Create a repayment

curl --request POST \
  --url https://api-sandbox.circle.com/v1/borrow/loans/{id}/repayments \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "idempotencyKey": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
  "amount": "<string>"
}
'

import requests

url = "https://api-sandbox.circle.com/v1/borrow/loans/{id}/repayments"

payload = {
    "idempotencyKey": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
    "amount": "<string>"
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({idempotencyKey: '3c90c3cc-0d44-4b50-8888-8dd25736052a', amount: '<string>'})
};

fetch('https://api-sandbox.circle.com/v1/borrow/loans/{id}/repayments', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api-sandbox.circle.com/v1/borrow/loans/{id}/repayments",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'idempotencyKey' => '3c90c3cc-0d44-4b50-8888-8dd25736052a',
    'amount' => '<string>'
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api-sandbox.circle.com/v1/borrow/loans/{id}/repayments"

	payload := strings.NewReader("{\n  \"idempotencyKey\": \"3c90c3cc-0d44-4b50-8888-8dd25736052a\",\n  \"amount\": \"<string>\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api-sandbox.circle.com/v1/borrow/loans/{id}/repayments")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"idempotencyKey\": \"3c90c3cc-0d44-4b50-8888-8dd25736052a\",\n  \"amount\": \"<string>\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api-sandbox.circle.com/v1/borrow/loans/{id}/repayments")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"idempotencyKey\": \"3c90c3cc-0d44-4b50-8888-8dd25736052a\",\n  \"amount\": \"<string>\"\n}"

response = http.request(request)
puts response.read_body

{
  "data": {
    "id": "e5f6a7b8-9012-3456-efab-345678901234",
    "jobType": "repay",
    "status": "received",
    "amount": "250.00",
    "asset": "USD",
    "toAddress": "0x33333aea097c193e66081E930c33020272b33333",
    "loanId": "fc988ed5-c129-4f70-a064-e5beb7eb8e32",
    "oraclePrice": "67234.51",
    "createDate": "2026-06-25T10:00:00.000Z",
    "updateDate": "2026-06-25T10:00:00.000Z"
  }
}

{
  "code": 400,
  "message": "Bad request."
}

{
  "code": 401,
  "message": "Malformed authorization."
}

{
  "code": 3,
  "message": "Forbidden"
}

{
  "code": 404,
  "message": "Not found."
}

{
  "code": 409,
  "message": "Conflicts with another request."
}

POST

borrow

loans

{id}

repayments

Create a repayment

curl --request POST \
  --url https://api-sandbox.circle.com/v1/borrow/loans/{id}/repayments \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "idempotencyKey": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
  "amount": "<string>"
}
'

import requests

url = "https://api-sandbox.circle.com/v1/borrow/loans/{id}/repayments"

payload = {
    "idempotencyKey": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
    "amount": "<string>"
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({idempotencyKey: '3c90c3cc-0d44-4b50-8888-8dd25736052a', amount: '<string>'})
};

fetch('https://api-sandbox.circle.com/v1/borrow/loans/{id}/repayments', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api-sandbox.circle.com/v1/borrow/loans/{id}/repayments",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'idempotencyKey' => '3c90c3cc-0d44-4b50-8888-8dd25736052a',
    'amount' => '<string>'
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api-sandbox.circle.com/v1/borrow/loans/{id}/repayments"

	payload := strings.NewReader("{\n  \"idempotencyKey\": \"3c90c3cc-0d44-4b50-8888-8dd25736052a\",\n  \"amount\": \"<string>\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api-sandbox.circle.com/v1/borrow/loans/{id}/repayments")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"idempotencyKey\": \"3c90c3cc-0d44-4b50-8888-8dd25736052a\",\n  \"amount\": \"<string>\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api-sandbox.circle.com/v1/borrow/loans/{id}/repayments")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"idempotencyKey\": \"3c90c3cc-0d44-4b50-8888-8dd25736052a\",\n  \"amount\": \"<string>\"\n}"

response = http.request(request)
puts response.read_body

{
  "data": {
    "id": "e5f6a7b8-9012-3456-efab-345678901234",
    "jobType": "repay",
    "status": "received",
    "amount": "250.00",
    "asset": "USD",
    "toAddress": "0x33333aea097c193e66081E930c33020272b33333",
    "loanId": "fc988ed5-c129-4f70-a064-e5beb7eb8e32",
    "oraclePrice": "67234.51",
    "createDate": "2026-06-25T10:00:00.000Z",
    "updateDate": "2026-06-25T10:00:00.000Z"
  }
}

{
  "code": 400,
  "message": "Bad request."
}

{
  "code": 401,
  "message": "Malformed authorization."
}

{
  "code": 3,
  "message": "Forbidden"
}

{
  "code": 404,
  "message": "Not found."
}

{
  "code": 409,
  "message": "Conflicts with another request."
}

Authorizations

Authorization

string

header

required

Bearer authentication header of the form Bearer <token>, where <token> is your auth token.

Path Parameters

string<uuid>

required

Universally unique identifier (UUID v4) of a resource.

Example:

"b3d9d2d5-4c12-4946-a09d-953e82fae2b0"

Body

application/json

Request to repay part or all of an outstanding borrow.

idempotencyKey

string<uuid>

required

Idempotency key (UUID v4) for this request. Reusing it with a different body returns 409 Conflict.

mode

enum<string>

required

Repayment mode. FULL repays the entire outstanding debt (measured when the UserOperation is built). PARTIAL repays exactly amount.

Available options:

FULL,

PARTIAL

amount

string

Amount to repay, in raw onchain uint256 base units (decimal-integer string). Required when mode is PARTIAL. Ignored when mode is FULL. Must be positive.

Response

Repayment accepted. Poll the returned job to track its status.

data

object

An async onchain operation. Each job represents one of: borrow, repay, add collateral, wallet setup, owner change, or residual withdraw. Poll this resource until the job reaches a terminal status (completed, failed, or approval_rejected). Fields that do not apply to the current status or job type are omitted rather than returned as null.

Show child attributes

Example:

{
  "id": "b3d9d2d5-4c12-4946-a09d-953e82fae2b0",
  "jobType": "borrow",
  "status": "completed",
  "amount": "1000.00",
  "asset": "USD",
  "collateralAmount": "0.05",
  "collateralAsset": "CIRBTC",
  "toAddress": "0x5a0b4a11d3f9b2c1e8a7d6c5b4a39281f0e1d2c3",
  "loanId": "fc988ed5-c129-4f70-a064-e5beb7eb8e32",
  "transferId": "a1b2c3d4-e5f6-7890-abcd-ef1234567890",
  "oraclePrice": "67234.51",
  "userOpHash": "0x9f8e7d6c5b4a39281f0e1d2c3b4a5968778695a4b3c2d1e0f9a8b7c6d5e4f3a2",
  "txHash": "0x1a2b3c4d5e6f70819293a4b5c6d7e8f90a1b2c3d4e5f60718293a4b5c6d7e8f9",
  "createDate": "2026-06-20T14:20:00.000Z",
  "updateDate": "2026-06-20T14:22:00.000Z"
}

Core API

API overview

Core API for institutions

Cross-currency API

Reserve management API

Credit API

Digital Asset-Backed Borrowing

Partner Onboarding API

Crypto deposits API

Crypto payouts API

Create a repayment

Authorizations

Path Parameters

Body

Response