Borrow Limit Auto-Adjuster

WHAT IT DOES

Borrow Limit Auto-Adjuster is a DeFi position management tool that monitors your borrowing utilization and automatically suggests or executes adjustments to keep your debt within a target range. It reads your current debt, collateral value, borrowing limit, and utilization rate from the lending protocol, then computes whether you are over-utilized (risking liquidation) or under-utilized (leaving borrowing power unused). Based on your specified target utilization, it recommends repaying debt or borrowing more, and can execute the adjustment in a single transaction. This helps you maintain a healthy position, avoid liquidation, and optimize your capital efficiency without manual intervention.

HOW TO USE

Connect your EVM wallet via the BGWallet bridge. Enter your lending pool address, debt token, and collateral token. Set your target utilization rate — the ideal percentage of your borrowing limit you want to maintain (e.g., 70%). Click "Analyze Position" to see your current debt, collateral value, utilization, borrowing limit, and health factor. The tool will recommend an adjustment amount to bring your utilization to the target level. You can then enter a specific adjustment amount (positive to repay debt, negative to borrow more) and click "Execute Adjustment" to sign and broadcast the transaction. The tool shows progress updates and provides a transaction hash for tracking.

TECHNICAL MECHANISM

The tool computes your borrowing limit by multiplying your collateral value by the protocol's liquidation threshold (e.g., 75-83% depending on the asset). Utilization is then calculated as (current debt / borrowing limit) * 100. If utilization exceeds the target, the tool suggests repaying the excess amount; if utilization is below the target, it suggests borrowing the shortfall. The adjustment transaction is encoded using the lending pool's `repay` or `borrow` functions, with proper allowance checks for the debt token. The tool simulates the resulting health factor after the adjustment and warns if it would fall below a safe threshold. All operations are atomic — if the adjustment would put the position at risk, the transaction reverts before any changes are made.

WHAT IT CANNOT SEE

This tool cannot predict oracle price fluctuations or utilization rate changes that may affect your borrowing limits between the simulation and execution. It also cannot anticipate changes in the protocol's liquidation threshold, interest rates, or available liquidity that could impact your position. The health factor displayed is based on current on-chain data and may differ at the time of execution. Always monitor market conditions and consider the risk of price volatility — a position that appears safe during simulation may become risky if collateral prices drop or debt prices rise before the transaction confirms.

PLEASE NOTE

EVM chains only. This tool relies on the BGWallet connector and will not function on Solana, Tron, Starknet, SUI, TON, Aptos, Bitcoin, Cosmos, or XRP. The user is responsible for ensuring the supplied contract addresses are correct and that the lending protocol supports the specified operations. Always double-check the recommended adjustments and consider the gas cost before signing any transaction.