A liquidator takes 5–6% of your collateral. Close it yourself and keep it.

The obvious move is to repay the debt and withdraw the collateral. The obvious problem is that the money to repay it is the collateral — locked behind the debt you are trying to clear. Chicken, meet egg.

So the usual options are to find the cash from somewhere else at short notice, or to sell something in a hurry, or to watch a bot do it for you and take the bonus.

A flash loan removes the deadlock. It lends you the repayment for the length of one transaction, on the condition that the transaction repays it — which yours does, out of the collateral it just freed. No outside capital, no deadline, no bot.

• Flash-borrow exactly what you owe. Flash premium: zero.
• Repay your debt in full — the live figure, read on-chain in the same transaction, so accrued interest cannot leave a remainder behind.
• Withdraw your collateral, now unencumbered.
• Sell only enough of it to repay the flash loan.
• Keep the rest. It arrives in your account in the same transaction.

Every step is one transaction. If any part fails, all of it reverts and your position is untouched — you are never left half-closed.

Run on Ethereum mainnet on 4 August 2026, against a real position with real Uniswap liquidity:

The last two lines are the ones that matter. The debt token reading exactly zero proves the repayment cleared an accruing balance rather than leaving a remainder that would have blocked the withdrawal. The contract holding nothing proves the loan was borrowed, used and repaid inside the one call.

There is a Safe App for this. It reads your position, shows what a liquidator would take, and proposes the whole close as a single batched transaction — one signature round instead of two.

Add it under Apps → My custom apps using https://atomic-close.pages.dev. Nothing executes until your signers approve it, so you see exactly what it built before anything moves.

• Your health factor is falling and you would rather exit on your terms than on a liquidator's.
• You want out of a position and do not have the cash to unwind it manually.
• You are already below the threshold — the bonus is claimable by anyone, so it is a race, and you have the shorter path.

It does not rescue an insolvent position. If the collateral is worth less than the debt, no arrangement of transactions fixes that. This wins you the penalty, not the market move.

• The contract is ownerless. No admin, no pause, no upgrade, no rescue function. Nothing about it can be changed by us or anyone else.
• It holds nothing between transactions and cannot hold your collateral. Everything moves inside the one call.
• It acts only on your own position. There is no onBehalfOf parameter anywhere in it — it can never be pointed at somebody else's account, including by us.
• You send the transaction. We never do, and we cannot.