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

# Repay

> Repay borrowed assets

Return borrowed assets to reduce or close positions. The SDK handles transaction building, instruction creation for debt repayment.

## Repay

Return borrowed assets into the reserve.

> [tab] TypeScript
>
> **Step 1**
>
> ### Import Dependencies
>
> ```typescript theme={"theme":"css-variables"}
> import {
>   createSolanaRpc,
>   createSolanaRpcSubscriptions,
>   address,
>   pipe,
>   createTransactionMessage,
>   setTransactionMessageFeePayerSigner,
>   setTransactionMessageLifetimeUsingBlockhash,
>   appendTransactionMessageInstructions,
>   signTransactionMessageWithSigners,
>   assertIsTransactionWithinSizeLimit,
>   sendAndConfirmTransactionFactory,
>   getSignatureFromTransaction,
> } from '@solana/kit';
> import {
>   KaminoMarket,
>   KaminoAction,
>   VanillaObligation,
>   PROGRAM_ID,
>   getCurrentLedgerInstant,
>   getMedianSlotDurationInMsFromLastEpochs,
> } from '@kamino-finance/klend-sdk';
> import { parseKeypairFile } from '@kamino-finance/klend-sdk/dist/utils/signer.js';
> import BN from 'bn.js';
> ```
>
> **Step 2**
>
> ### Load Market and Initialize RPC
>
> ```typescript theme={"theme":"css-variables"}
> const KEYPAIR_FILE = '/path/to/your/keypair.json';
> const signer = await parseKeypairFile(KEYPAIR_FILE);
>
> const rpc = createSolanaRpc('https://api.mainnet-beta.solana.com');
> const rpcSubscriptions = createSolanaRpcSubscriptions('wss://api.mainnet-beta.solana.com');
> const marketPubkey = address('7u3HeHxYDLhnCoErrtycNokbQYbWGzLs6JSDqGAv5PfF'); // SOL/BTC Market
>
> const market = await KaminoMarket.load(rpc, marketPubkey, await getMedianSlotDurationInMsFromLastEpochs());
> ```
>
> **Step 3**
>
> ### Load the Obligation
>
> Load the wallet's borrow position so the SDK refreshes every reserve it uses.
>
> ```typescript theme={"theme":"css-variables"}
> const obligation = await market!.getObligationByWallet(signer.address, new VanillaObligation(PROGRAM_ID));
>
> if (!obligation) {
>   console.log('No borrow position found for', signer.address);
> }
> ```
>
> **Step 4**
>
> ### Build Repay Instructions
>
> Repay part of the USDT loan from the USDT in the wallet.
>
> ```typescript theme={"theme":"css-variables"}
> const usdtMint = address('Es9vMFrzaCERmJfrF4H2FYD4KCoNkY11McCe8BenwNYB');
> const usdtReserve = market!.getExistingFloatRateReserveByMint(usdtMint);
>
> const repayAction = await KaminoAction.buildRepayTxns({
>   kaminoMarket: market!,
>   amount: new BN(500_000),
>   reserveAddress: usdtReserve.address,
>   owner: signer,
>   obligation: obligation!,
>   useV2Ixs: true,
>   scopeRefreshConfig: undefined,
>   currentLedgerInstant: await getCurrentLedgerInstant(rpc),
> });
> ```
>
> > [!TIP]
> >
> > To repay the whole loan including accrued interest, pass `new BN(U64_MAX)` as the amount (`U64_MAX` is exported by the SDK). The program repays the exact debt, so no dust is left.
>
> **Step 5**
>
> ### Build the Transaction
>
> ```typescript theme={"theme":"css-variables"}
> const { value: latestBlockhash } = await rpc.getLatestBlockhash({ commitment: 'finalized' }).send();
>
> const transactionMessage = pipe(
>   createTransactionMessage({ version: 0 }),
>   (tx) => setTransactionMessageFeePayerSigner(signer, tx),
>   (tx) => setTransactionMessageLifetimeUsingBlockhash(latestBlockhash, tx),
>   (tx) => appendTransactionMessageInstructions(KaminoAction.actionToIxs(repayAction), tx)
> );
> ```
>
> **Step 6**
>
> ### Sign and Send
>
> ```typescript theme={"theme":"css-variables"}
> const signedTransaction = await signTransactionMessageWithSigners(transactionMessage);
> assertIsTransactionWithinSizeLimit(signedTransaction);
>
> await sendAndConfirmTransactionFactory({ rpc, rpcSubscriptions })(signedTransaction, {
>   commitment: 'confirmed',
>   skipPreflight: true,
> });
>
> console.log('Repay successful! Signature:', getSignatureFromTransaction(signedTransaction));
> ```
>
> > [!TIP]
> >
> > The repayment is complete. The debt in the borrow position is reduced.

