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Borrow assets from a Jupiter Lend vault against your deposited collateral. The SDK builds operate instructions with zero collateral change and a positive debt amount. Transactions use versioned (v0) format with address lookup tables.

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Borrow

1

Import Dependencies

Import the required packages for Solana RPC, Jupiter Lend borrow SDK, and versioned transaction building.
import {
  Connection,
  Keypair,
  TransactionMessage,
  VersionedTransaction,
} from "@solana/web3.js";
import BN from "bn.js";
import { getOperateIx } from "@jup-ag/lend/borrow";
import fs from "fs";
import path from "path";
Borrow uses getOperateIx with zero colAmount and positive debtAmount. The borrowed asset is sent to your wallet.
2

Load Keypair and Initialise Connection

Load the signer and create the RPC connection. Set vault ID, position ID, and borrow amount.
const KEYPAIR_PATH = "/path/to/your/keypair.json";
const RPC_URL = "https://api.mainnet-beta.solana.com";
const VAULT_ID = 1;
const POSITION_ID = 0; // nftId from Create Position
const BORROW_AMOUNT = new BN(100_000); // Borrow token base units (e.g. 0.1 USDT)

function loadKeypair(keypairPath: string): Keypair {
  const fullPath = path.resolve(keypairPath);
  const secret = JSON.parse(fs.readFileSync(fullPath, "utf8"));
  return Keypair.fromSecretKey(new Uint8Array(secret));
}

const userKeypair = loadKeypair(KEYPAIR_PATH);
const connection = new Connection(RPC_URL, { commitment: "confirmed" });
const signer = userKeypair.publicKey;
You must have an existing position with deposited collateral. Your borrow capacity depends on collateral value and the vault’s LTV limits.
3

Build Borrow Instructions

Build operate instructions with no collateral change and positive debt amount.
const { ixs, addressLookupTableAccounts } = await getOperateIx({
  vaultId: VAULT_ID,
  positionId: POSITION_ID,
  colAmount: new BN(0),
  debtAmount: BORROW_AMOUNT,
  connection,
  signer,
});

if (!ixs?.length) {
  throw new Error("No borrow instructions returned by Jupiter Lend SDK.");
}
Borrow is operate with colAmount = 0 and debtAmount > 0. The borrow token is sent to your wallet; you accrue interest until you Repay.
4

Build and Sign Transaction

Build a v0 message with the instructions and address lookup tables, then sign.
const latestBlockhash = await connection.getLatestBlockhash();
const message = new TransactionMessage({
  payerKey: signer,
  recentBlockhash: latestBlockhash.blockhash,
  instructions: ixs,
}).compileToV0Message(addressLookupTableAccounts ?? []);

const transaction = new VersionedTransaction(message);
transaction.sign([userKeypair]);
5

Send and Confirm Transaction

Send the transaction and confirm.
const signature = await connection.sendTransaction(transaction, {
  skipPreflight: false,
  maxRetries: 3,
  preflightCommitment: "confirmed",
});
await connection.confirmTransaction(signature, "confirmed");

console.log("Borrow successful! Signature:", signature);
Borrowing increases your debt and LTV. Repay with the Repay flow to reduce debt and improve position health.

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Operate parameters

getOperateIx accepts the following parameters:
ParameterTypeDescription
vaultIdnumberTarget vault (market) ID.
positionIdnumberPosition NFT ID (from Create Position or a previous deposit).
colAmountBNSigned collateral amount in base units. Positive = deposit. Negative = withdraw. Use new BN(0) for borrow-only.
debtAmountBNSigned debt amount in base units. Positive = borrow (add debt). Negative = repay (reduce debt). Use new BN(0) for deposit/withdraw-only.
connectionConnectionSolana RPC connection.
signerPublicKeyWallet that signs the transaction (position owner).
For borrow: colAmount = 0, debtAmount > 0.
Your maximum borrow depends on your collateral value, the vault’s loan-to-value (LTV) limits, and current borrows. Keep LTV below the liquidation threshold. The SDK does not provide a “max borrow” sentinel. Compute the maximum from your position (e.g. getCurrentPosition or getFinalPosition) and the vault’s LTV, or use your app/API for the limit.
Borrowed amounts accrue interest over time. Repay to reduce debt and stop interest on the repaid portion.

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Full code example

import {
    Connection,
    Keypair,
    TransactionMessage,
    VersionedTransaction,
} from "@solana/web3.js";
import BN from "bn.js";
import { getOperateIx } from "@jup-ag/lend/borrow";
import fs from "fs";
import path from "path";

const KEYPAIR_PATH = "/path/to/your/keypair.json"; // Path to your local keypair file (update this path)
const RPC_URL = "https://api.mainnet-beta.solana.com"; // RPC endpoint
const VAULT_ID = 1; // Target vault (market)
const POSITION_ID = 0; // nftId from Create Position script
const BORROW_AMOUNT = new BN(100_000); // Amount to borrow, in smallest units (borrow token base units)

function loadKeypair(keypairPath: string): Keypair {
    const fullPath = path.resolve(keypairPath);
    const secret = JSON.parse(fs.readFileSync(fullPath, "utf8"));
    return Keypair.fromSecretKey(new Uint8Array(secret));
}

// 1. Load user keypair and establish connection
const userKeypair = loadKeypair(KEYPAIR_PATH);
const connection = new Connection(RPC_URL, { commitment: "confirmed" });
const signer = userKeypair.publicKey;

// 2. Get borrow instructions from SDK (operate with zero colAmount, positive debtAmount)
const { ixs, addressLookupTableAccounts } = await getOperateIx({
    vaultId: VAULT_ID,
    positionId: POSITION_ID,
    colAmount: new BN(0),
    debtAmount: BORROW_AMOUNT,
    connection,
    signer,
});

if (!ixs?.length) {
    throw new Error("No borrow instructions returned by Jupiter Lend SDK.");
}

// 3. Build the transaction with latest blockhash and add borrow instructions
// Versioned (v0) transaction with address lookup tables; ready to be signed and sent
const latestBlockhash = await connection.getLatestBlockhash();
const message = new TransactionMessage({
    payerKey: signer,
    recentBlockhash: latestBlockhash.blockhash,
    instructions: ixs,
}).compileToV0Message(addressLookupTableAccounts ?? []);

const transaction = new VersionedTransaction(message);
transaction.sign([userKeypair]);

// 4. Send and confirm the transaction
const signature = await connection.sendTransaction(transaction, {
    skipPreflight: false,
    maxRetries: 3,
    preflightCommitment: "confirmed",
});
await connection.confirmTransaction(
    { signature, ...latestBlockhash },
    "confirmed"
);

console.log("Borrow successful! Signature:", signature);