> ## Documentation Index > Fetch the complete documentation index at: https://docs.writz.xyz/llms.txt > Use this file to discover all available pages before exploring further. # Repay and release your BTC > Pay back a Writz loan in USDC, then release your locked BTC back to Xverse. Getting your BTC back takes two actions: **repay** what you owe in USDC on Stellar, then **release** the BTC on Bitcoin. Writz co-signs the release only after the loan is fully repaid, and the BTC can only go to the address of the Bitcoin key that made the deposit. **You need:** the Stellar wallet that opened the loan, the same Xverse account, and enough test USDC to cover the debt. ## Open your loan Go to [testnet.writz.xyz](https://testnet.writz.xyz) and connect your wallets. The home page shows your loan with **Borrow more**, **Repay** and **Open Loan 1** (the number is your loan's). Select **Open Loan** to see the full loan page. Loans are found on Stellar, so this works from any device with the same Stellar wallet. ![Home page with Loan 1, its collateral ratio, collateral and debt, and the Borrow more, Repay and Open Loan 1 buttons](https://mintcdn.com/writz-protocol/AtDBkTL5W_JkQblu/images/guides/home-loan.png?fit=max\&auto=format\&n=AtDBkTL5W_JkQblu\&q=85\&s=4c0cde0a00de45e4aaa3577c0f04a021) The home page with an open loan. Example amounts. ## 1. Repay **1. Open the Repay tab** On the loan page, select **Repay**. It shows your USDC balance and what you owe, for example **Wallet: 1,620.00 USDC. You owe 1,500.00 USDC.** **2. Enter the amount** Enter an amount, or select **Repay all** to pay the whole debt. A partial repayment lowers the debt and raises your collateral ratio; only a full repayment lets you release the BTC. **3. Confirm** Select **Repay** and confirm in your Stellar wallet. ![Loan page on the Repay tab, with the amount field, Repay all and the wallet and debt line](https://mintcdn.com/writz-protocol/AtDBkTL5W_JkQblu/images/guides/loan-repay.png?fit=max\&auto=format\&n=AtDBkTL5W_JkQblu\&q=85\&s=ba7f5e4bedb9f540cdbb25b59f34289b) The Repay tab. Example amounts. > [!TIP] > > Interest accrues while the loan is open, so you owe slightly more than you borrowed. If your wallet holds exactly what you borrowed, get a few more test USDC from [Circle's faucet](https://docs.writz.xyz/guides/get-test-funds.md#test-usdc-on-stellar-testnet) before you select **Repay all**. ## 2. Wait for Writz to co-sign After a full repayment the loan shows **Loan repaid** and **BTC still locked**. Writz now co-signs the release of your BTC, which is usually ready within a minute. Until then the page reads **Waiting for Writz**. Your BTC is safe while you wait: it stays in the lock address, and nobody can move it without your key. ![Loan page showing Loan repaid, BTC still locked and Waiting for Writz](https://mintcdn.com/writz-protocol/AtDBkTL5W_JkQblu/images/guides/loan-waiting-cosign.png?fit=max\&auto=format\&n=AtDBkTL5W_JkQblu\&q=85\&s=0cdc8c96c28ff6d37ebd853771f7d1c4) Repaid, waiting for Writz's co-signature. ## 3. Release your BTC **1. Open the Release BTC tab** Select **Release BTC**. The page shows where the BTC goes and what you receive: * **Send to your Bitcoin key's address**: the address of the Xverse key that made the deposit. * **Amount**, **Bitcoin network fee** (a few hundred sats) and **You receive**, the amount less the fee. **2. Slide to release** Drag **Slide to release** all the way to the right. The app checks the loan on Stellar, confirms it is repaid and gets Writz's signature. **3. Confirm in Xverse** Xverse opens and asks you to sign. Confirm it. The app sends the transaction to Bitcoin. ![Release BTC tab with the destination address, amount, network fee, amount received and Slide to release](https://mintcdn.com/writz-protocol/AtDBkTL5W_JkQblu/images/guides/loan-release.png?fit=max\&auto=format\&n=AtDBkTL5W_JkQblu\&q=85\&s=23aa3ce43989c3a58be58df312d18a36) Release review. The BTC can only go to your own key's address. Example address and amounts. When it is sent, the loan shows **BTC released** with a **View on mempool** link. The BTC appears in Xverse once the transaction confirms on Bitcoin signet. ![Loan page showing BTC released, the amount and destination, and a View on mempool link](https://mintcdn.com/writz-protocol/AtDBkTL5W_JkQblu/images/guides/loan-released.png?fit=max\&auto=format\&n=AtDBkTL5W_JkQblu\&q=85\&s=182ffd539ef72f652feb0fdba249d4d3) Released. Example amount and address. ## If something blocks the release * **Xverse not connected, or a different Xverse account**: the release needs the same Bitcoin key that made the deposit. Connect it in the Wallets panel and try again. * **Waiting for Writz takes longer than a few minutes**: refresh the page later. Your loan is repaid on Stellar and the release does not expire. * **Writz is not available at all**: you don't need Writz to get your BTC back in the end. After the block height shown under **Your way out**, your key alone can spend from the lock address. See [How to reclaim](https://testnet.writz.xyz/help/reclaim) in the app and [Manual Emergency Recovery](https://docs.writz.xyz/how-it-works/manual-emergency-recovery). *Last checked against the app on 2026-10-25.* This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.