> [tab] Rust
>
> **Step 1**
>
> ### Add Dependencies
>
> ```toml theme={"theme":"css-variables"}
> [dependencies]
> klend-interface = "0.6.0"
> solana-pubkey = "2.1"
> solana-instruction = "2.1"
> solana-sdk = "~2.3"
> solana-client = "~2.3"
> spl-token = "7"
> spl-associated-token-account = "6"
> ```
>
> > [!NOTE]
> >
> > `klend-interface` is a lightweight Rust instruction builder that creates `Vec<Instruction>` with required refresh instructions prepended automatically.
>
> **Step 2**
>
> ### Set Up RPC Client
>
> ```rust theme={"theme":"css-variables"}
> use solana_client::rpc_client::RpcClient;
> use solana_sdk::signer::keypair::read_keypair_file;
> use solana_sdk::signer::Signer;
>
> let rpc_client = RpcClient::new("https://api.mainnet-beta.solana.com");
> let signer = read_keypair_file("/path/to/your/keypair.json")
>     .expect("Failed to read keypair file");
> let owner = signer.pubkey();
> ```
>
> **Step 3**
>
> ### Build Obligation Context
>
> ```rust theme={"theme":"css-variables"}
> use klend_interface::ObligationContext;
> use klend_interface::pda;
> use klend_interface::KLEND_PROGRAM_ID;
> use solana_pubkey::Pubkey;
> use std::str::FromStr;
>
> let lending_market = Pubkey::from_str("7u3HeHxYDLhnCoErrtycNokbQYbWGzLs6JSDqGAv5PfF").unwrap();
> let repay_reserve_pubkey = Pubkey::from_str("FBSyPnxtHKLBZ4UeeUyAnbtFuAmTHLtso9YtsqRDRWpM").unwrap();
>
> // Derive the obligation PDA
> let (obligation_pubkey, _) = pda::obligation(
>     &KLEND_PROGRAM_ID, 0, 0, &owner, &lending_market,
>     &Pubkey::default(), &Pubkey::default(),
> );
>
> // Fetch the obligation account
> let obligation_data = rpc_client.get_account(&obligation_pubkey)?;
>
> // Discover which reserves the obligation references
> let reserve_addrs = ObligationContext::reserve_addresses_for_obligation(&obligation_data.data)?;
>
> // Fetch all reserve accounts in one RPC call
> let reserve_accounts = rpc_client.get_multiple_accounts(&reserve_addrs)?;
>
> // Build the context
> let reserves: Vec<(Pubkey, &[u8])> = reserve_addrs.iter()
>     .zip(reserve_accounts.iter())
>     .filter_map(|(addr, acc)| acc.as_ref().map(|a| (*addr, a.data.as_slice())))
>     .collect();
> let ctx = ObligationContext::from_account_data(
>     obligation_pubkey, &obligation_data.data, &reserves
> )?;
> ```
>
> > [!NOTE]
> >
> > `ObligationContext` is the recommended approach for obligation-based operations. It fetches the obligation and its associated reserves, then provides convenient `.deposit()`, `.borrow()`, `.repay()`, and `.withdraw()` methods.
>
> **Step 4**
>
> ### Derive Token Accounts
>
> ```rust theme={"theme":"css-variables"}
> use spl_associated_token_account::get_associated_token_address;
>
> // User's ATA for the repay token (e.g. USDT)
> let repay_liquidity_mint = Pubkey::from_str("Es9vMFrzaCERmJfrF4H2FYD4KCoNkY11McCe8BenwNYB").unwrap();
> let user_source_liquidity = get_associated_token_address(&owner, &repay_liquidity_mint);
> ```
>
> **Step 5**
>
> ### Build Instructions
>
> ```rust theme={"theme":"css-variables"}
> let instructions = ctx.repay(
>     owner,
>     &repay_reserve_pubkey,
>     user_source_liquidity,
>     1_000_000, // 1 USDT (6 decimals)
> )?;
> // Returns: [refresh_reserves..., refresh_obligation, repay_obligation_liquidity_v2]
> ```
>
> **Step 6**
>
> ### Build and Send Transaction
>
> ```rust theme={"theme":"css-variables"}
> use solana_sdk::transaction::Transaction;
> use solana_sdk::message::Message;
>
> let message = Message::new(&instructions, Some(&owner));
> let recent_blockhash = rpc_client.get_latest_blockhash()?;
> let tx = Transaction::new(&[&signer], message, recent_blockhash);
> let signature = rpc_client.send_and_confirm_transaction(&tx)?;
> println!("Repay successful! Signature: {signature}");
> ```
>
> > [!NOTE]
> >
> > Repaying reduces your debt and improves your loan-to-value (LTV) ratio, making your position healthier and reducing liquidation risk.
>
> > [!TIP]
> >
> > The repay is complete. Your debt has been reduced.
>
> [View Code](https://github.com/Kamino-Finance/klend/blob/master/libs/klend-interface/examples/repay.rs)

> [accordion] What Happens When You Repay?
>
> 1. Assets are transferred from your wallet to the reserve pool
> 2. Your borrow amount decreases in your obligation
> 3. You stop paying interest on the repaid amount
> 4. Your loan-to-value (LTV) ratio decreases (healthier position)
> 5. Your available borrowing capacity increases

> [accordion] Repayment and Interest
>
> **Repay some of your debt to improve your LTV:**
>
> * Repaying entire borrowed amount + accrued interest eliminates debt
> * Full repayment allows you to withdraw all collateral
> * You must repay the principal + accrued interest
> * Interest accrues continuously


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