> ## Documentation Index
> Fetch the complete documentation index at: https://xoxno.com/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# Repay loans

> Repay account debt through the controller. Repay is permissionless.

Repay borrowed assets to reduce or close debt. **Anyone** can repay any account;
overpayment refunds to the payer.

## Repaying

1. Identify account debt markets
2. Authorize token transfer of the repay amount
3. Call `repay`
4. Confirm scaled debt decreased (events / views)

### Call shape

See [Withdraw and repay (dev)](/docs/stellar-lending/dev/withdraw-and-repay) for the
current controller signature and CLI examples.

### Preconditions

* Payer authorizes the token transfer to the pool
* Debt position exists for the repaid asset / hub key (`#120` otherwise)
* Amounts must be strictly positive — unlike `withdraw`, zero is not a sentinel
* A `paused` spoke asset blocks repay on that listing; a `frozen` one does not
* Global protocol pause does not block repay

### Tips

* Repay improves health factor before you withdraw collateral
* Liquidators use related paths; users usually prefer plain `repay`