Loan Repayment Scheduler

WHAT IT DOES

Loan Repayment Scheduler is a DeFi automation tool that helps you plan and execute loan repayments according to your preferred schedule. Instead of manually monitoring your debt and making ad-hoc repayments, you can set up a repayment plan that runs automatically — whether it's a one-time payment, a recurring daily/weekly/monthly schedule, or a trigger-based repayment that activates when your health factor falls below a certain threshold. The tool reads your current debt, collateral value, and health factor, then calculates the repayment amount and timing. When the scheduled time arrives or the trigger condition is met, the tool constructs and signs the repayment transaction, helping you stay ahead of liquidation risks and manage your debt systematically.

HOW TO USE

Connect your EVM wallet via the BGWallet bridge. Enter your lending pool address, debt token, and collateral token. Specify the repayment amount you want to schedule. Choose your schedule type: one-time (with a specific start date), recurring (daily, weekly, or monthly), or trigger-based (executes when health factor drops below a set level). If you select recurring, choose the frequency. If you select trigger-based, set the health factor threshold that will activate the repayment. Click "Preview Schedule" to see your current position and the schedule details — including when the next repayment will occur and how many total payments are planned. Click "Schedule Repayment" to sign and broadcast the scheduling transaction. The tool provides a transaction hash for tracking and shows progress updates for each step.

TECHNICAL MECHANISM

The tool computes your health factor using the formula: (collateral_value * liquidation_threshold) / debt_value. For recurring schedules, it calculates the next execution time based on the current block timestamp and the chosen frequency. For trigger-based schedules, it sets up an on-chain or off-chain watcher that monitors your health factor and triggers the repayment when the threshold is breached. The actual repayment transaction uses the lending pool's `repay` function, with a prior allowance check on the debt token. The tool encodes the schedule parameters and stores them in a lightweight schedule manager contract pattern (or simulates the scheduling logic for demonstration purposes). All scheduling data is stored on-chain to ensure reliability and transparency.

WHAT IT CANNOT SEE

This tool cannot guarantee that sufficient funds will be available in your wallet at the scheduled repayment time, or that the repayment will be profitable if interest rates change before execution. It also cannot predict oracle price fluctuations, protocol changes, or network congestion that could delay or affect the scheduled transaction. The health factor displayed is based on current on-chain data and may be outdated by the time the trigger condition is evaluated. Always maintain adequate funds in your wallet and monitor market conditions — automated repayments are a tool to assist you, not a replacement for active position management.

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 schedule details and ensure you have sufficient token balances before scheduling recurring payments.