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Repaying reduces a lending account’s debt. Interest stops accruing on the repaid portion. Anyone can fund a repayment. The pool refunds any received amount above the outstanding debt to the payer.

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Repay in the app

Before repaying, hold the debt asset in the wallet that will fund the payment. Check the lending account, hub, token, and Stellar network.
  1. Open the account on XOXNO.
  2. Choose Repay for the debt asset.
  3. Enter a positive amount.
  4. Review the amount and the account receiving the repayment.
  5. Approve the payment in your wallet.
  6. Wait for confirmation on Stellar.
  7. Check the remaining debt.
If confirmation is unclear, follow Check transaction status before approving another repayment. Use the asset owed by the account. Borrowed funds do not repay automatically, and a supplied balance does not automatically offset debt in the same asset. Repay with collateral is a separate strategy.

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Close a debt balance

Allow for interest accrued before the transaction executes when repaying a full balance. The pool refunds received overpayment to the payer. A zero amount does not mean full repayment. Very small repayments can fail if they would not reduce the recorded debt. After repayment, check that no debt remains before withdrawing collateral to close the account.

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Repayment availability

Plain repayment does not require oracle prices or a health-factor check. It can therefore remain available during an oracle outage, even when borrowing or an indebted withdrawal fails. A paused listing blocks repayment of that asset. A frozen listing or a protocol-wide pause does not block it. The payer must still authorize the token transfer, and the account must have debt in the selected market. Contract calls, refunds, and error codes are in the repayment integration guide.