Repay

Repay pays down your USDC loan. Any amount up to what you owe, any time, no penalty.

What the method does

On-chain, repay transfers USDC from your wallet to the position’s lender and reduces your debt:

• The position’s stored lender (Jupiter Lend or Kamino Lend) decides which repay flow runs.
• Repaying lowers your LTV and frees collateral for withdrawal.
• There is no minimum, no schedule, and no early-repayment fee.

Note you may not need to repay as much as you think: Sonnar harvests vault profit into your debt continuously, and when the effective APY is negative the balance is already shrinking on its own - the selfRepayDate in getQuote projects when it would reach zero unaided.

How to call it

import { executeAction, parseUsdc, CBBTC_MINT } from "@hobba-io/core";

const { signature } = await executeAction({
  connection,
  signer,
  collateralMint: CBBTC_MINT,
  action: "repay",
  amount: parseUsdc("75"),      // micro-USDC (1e6)
  apiBaseUrl: "https://app.hobba.io",
  onStep: (s) => setStatus(s),
});

Bounds - use getLimits for “repay max”

const limits = await getLimits({ connection, owner, collateralMint, apiBaseUrl });
// limits.maxRepayUsdc - the correct "Max" amount, micro-USDC

Don’t compute “max repay” as min(wallet balance, debt) yourself - there’s a lender nuance: Jupiter Lend rejects a repay that leaves a tiny non-zero debt below its minimum-debt floor. maxRepayUsdc already shaves the required dust (about 0.02 USDC) so a full repay clears cleanly, and accounts for interest accruing between quote and execution. On Kamino it’s the plain min(wallet USDC, debt).

After it lands

• Your debt and LTV drop immediately.
• If your LTV falls below Sonnar’s band, the engine may deploy more working capital - that’s expected and doesn’t touch your loan figure, which only counts your debt (userDebtUsdc).
• Once the debt is fully cleared, the position keeps earning: the collateral stays productive and harvest leftovers are sent straight to your wallet. You can then withdraw everything whenever you like.