Close an account that holds DeFi

An account holding DeFi positions cannot merge while those positions are open. The app finds them, unwinds each one in its own transaction, converts the proceeds to XLM, and then runs the classic close.

You do not need to unwind anything by hand first. Connect the account and the plan comes back with the exit steps already in it.

What gets unwound

Each step appears in the Review plan with a plain label, so you see exactly what runs before you sign. The order is worked out for you: a repay runs before the withdraw that depends on it, a rewards claim runs after its withdraw, and the account merge waits for every position to close.

Two cases that need you to act

Everything else is automatic. These two are not, and the plan tells you about both before you sign.

A Blend loan you cannot currently repay

Repaying on Blend needs the borrowed token in the account. Blend has no built-in swap, and the app does not acquire the token for you.

If the account is short, the plan says so:

This account has a Blend loan that must be repaid before it can close, and repaying needs the borrowed token on hand (Blend has no built-in swap). This account doesn't hold enough of it, so the repay step would stop the close partway through. Top up that token in this account, or unwind the Blend position yourself, before closing.

Send enough of the borrowed token to the account, or close the Blend position in Blend, then come back.

A Blend backstop deposit

A backstop deposit is separate from an ordinary Blend position, and withdrawing one runs through a 17-day queue.

The close starts that clock for you with a Start a Blend backstop withdrawal step and then stops at the merge. The account has to stay open to receive the withdrawal, so it cannot be deleted yet. The plan shows the unlock date.

Come back on or after that date, withdraw the backstop, then close the account. This is what keeps the funds from being stranded on a deleted account.

Leftover balances

Unwinding a position leaves tokens in the account. The close converts them to XLM inside the final transaction.

When a token has no conversion path, it is never moved silently. You choose per asset: send it to your destination (offered only when the destination already accepts that token), or return it to its issuer. Until you choose, that balance blocks the merge. See Clear a blocked closure.

Custom tokens held on their own

A SEP-41 token someone sent you lives inside its own contract rather than as a normal balance, so it does not block the close and would stay behind on the deleted account.

The Warnings step lists these under Standalone tokens. Nothing is swept unless you tick it. You can also send the selected ones through Soroswap to come out as XLM instead of moving them as-is.

Two limits are worth knowing. The scan looks back about seven days, so a token sent before that does not appear, and you can add it by contract address. And an exchange destination cannot receive raw tokens at all, so move any you want to keep to a personal wallet first.

If a protocol scan does not finish

The plan says so rather than pretending the account is fully understood:

We couldn't finish checking for DeFi positions, so anything you have in apps like Blend, Aquarius, Soroswap or FxDAO might be missing from this plan. If you've used those, check them before closing.

Check the protocol's own app before you continue.

Protocols that are not supported

The close unwinds Blend, Aquarius, Soroswap, and FxDAO. If the account holds a balance from a contract the app does not recognize, it says so and moves that balance as-is, which does not reclaim whatever it represents.

If it is a position in another DeFi app, a pool share, a loan receipt, or a staked balance, unwind it in that app first.

How it works underneath

• Position discovery
• The plan graph