Withdraw and repay on Stellar Lending

Withdraw collateral when your position stays healthy, or repay debt to reduce interest and improve your health factor. Both actions are available on XOXNO lending.

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Withdraw collateral

You can withdraw only if your position remains solvent after the withdrawal. The protocol checks your health factor and borrowing limit.

1. Open your position on XOXNO lending.
2. Choose the asset to withdraw and enter an amount.
3. Review the projected health factor. Confirm in your wallet.

If you still have debt, a withdrawal that would push your health factor below 1 is rejected. Repay debt first or withdraw a smaller amount.

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Withdraw your full balance

To remove an entire collateral balance for one asset, select the full withdrawal option on the lending app. The protocol withdraws your complete post-interest balance for that asset. If you withdraw all collateral and have no remaining debt, your lending account closes. Supply again later to open a fresh account.

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Repay debt

Repaying reduces what you owe and improves your health factor. Interest stops accruing on the repaid portion.

1. Open Repay for the debt asset you want to pay down.
2. Enter an amount from your wallet.
3. Confirm the transaction.

Borrowed funds do not auto-repay. You must send the debt token from your wallet.

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Anyone can repay your loan

Repayment does not require you to be the account owner. A friend, bot, or integrator can repay your debt on your behalf. Overpayment is refunded to whoever sent the repayment. This is useful if you want help de-risking a position or if an app repays debt as part of a strategy.

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When to withdraw vs repay