Debt Repayment Reminder Tool

WHAT IT DOES

Debt Repayment Reminder Tool is a critical DeFi risk management tool that monitors your NFT-backed loans and alerts you before liquidation. When you view an NFT detail page on OpenSea, LooksRare, or Blur, the tool automatically detects the token contract and ID, then queries multiple NFT lending protocols (BendDAO, NFTfi, Blur Lending, ParaSpace) to check if the NFT is currently used as collateral for any active loans. The panel displays the current debt status, total outstanding balance, interest rate, next payment due date, and estimated time to liquidation. It also calculates the liquidation risk based on the current floor price and liquidation threshold. A "Repay Now" button constructs and sends a repayment transaction to the selected lending protocol, and a "View Repayment Plan" option shows different repayment schedules. The tool sends desktop reminders when a loan is approaching its due date or liquidation threshold, and tracks all repayment history for monitoring.

WHERE IT RUNS

This overlay operates on NFT marketplace detail pages including OpenSea (opensea.io/asset/*), LooksRare (looksrare.org/tokens/*), and Blur (blur.io/*). It works in any browser that supports the BotGentz extension framework and has an EVM-compatible wallet extension installed. The panel activates automatically when you navigate to an NFT detail page and detect the token contract and ID.

HOW TO USE

Install the extension and connect your wallet. Navigate to any NFT detail page on a supported marketplace. The tool automatically detects the NFT and queries all supported lending protocols for any outstanding debt. If debt is detected, the panel displays the total outstanding balance, interest rates, due dates, and liquidation risk. Review the debt status for each protocol. To repay a loan, click "Repay" on the protocol you want to pay—the tool will confirm the amount and send the repayment transaction through your wallet. Use the "View Repayment Plan" button to see different repayment schedules. Configure your settings: set the reminder threshold (default 3 days before due date), set the liquidation buffer percentage (default 10%), toggle notifications, and enable auto-repay for automatic repayment when due. Use the "Refresh" button to manually update data, "Save Settings" to apply changes, and "Copy Report" to export a summary. The tool tracks all repayment history for performance review.

MECHANISM: MULTI-PROTOCOL DEBT QUERY WITH LIQUIDATION RISK CALCULATION AND REPAYMENT EXECUTION

The extension implements a multi-protocol debt query system that checks each supported lending protocol's contracts via eth_call to determine if the NFT is used as collateral. For each protocol, the tool calls the appropriate contract functions: checking if the token is staked or deposited in BendDAO, checking active loan status in NFTfi, checking lending positions in Blur Lending, and checking collateral positions in ParaSpace. The tool extracts the outstanding loan balance, interest rate (APR), repayment due date, and liquidation price from each protocol. The liquidation risk is calculated by comparing the current floor price of the NFT collection (fetched from the page or via oracle) against the liquidation price, with the user's configurable buffer percentage applied. The tool also calculates the days until the next payment is due and triggers notifications when the remaining days fall below the reminder threshold. The repayment execution uses ethers.js loaded at runtime to construct and send the appropriate protocol-specific repayment transaction (e.g., repay() on BendDAO, repayLoan() on NFTfi, repay on Blur, repay on ParaSpace). Gas estimation is performed with a configurable multiplier. All repayment data is stored locally using GM_setValue for historical tracking, including the amount repaid, protocol, and timestamp.

THE PANEL

The overlay panel is fully draggable via its title bar and remembers its position per-site using GM_setValue. It snaps to the nearest edge when dragged within 40px of any screen boundary. The panel includes clear sections for debt repayment reminder (NFT contract address, token ID, floor price), debt detected (total outstanding balance with protocol-specific breakdowns including balance, interest rate, due date, and liquidation risk with color coding), repayment plan (full repayment amount, minimum payment, repayment schedule options), history (recent repayments with amounts, protocols, and timestamps), settings (reminder threshold input, liquidation buffer input, auto-repay toggle, notification toggle), and action buttons (Refresh, Save Settings, Copy Report, Clear History). The liquidation risk section uses color coding—green for safe, yellow for moderate, orange for high, red for critical—and includes a status message. Pressing Escape temporarily dismisses the panel until you navigate to a new NFT page or manually reactivate.

PLEASE NOTE

This extension requires the free BotGentz framework extension to be installed and active. You must also have a real EVM-compatible wallet extension (such as MetaMask, WalletConnect, Coinbase Wallet, or Rabby) already installed in your browser—the overlay uses your wallet's RPC provider for eth_call queries and to send repayment transactions. This tool sends real on-chain transactions when repaying loans—each repayment costs gas and executes a financial transfer. The tool cannot detect loans that are not visible on the current page or not linked to the NFT; depends on protocol-specific interfaces which may change; cannot guarantee that the displayed loan balance is accurate if the protocol uses off-chain updates; does not support non-EVM chains where protocols differ; cannot predict changes in interest rates or liquidation thresholds; cannot automatically repay without user approval (auto-repay requires explicit enablement); and does not support protocols that require additional approval steps beyond the standard flow. No private keys, wallet balances, browsing history, or debt data are ever collected, transmitted, or stored outside your local browser—all data is stored locally using GM_setValue. Loan repayment is a financial transaction—always verify the repayment amount and gas costs before confirming. Late repayments may result in liquidation and loss of your NFT. This tool is a reminder aid, not a guarantee against liquidation.