Alerts and notifications
Keel watches every linked loan and sends Telegram messages when something needs attention. Each risk alert comes with one-tap buttons that open a ready-made transaction on the review-and-sign screen.
#Risk alerts
| Alert | When | Buttons |
|---|---|---|
| Heads up | Your ratio falls below your warning level (default 150%) | Add BTC to reach a safe ratio · Repay to reach it · Turn on protection or fund the reserve |
| Urgent | Your ratio falls below your danger level (default 130%) | Same as above, sized to the target |
| Redemption exposure | Little MUSD sits ahead of your loan in Mezo's redemption queue | Raise your ratio to move back in the queue |
| Recovery Mode | The system ratio crosses 150% (on and off) | Protect your loan if it's under 150% |
| Reserve can't fully protect your loan | Protection is on and the loan is near the trigger, but the reserve couldn't bring it back to the target | Add the exact BTC needed (+2%) |
| Your guardian can't act yet | A v2 guardian is under its trigger and the reserve can't fund anything Mezo would accept | Add the exact BTC needed to make a rescue possible |
Alerts use hysteresis: an alert fires once when you cross a level and re-arms only after a clear recovery, so you aren't spammed. You can mute them, and you can change your levels with /alerts.
#Notices
- Guardian protected your loan, with the ratio before and after, a link to the transaction, and partly protected plus the BTC to add when the reserve ran out.
- Payment received / sent, confirmed on-chain, with the sender's name.
- Claim link claimed / refunded.
- Split paid, and reminders for shares you owe.
- Wallet linked / disconnected.
If the bot can't reach you (you never pressed Start, or blocked it), notices are queued and delivered the next time you message the bot.
#How fast
- Free users are checked every few minutes.
- Premium users are checked every few seconds. Premium is paid per use in MUSD over x402, and the KeelPro subscription is next.
- Payments and protections are picked up by a block watcher within a few blocks of confirmation.
#On the web
Alerts are Telegram messages. If you use Keel only in the browser, use Connect Telegram in your profile: it opens the bot with a one-time code (valid 30 minutes) and moves your wallet and history to that Telegram account. From then on you get every alert.