Repay

GET 
/v1/actions/lending/repay

Build calldata for repaying a loan. Identify the market via marketUid (format: lender:chainId:address). Approval transactions are automatically filtered: if the user already has sufficient allowances, permissions (envelope) and permissionTxns (per-entry) will be empty. Pass simulate=true to include projected post-trade metrics. When on-chain debt data is available and amount covers the full debt, the API uses protocol-level max-repay mechanisms automatically. If isAll=true but amount is less than the debt, the API falls back to a partial repay to avoid reverts.

Lista DAO fixed-term (brokered) markets: pass loanId to target a specific loan (use the per-loan loanId from the user-positions response, or the type(uint128).max sentinel for the flexible/dynamic position). The broker repays interest-first plus an early-repayment penalty on not-yet-matured fixed loans and refunds any excess, so to fully close a loan fund outstanding + accruedInterest + earlyRepayPenalty from the per-loan term.

Morpho Midnight fixed-term markets (MORPHO_MIDNIGHT_<id>) — repaying to avoid liquidation. A Midnight loan is zero-coupon and fixed-maturity: you owe a static face value — the position's debt in loan-token units — repaid 1:1, which does not grow over time. So the amount to repay is fixed and known up front (the continuous + settlement fees accrue on the lender's side and are never added to your debt), and there is no early-repayment penalty (unlike Lista) — you may repay any time before maturity at face value.

A borrower faces two liquidation triggers; both are cleared by repaying:

• Before maturity — health (LTV) based. As with any collateralised loan, if the collateral's oracle value falls enough to breach the market's LLTV, the position can be liquidated. Keep an LTV buffer, add collateral, or repay down.
• At/after maturity — default. The fixed maturity (surfaced on params.market.maturity) is a hard deadline. Once it passes, an unrepaid loan is in default and can be liquidated regardless of health or LTV — being past-due is itself the trigger. This is the Midnight-specific risk to watch: mark the maturity date and fully repay before it, even if the position is comfortably collateralised.

Repay exactly the debt. Over-repaying reverts on-chain (there is no over-repay buffer — do not pad the amount, and isAll does not auto-size here), while under-repaying leaves a dust position that stays open and therefore still liquidatable after maturity. Set amount to the position's current debt (loan-token units) from /v1/data/lending/user-positions and approve exactly that to the Midnight core. To fully close and reclaim collateral, repay the debt and then withdraw the collateral via /v1/actions/lending/withdraw — collateral cannot be freed while any debt remains.

Teller markets (TELLER_<pool>): pass posId = the bidId to repay (from the user-positions term.loanId). A full repay (isAll, or an amount ≥ the amount owed) uses repayLoanFull which repays principal + interest and releases ALL the bid's collateral — Teller has no keep-collateral partial close. A partial repay (amount < owed) uses repayLoan and keeps the collateral escrowed. ⚠ Liquidation is TIME-based and aggressive: after the term you have only a short grace window (params.market.teller.paymentDefaultDuration, as low as 5 min) to roll over or repay — miss it and the loan DEFAULTS, and a liquidator can seize your ENTIRE collateral (not just the amount owed). Repay or roll over before the deadline; there is no price buffer.

Plain-text reference — GET /v1/actions/lending/repay

Parameters

Parameter	In	Type	Required	Description
marketUid	query	string	yes	Market identifier (lender:chainId:address). The address encodes the underlying token (Aave/Morpho/CompoundV3), cToken (CompoundV2), or pool (Init Capital).
amount	query	string	yes	Amount in wei
mode	query	proxy, direct	no	Execution mode. proxy = 1delta composer, direct = raw protocol
operator	query	string	no	Wallet address of the user executing the action
receiver	query	string	no	Recipient of the lender position (deposit) or underlying tokens (borrow/withdraw).
Defaults to operator when omitted.

Custom-receiver support is per-lender. The API auto-selects the execution path:

Direct path supported

• Aave V2/V3 — supply / withdraw honor to.
• Aave V4 — deposit via GiverPM supplyOnBehalfOf. Requires the GiverPM to be curated in aave-v4-peripherals.json with a name containing "giver".
• Compound V3 — supplyTo / withdrawTo.
• Morpho Blue & Lista DAO ERC-20 markets — Morpho onBehalf.
• Euler V2 ERC-20 vaults — ERC-4626 deposit(receiver). Collateral auto-enable is dropped for non-sub-account receivers.
• Silo V2/V3 ERC-20 — deposit(_, receiver, _).
• Gearbox V3 passive-pool deposits — ERC-4626 deposit(_, receiver).
• Fluid borrow & withdraw — operate(..., to_) outflow slot.
• Fluid deposit to an existing NFT when accountId is supplied — pure-deposit operate() calls bypass Fluid's owner auth gate, and the API folds a pre-flight VaultFactory.ownerOf(nftId) == receiver check into the merged multicall (rejects with 400 INVALID_PARAM on mismatch, VALIDATION_FAILED if the RPC can't confirm ownership).

