Refinance / roll-over (move debt to a fixed term)

GET /v1/actions/loop/refinance

Move a user's fixed-term debt into a fresh term — "refinance" / "roll-over".

Serves two lenders, each with its own mechanism (the response shape is the same: a transaction plus its permissions):

Lista DAO brokered markets — a flash-loan-backed 1delta composer bundle (repay the source loan, open the new fixed loan).
Exactly — the protocol's OWN periphery (DebtManager on Optimism, DebtRoller on Base): ONE direct transaction that flash-loans from Balancer, repays the source position and re-borrows into the target. Because it acts on msg.sender's own position it must be sent by the borrower, and it needs a Market borrow allowance (returned as a permission). Maps fromLoanId → source maturity and termId → target maturity, with termId=0 meaning "roll into the variable/floating position" and an absent fromLoanId meaning "roll FROM the floating position". Base ships only the fixed→fixed direction. The response adds an exactly block (direction, percentage, rolledAssets, projectedFaceValue).
Refinance (default, omit fromLoanId): roll the dynamic/float position into a fixed term — e.g. an expired fixed loan the keeper rolled into the dynamic bracket. Lista's own refinanceMaturedFixedPositions (matured fixed → dynamic) is keeper-only; this is the user-driven inverse.
Roll-over (fromLoanId = a fixed loan's posId): roll one fixed loan into a different term (rate/duration). Rolling a not-yet-matured fixed loan repays it early, so amount must also cover its accrued interest + early-repayment penalty.

Same collateral, same principal, different rate bracket.

Flash-loan backed (robust at any LTV). The flash comes free from the market's own Moolah singleton, and the new fixed loan repays it. The returned transaction is a single composer bundle:

flashLoan(loanToken, amount) from Moolah:
  approve loanToken → Moolah            # so Moolah can pull the flash repayment
  broker.repay(amount, DYNAMIC, user)   # repay the float position with the flashed funds
  broker.borrow(amount, termId, user, receiver=composer)  # open the new fixed loan; repays the flash
→ sweep residual loanToken back to user

Because the dynamic is repaid before the fixed borrow, the borrow's health check sees the original (net) debt — no 2× peak — so it works regardless of LTV.

Net debt is unchanged. A setAuthorization(composer) permission (on Moolah) is returned only when the composer isn't already authorized — the broker's on-behalf borrow requires it, but setAuthorization reverts AlreadySet() if re-applied, so the server reads isAuthorized(user, composer) on-chain and omits the permission when it's already set. actions.permissions is empty in that case.

Notes:

Single-market, debt-side only — pass the loan-token marketUid of a brokered market.
Full close (default — omit amount): the server sizes the flash to the source loan's borrow balance + a small (0.05%) margin, clearing it to zero (the broker refunds the margin, swept back). The balance is the max of (a) the borrowBalance you POST in the body and (b) a fresh on-chain read — robust whether or not the worker's live RPC is current. Avoids the REMAIN_BORROW_TOO_LOW revert from a stale client snapshot amount. Prefer POST with borrowBalance (+ earlyRepayPenalty for a not-yet-matured fixed source) from /v1/data/lending/user-positions; a plain GET also works (on-chain read only). Never make the user hand-pick an over-funded amount.
Partial re-fix: pass an explicit amount (leave isAll unset) < the source outstanding. Both the new fixed (amount) and the remaining source must clear minLoan.

Plain-text reference — GET /v1/actions/loop/refinance

Parameters

Parameter	In	Type	Required	Description
`marketUid`	query	string	yes	Loan-token market identifier of a Lista brokered market (`lender:chainId:address`).
`amount`	query	string	no	Flash / repay / new-fixed amount (loan-token wei). Required only for a partial re-fix (provide `amount`, leave `isAll` unset). For a full close, omit it — the server sizes the flash itself; if present alongside a full close it is used only as a floor hint.
`isAll`	query	boolean	no	Force a full close even when `amount` is present. A full close is also the DEFAULT whenever `amount` is omitted. The server sizes the flash to the source loan's borrow balance — the max of the POST-body `borrowBalance` (+ `earlyRepayPenalty`) and a fresh on-chain read (dynamic = `getUserTotalDebt` minus each fixed position's current debt; fixed = that position's current debt + early-repay penalty) — plus a small (0.05%) margin. The repay clears the source to zero and the broker refunds the margin (swept back), so there is no sub-`minLoan` dust and no `REMAIN_BORROW_TOO_LOW`. Set `amount` (and leave this unset) only for a deliberate partial re-fix.
`termId`	query	integer	yes	Fixed term to move the debt into, from the market's `terms[]` rate card (`MarketTerm.termId`).
`fromLoanId`	query	string	no	Source loan to roll FROM: a fixed loan's `loanId` (posId) to roll one fixed loan into another term, or omit (defaults to `type(uint128).max`) to refinance the dynamic/float position.
`operator`	query	string	yes	The borrower (and tx sender). Both the repaid source loan and the new fixed loan are this account.

Request body

Field	Type	Required	Description
`borrowBalance`	string	no	Source loan's current borrow balance (loan-token wei).
`earlyRepayPenalty`	string	no	Source loan's early-repay penalty (loan-token wei) — fixed, not-yet-matured source only.

Response 200

Field	Type	Description
`success`	`True`
`data`	object	Response from proxy-mode lending operations (via 1delta composer).
`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
`actions`	object	Transaction calldata and approvals. Null for quote-only responses (no account provided).
`actions.transactions`	object[]	Pre-trade setup transactions (e.g. e-mode switch, collateral enable). Execute these before the main swap. Empty when no setup is needed.
`actions.transactions[].to`	string	Target contract address
`actions.transactions[].data`	string	Encoded calldata
`actions.transactions[].value`	string	ETH value to send with the transaction
`actions.transactions[].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").
`actions.alternatives`	object[]	DEX aggregator swap transactions sorted by best output (descending). Each entry's `description` is the aggregator name. The client should pick one to execute. Present on loop action endpoints.
`actions.alternatives[].to`	string	Target contract address
`actions.alternatives[].data`	string	Encoded calldata
`actions.alternatives[].value`	string	ETH value to send with the transaction
`actions.alternatives[].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").
`actions.permissions`	object[]	Approval/delegation transactions that must execute before both `transactions` and `alternatives`. Includes ERC20 allowances (targeting the composer contract) and lender borrow/withdrawal delegations (targeting the lending protocol contract directly). Filtered against on-chain state so only missing approvals are returned. Null when no approvals are needed.
`actions.permissions[].to`	string	Target contract address
`actions.permissions[].data`	string	Encoded calldata
`actions.permissions[].value`	string	ETH value
`actions.permissions[].description`	string	Human-readable description of the approval (e.g. "Approve borrow for AAVE_V3", "Approve ERC20")

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

Flash-loan composer transaction (repay source loan + borrow new fixed term) and the borrow-authorization permission

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

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.

Refinance / roll-over (move debt to a fixed term)

/v1/actions/loop/refinance

Request​

Responses​

Request

Responses