How do I repay a protocol loan from another chain?

How do I repay a protocol loan from another chain?

Bridge the repayment token to the network where your loan lives, then repay from your wallet. For example, if you borrowed USDC on Base but hold funds on Polygon, move enough USDC to Base first. A bungee bridge can find a route between chains, sometimes with a token swap included.

  • Repay the same token and on the same network as the debt.
  • Keep some of the destination network’s native token for transaction fees.
  • Bridge to your wallet address, then repay through the lending protocol.

Check the debt before moving funds

First confirm the network, token, and amount shown for your loan. A token with the same ticker on two chains may be a different asset, and a repayment on the wrong network will not reduce the debt.

Suppose your wallet holds 110 USDC on Polygon, while your loan is 100 USDC on Base. The debt may have grown since you borrowed, so check its current amount before choosing how much to move. Leave room for the bridge’s estimated swap and transfer costs, plus any repayment approval or network fee.

Move the repayment token to the right network

Use a cross-chain bridge to transfer tokens between blockchains. Bungee is a bridge aggregator: it compares routes offered through different bridging protocols, and a route may swap your starting token into the repayment token as it moves.

  1. Confirm your source funds. Check the token balance and network in your wallet. Keep enough of that network’s native token, such as POL on Polygon, to pay for the transfer.
  2. Set the destination to the loan’s network. Choose the repayment asset you need there, such as USDC on Base. Compare the estimated amount arriving, route time, and any swap shown.
  3. Send funds to your own wallet. Use the address that holds the loan. Do not send tokens to a protocol contract or a repayment address unless the protocol specifically instructs you to do so.
  4. Wait for the transfer to finish. A bridge may need to confirm the source transaction and deliver funds on the destination chain. Check your wallet balance on that chain before trying to repay.

For instance, moving 105 USDC from Polygon could leave less than 105 USDC on Base after costs. These are illustrative amounts; the received amount and time depend on the selected route and network conditions.

Repay from the wallet holding the debt

Open the lending protocol on the same network as the loan, choose that borrowed asset, and repay the amount you intend. Repayment reduces the debt; a partial payment leaves the remaining balance open.

  1. Keep destination gas. Gas is the network fee for processing a transaction. A token balance alone may not be enough: you may also need a small amount of the destination network’s native token.
  2. Approve the token if asked. An approval gives the protocol permission to use a specific token amount. Some tokens and flows need a separate approval transaction before repayment, which also costs gas.
  3. Review and confirm the repayment. Check the asset, network, and amount in your wallet. After confirmation, check the loan again to see whether it decreased or closed.

A common mistake is bridging only the exact displayed debt and arriving short after route costs or interest. Check the balance that arrives, repay what you can, then bridge the remainder if needed; for a fuller explanation, read how bungee bridge routes tokens. Aave’s repayment documentation describes token approval, while ethereum.org explains why transactions need network fees.

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