Your loan may be in the wrong market.
Lending markets that take the same collateral and lend the same asset can charge very different rates. StockRefi reads the positions a wallet already holds, quotes every market that could take them, and moves the debt in a single transaction.
No wallet needed to look. Nothing is approved and nothing moves until you sign.
Reading every market on this chain…
Live figures
What is actually out there
Read from the chain when this page was built, not typed into the copy. If a market cannot be read, it is reported as unread rather than quietly dropped.
How it works
From connected wallet to moved debt
Four steps. The first three are read-only.
- Step 1
Connect and sign in
A wallet address alone is not a login — anyone can type someone else's. You sign a one-time message over a nonce the server issued. It approves nothing and moves nothing.
- Step 2
Your positions are found
Every market in the registry is read against your address. No manual entry, no protocol picker, no pasting a market id from somewhere else.
- Step 3
Every alternative is quoted
For each borrowed position, each market that lends the same asset against the same collateral is priced: new rate, gas, liquidity, and what happens to your liquidation threshold.
- Step 4
You decide, then it moves
Offers are ranked by money kept after gas, not by the lowest headline rate. If you accept, collateral and debt move together in one transaction — or not at all.
Inside the transaction
Six steps, one transaction
A refinance is six moves that only make sense together. Splitting them across separate transactions would leave your collateral unbacked in the middle, so they are not split.
- 1
Flash-borrow exactly your outstanding debt from Morpho. No fee, and the lender is the same contract the position already lives in.
- 2
Repay the debt in your current market, in full.
- 3
Withdraw the collateral that was securing it.
- 4
Supply that collateral to the destination market.
- 5
Borrow the new debt there, against the same collateral.
- 6
Repay the flash loan. Anything left over is swept back to your wallet in the same transaction.
All of it, or none of it
If any step fails — the price moved, the destination ran dry, the result was worse than you were quoted — the transaction reverts and you keep the position you started with. There is no partial state where your debt is repaid but your collateral has not arrived.
Checked on chain, not in the browser
The maximum debt to open and the minimum collateral to receive are passed into the contract and enforced there. A quote that looked good when the page rendered cannot turn into a worse position by the time it is mined.
What the number does not tell you
A lower rate is not automatically a better loan
A refinancing tool that only shows the rate going down is selling something. These are the things that can make a cheaper market the wrong move.
A lower rate can mean earlier liquidation
Markets differ in liquidation LTV. Moving to a cheaper market with a tighter threshold can leave the same debt closer to being liquidated. Every offer shows the health factor before and after, and the change is never hidden behind the saving.
Cheap and empty is not an offer
A market with a low rate and no liquidity cannot take your debt. If it cannot cover the full amount, it is shown as unavailable rather than as an opportunity you cannot actually take.
Gas can outweigh the saving
Offers are ranked by what is left after gas, and each one states its break-even point. A rate improvement that takes eleven months of holding to pay for itself is presented as exactly that.
Rates move after you arrive
Borrow rates on Morpho follow utilisation. Today's cheapest market is not guaranteed to stay cheapest, and a refinance is not a fixed-rate product. Nothing here promises the saving persists.
Refinancing moves debt. It does not reduce it. You owe the same amount afterwards, at a different price, under a different market's rules.
Custody and permissions
What the contract can and cannot do
StockRefi never holds your funds. The parts of the design that exist specifically to keep it that way:
- The router only touches markets an owner has explicitly allowlisted. There is no field anywhere that accepts an arbitrary protocol or market address.
- There is no general-purpose call path. The contract cannot be asked to execute arbitrary calldata on your behalf.
- Token approvals are for the exact amount a step needs, not unlimited.
- Minimum collateral received and maximum debt opened are enforced on chain, from values you saw in the quote.
- Leftover tokens are swept back to your wallet in the same transaction. The contract is not designed to hold a balance.
- The flash loan comes from Morpho itself — the same audited contract the position already sits in — and carries no fee.
What the owner key can do
Add or remove markets from the allowlist, and hand ownership to someone else. That is the complete list.
There is no sweep function, no rescue function, and no upgrade path. The owner cannot move a user's collateral or debt.
Where this is up to
What works today
Stated plainly, because a tool that overstates what it can do is not one you should connect a wallet to.
Reading positions and markets
Live against Robinhood Chain (chain 4663). Every rate, position, and health factor shown anywhere in the app is read from the chain.
Quoting refinances
Real quotes against real markets, including gas, break-even, liquidity checks, and the effect on your liquidation threshold.
Signing and executing
The router is deployed and execution is enabled.
Protocols beyond Morpho
Only Morpho Blue markets on Robinhood Chain are supported. Other protocols are not integrated, and are shown as unavailable rather than guessed at.
This deployment points at Robinhood Chain mainnet. Every position and rate shown is real money.
Questions
Before you connect anything
Does StockRefi ever hold my funds?
No. Collateral and debt move between Morpho markets inside a single transaction, and anything left over is returned to your wallet before it ends. The contract is not designed to carry a balance between transactions.
What does it cost?
Gas. StockRefi charges no fee, and Morpho's flash loan has none either. Each offer shows the gas estimate and the point at which the rate saving covers it.
Does refinancing reduce what I owe?
No. You owe the same amount afterwards. What changes is the rate you pay on it, and the market rules it sits under — including the liquidation threshold.
Can I be liquidated while the refinance is running?
The whole move happens in one transaction, so there is no window where your debt is repaid but your collateral has not been re-supplied. If any part fails, nothing changes.
Why do I have to sign a message to log in?
Because a wallet address by itself proves nothing — anyone can type yours. Signing a server-issued nonce proves you control the key. The signature approves no transaction and moves no funds.
Which chains and protocols are supported?
Robinhood Chain only, and Morpho Blue markets only. Anything else is shown as unavailable rather than estimated.
What happens if the chain does not respond?
The affected markets are reported as unread and excluded from the figures. Nothing is filled in with a default, because a made-up rate is worse than a missing one.
See what your debt would cost elsewhere
Start with the markets — no wallet required. Connect one when you want your own positions read and quoted against every alternative.