How to Borrow, Repay and Refinance on Bitpont

Open and manage a loan

1. Select the exact market.

   From Earn, choose the network and Borrow. Inspect the collateral token, loan token, protocol and liquidation rules. The same token pair on another market may have different limits.

2. Supply eligible collateral.

   Choose the owning wallet, enter the collateral amount and review its approval and deposit. Some products offer a combined borrow transaction; only rely on the combination described in its review.

3. Choose the debt amount.

   Compare current borrowing APR, available liquidity and the resulting health. Rates can change, and an asset’s quoted dollar price can move. A high maximum borrow amount is not a suggested amount.

4. Verify both sides.

   After completion, refresh collateral, debt and wallet proceeds. A position total must not hide the outstanding liability.

Repay before releasing collateral

Open the position and choose a supported partial or full repayment. Accrued interest can change the amount owed; refresh before approving. After debt is reduced, review collateral withdrawal against the remaining health limits. A swap of collateral and repayment are separate operations unless the review explicitly builds a compatible atomic action.

Refinance only compatible positions

Open the supported refinance action or Operations route. Check the source and destination markets, loan asset, collateral asset, approvals, quoted costs and final debt. Current Morpho borrowing migration is restricted to compatible markets; it is not a universal debt swap. Completed preliminary approvals or swaps are not undone just because a later step fails.

If health or confirmation is unavailable

Read the exact product error and refresh. A stale health estimate must not be treated as current protection. If a transaction has a hash, check its outcome before preparing another repayment or migration. Local position alerts require the documented monitoring conditions and are not guaranteed liquidation protection.