Routes to composer (proxy) path

• Compound V2 family — direct mint is msg.sender-only.
• Fluid fresh-open deposits — no accountId or accountId=0. The composer mints the new position NFT to itself, then transfers it to receiver via the encoder's nftReceiver slot.
• Native-ETH vaults on Fluid (deposit / withdraw / repay) and the CompoundV2 family — the composer forwards msg.value to the vault's payable entrypoint. Other lenders' composer paths reject native asset and require wrapped-native as payAsset.

Direct-only branches that throw

• Gearbox V3 credit-side addCollateral — CA bound to operator.
• Aave V4 native-gateway path — supplyAsCollateralNative has no recipient slot.

Unsupported in any single tx

• Init Capital — position NFT swept to operator.
• Euler V2 / Silo V2/V3 native deposit paths — router/orchestrator credits msg.sender.
• Fluid repay — on-chain primitive permits it, direct handler doesn't expose a receiver slot yet (routes to proxy as a conservative default).

When the lender cannot honor a custom receiver on the direct path, getTarget falls back to proxy automatically. Forcing mode=direct on an unsupported path either throws (Gearbox credit-side, Aave V4 spoke, the explicit Silo router check) or silently credits the operator instead (Compound V2, Init, and Fluid fresh-open). | | isAll | query | boolean | no | Withdraw/repay full balance.

When on-chain position data is available, the API compares amount against the actual balance to decide the effective mode:

• If amount covers the full position the action is treated as "withdraw/repay all" regardless of this flag.
• If isAll is true but amount is less than the position, the API falls back to a partial action with the provided amount to avoid on-chain reverts.

Without on-chain data, the flag is trusted as-is. | | lendingMode | query | string | no | Interest rate mode (0=NONE, 1=STABLE, 2=VARIABLE) | | loanId | query | string | no | Lista DAO fixed-term (brokered) markets only. Identifies which loan to repay.

Pass the loanId of the target loan from the user's positions (each per-loan position in the user-positions response carries loanId and a term object). To repay the flexible / dynamic position instead, pass the sentinel 340282366920938463463374607431768211455 (type(uint128).max).

The broker repays interest-first (plus an early-repayment penalty for not-yet-matured fixed loans) and refunds any excess to the caller, so to fully close a loan fund outstanding + accruedInterest + earlyRepayPenalty (all on the per-loan term).

Required on brokered repays; ignored for non-brokered lenders. | | payAsset | query | string | no | Asset to pay with.

Use the zero address to pay with native ETH on lenders whose vault accepts native debt repayment (e.g. Init Capital, Fluid native-debt vaults, CompoundV2 cETH markets).

Proxy mode: defaults to market asset. Native is forwarded as msg.value only when the lender supports it (e.g. Fluid, CompoundV2); otherwise the composer rejects. | | isShares | query | boolean | no | Amount is in shares (direct mode) | | accountId | query | string | no | Per-position identifier. Lender-specific:

• Init Capital — account ID, required for borrow/withdraw/repay.
• Euler V2 — sub-account index (0..255), defaults to 0.
• Gearbox V3 — credit-account address (alias: creditAccount).
• Fluid — position NFT id. Omit or pass 0 to mint a new position; supply an existing nftId to act on an existing position. Required for borrow/withdraw/repay; for deposit it unlocks the direct path with a custom receiver (deposit lands on the receiver-owned NFT after pre-flight ownerOf validation). | | slippage | query | number | no | Slippage tolerance in basis points (50 = 0.5%, 100 = 1%).

Required whenever the action has to price something:

• Aggregator swap — when payAsset / receiveAsset differs from the market's underlying, the currency conversion is routed through a DEX aggregator and this bounds that swap.
• Order-book take (Morpho Midnight) — bounds the worst execution price accepted while filling offers.

Ignored when neither applies (same-asset action on a pool lender). | | simulate | query | boolean | no | When true, the API fetches the user's on-chain balances and returns projected post-trade metrics in the simulation field. Default: false. |

