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Repay your borrowed assets to reduce debt, then withdraw your collateral once your position is healthy enough.

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Repay Debt

Repay borrowed assets to improve your position health.
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Import Dependencies

Import the required packages for Solana RPC communication, Kamino SDK operations, and Kit transaction building.
import {
  createSolanaRpc,
  createSolanaRpcSubscriptions,
  address,
  pipe,
  createTransactionMessage,
  setTransactionMessageFeePayerSigner,
  setTransactionMessageLifetimeUsingBlockhash,
  appendTransactionMessageInstructions,
  signTransactionMessageWithSigners,
  sendAndConfirmTransactionFactory,
  getSignatureFromTransaction,
} from '@solana/kit';
import { KaminoMarket, KaminoAction, VanillaObligation, PROGRAM_ID } from '@kamino-finance/klend-sdk';
import { parseKeypairFile } from '@kamino-finance/klend-sdk/dist/utils/signer.js';
import BN from 'bn.js';
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Load Signer and Initialize Market

Load your keypair from a file and initialize RPC connections and the Kamino market.
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');
const market = await KaminoMarket.load(rpc, marketPubkey, 400);
Replace /path/to/your/keypair.json with the actual path to your keypair file. The KaminoMarket.load() method fetches the current market state including all reserve data.
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Fetch Obligation and Build Repay Instructions

Fetch the existing obligation and generate repay instructions for the specified token and amount.
const usdtMint = address('Es9vMFrzaCERmJfrF4H2FYD4KCoNkY11McCe8BenwNYB');
const repayAmount = new BN(1_000_000); // 1.00 USDT (6 decimals)

const currentSlot = await rpc.getSlot().send();

const obligation = await market!.getObligationByWallet(address(signer.address), new VanillaObligation(PROGRAM_ID));

if (!obligation) {
  throw new Error('No obligation found for this wallet. You must have an active borrow to repay.');
}

const repayAction = await KaminoAction.buildRepayTxns(
  market!,
  repayAmount,
  usdtMint,
  signer,
  new VanillaObligation(PROGRAM_ID),
  true,
  undefined,
  currentSlot,
  signer,
  1_000_000,
  true,
  false
);

const allInstructions = [
  ...(repayAction.setupIxs || []),
  ...(repayAction.lendingIxs || []),
  ...(repayAction.cleanupIxs || []),
];
The buildRepayTxns method creates instructions to repay your borrowed assets. Repaying reduces your debt and improves your loan-to-value ratio.
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Build and Sign Transaction

Use Kit’s functional pipe pattern to build and sign the transaction with a fresh blockhash.
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(allInstructions, tx)
);

const signedTransaction = await signTransactionMessageWithSigners(transactionMessage);
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Send and Confirm Transaction

Send the repay transaction and wait for confirmation.
const signature = getSignatureFromTransaction(signedTransaction);

await sendAndConfirmTransactionFactory({ rpc, rpcSubscriptions })(signedTransaction, {
  commitment: 'confirmed',
  skipPreflight: true,
});

console.log('Repay successful! Signature:', signature);
Once the repay transaction is confirmed, your debt is reduced and your loan-to-value ratio improves. You stop paying interest on the repaid amount.

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Withdraw Collateral

Withdraw collateral from your obligation.
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​
Import Dependencies

Import the required packages for Solana RPC communication, Kamino SDK operations, and Kit transaction building.
import {
  createSolanaRpc,
  createSolanaRpcSubscriptions,
  address,
  pipe,
  createTransactionMessage,
  setTransactionMessageFeePayerSigner,
  setTransactionMessageLifetimeUsingBlockhash,
  appendTransactionMessageInstructions,
  signTransactionMessageWithSigners,
  sendAndConfirmTransactionFactory,
  getSignatureFromTransaction,
} from '@solana/kit';
import { KaminoMarket, KaminoAction, VanillaObligation, PROGRAM_ID } from '@kamino-finance/klend-sdk';
import { parseKeypairFile } from '@kamino-finance/klend-sdk/dist/utils/signer.js';
import BN from 'bn.js';
2

​
Load Signer and Initialize Market

Load your keypair from a file and initialize RPC connections and the Kamino market.
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');
const market = await KaminoMarket.load(rpc, marketPubkey, 100);
Replace /path/to/your/keypair.json with the actual path to your keypair file. The KaminoMarket.load() method fetches the current market state including all reserve data.
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Build Withdraw Collateral Instructions

Generate withdraw instructions for the specified collateral token and amount.
const usdcMint = address('EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v');
const withdrawAmount = new BN(1_000_000); // 1 USDC (6 decimals)

const withdrawAction = await KaminoAction.buildWithdrawTxns(
  market!,
  withdrawAmount,
  usdcMint,
  signer,
  new VanillaObligation(PROGRAM_ID),
  true,
  undefined,
  1_000_000,
  true,
  false
);

const allInstructions = [
  ...(withdrawAction.setupIxs || []),
  ...(withdrawAction.lendingIxs || []),
  ...(withdrawAction.cleanupIxs || []),
];
The buildWithdrawTxns method creates instructions to withdraw your collateral. You can only withdraw collateral if your position remains healthy after the withdrawal.
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Build and Sign Transaction

Use Kit’s functional pipe pattern to build and sign the transaction with a fresh blockhash.
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(allInstructions, tx)
);

const signedTransaction = await signTransactionMessageWithSigners(transactionMessage);
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Send and Confirm Transaction

Send the withdraw transaction and wait for confirmation.
const signature = getSignatureFromTransaction(signedTransaction);

await sendAndConfirmTransactionFactory({ rpc, rpcSubscriptions })(signedTransaction, {
  commitment: 'confirmed',
  skipPreflight: true,
});

console.log('Withdrawal successful! Signature:', signature);
Once the withdraw transaction is confirmed, your collateral is returned to your wallet. Your borrowing capacity decreases and your loan-to-value ratio may increase.