Response 200

Field	Type	Description
success	True
data	object	Informational data (quotes, simulation results, etc.)
data.transaction	object	An EVM transaction ready to sign and broadcast. Send to, data and value as-is; do not re-encode them.
data.transaction.to	string	Target contract address
data.transaction.data	string	Encoded calldata
data.transaction.value	string	ETH value to send with the transaction
data.transaction.description	string	Human-readable label. For alternatives, this is the aggregator name (e.g. "Paraswap"). For transactions, describes the setup action (e.g. "Switch e-mode to 1").
data.permissionTxns	object[]	Approval transactions that must be executed before the main transaction. Empty when the user already has sufficient allowances.
data.permissionTxns[].to	string	Target contract address
data.permissionTxns[].data	string	Encoded calldata
data.permissionTxns[].value	string	ETH value
data.permissionTxns[].description	string	Human-readable description of the approval (e.g. "Approve borrow for AAVE_V3", "Approve ERC20")
data.permissionTxns[].spender	string	ERC-20 approve spender (x-chain permissions). Match it against the selected quote's approvalTarget — several bridges can share one spender, so do not match by description.
data.rateImpact	object[]	Projected interest-rate impact per market. Single-market actions produce 1 entry; loop actions produce 2. Null if IRM data is unavailable.
data.rateImpact[].marketUid	string	Market identifier (format: lender:chainId:address)
data.rateImpact[].utilization	object	A current/projected pair for a single rate metric.
data.rateImpact[].utilization.current	number	Current value
data.rateImpact[].utilization.projected	number	Projected value after the action
data.rateImpact[].borrowRate	object	A current/projected pair for a single rate metric.
data.rateImpact[].borrowRate.current	number	Current value
data.rateImpact[].borrowRate.projected	number	Projected value after the action
data.rateImpact[].depositRate	object	A current/projected pair for a single rate metric.
data.rateImpact[].depositRate.current	number	Current value
data.rateImpact[].depositRate.projected	number	Projected value after the action
data.transaction	object	An EVM transaction ready to sign and broadcast. Send to, data and value as-is; do not re-encode them.
data.transaction.to	string	Target contract address
data.transaction.data	string	Encoded calldata
data.transaction.value	string	ETH value to send with the transaction
data.transaction.description	string	Human-readable label. For alternatives, this is the aggregator name (e.g. "Paraswap"). For transactions, describes the setup action (e.g. "Switch e-mode to 1").
data.permissionTxns	object[]	Approval transactions that must be executed before the main transaction. Empty when the user already has sufficient allowances.
data.permissionTxns[].to	string	Target contract address
data.permissionTxns[].data	string	Encoded calldata
data.permissionTxns[].value	string	ETH value
data.permissionTxns[].description	string	Human-readable description of the approval (e.g. "Approve borrow for AAVE_V3", "Approve ERC20")
data.permissionTxns[].spender	string	ERC-20 approve spender (x-chain permissions). Match it against the selected quote's approvalTarget — several bridges can share one spender, so do not match by description.
data.rateImpact	object[]	Projected interest-rate impact per market. Single-market actions produce 1 entry; loop actions produce 2. Null if IRM data is unavailable.
data.rateImpact[].marketUid	string	Market identifier (format: lender:chainId:address)
data.rateImpact[].utilization	object	A current/projected pair for a single rate metric.
data.rateImpact[].utilization.current	number	Current value
data.rateImpact[].utilization.projected	number	Projected value after the action

Example response

{
  "success": true,
  "data": {
    "transaction": {
      "to": "0x87870Bca3F3fD6335C3F4ce8392D69350B4fA4E2",
      "data": "0x617ba037000000000000000000000000c02aaa39b2",
      "value": "0",
      "description": "string"
    },
    "permissionTxns": [
      {
        "to": "0xC02aaA39b223FE8D0A0e5C4F27eAD9083C756Cc2",
        "data": "0x617ba037000000000000000000000000c02aaa39b2",
        "value": "0",
        "description": "string",
        "spender": "0xC02aaA39b223FE8D0A0e5C4F27eAD9083C756Cc2"
      }
    ],
    "rateImpact": [
      {
        "marketUid": "AAVE_V3:8453:0x4200000000000000000000000000000000000006",
        "utilization": {
          "current": 1.0,
          "projected": 1.0
        },
        "borrowRate": {
          "current": 1.0,
          "projected": 1.0
        },
        "depositRate": {
          "current": 1.0,
          "projected": 1.0
        }
      }
    ]
  },
  "actions": {
    "transactions": [
      {
        "to": "0x87870Bca3F3fD6335C3F4ce8392D69350B4fA4E2",
        "data": "0x617ba037000000000000000000000000c02aaa39b2",
        "value": "0",
        "description": "string"
      }
    ],
    "alternatives": [
      {
        "to": "0x87870Bca3F3fD6335C3F4ce8392D69350B4fA4E2",
        "data": "0x617ba037000000000000000000000000c02aaa39b2",
        "value": "0",
        "description": "string"
      }
    ],
    "permissions": [
      {
        "to": "0xC02aaA39b223FE8D0A0e5C4F27eAD9083C756Cc2",
        "data": "0x617ba037000000000000000000000000c02aaa39b2",
        "value": "0",
        "description": "string",
        "spender": "0xC02aaA39b223FE8D0A0e5C4F27eAD9083C756Cc2"
      }
    ]
  }
}

Request

Responses

200

Transaction calldata and approvals for repay

400

Validation error

429

Rate limited. Unauthenticated callers share a per-IP budget; send an x-api-key header to lift it. Retry with exponential backoff.

500

Unexpected server error. Safe to retry with backoff.

502

An upstream data source or protocol origin failed (error.code is ORIGIN_FAILED). error.details carries the per-origin status. This is also what a missing or malformed required parameter currently returns, rather than a 400.