┌─────────────────────────────────────────────────────────────────┐
│                     REPAYMENT BREAKDOWN                         │
├─────────────────────────────────────────────────────────────────┤
│  Principal ($50)  →  Returns to Trust Vault                     │
│  Interest ($1.50) →  Distributed to Stakers (tmUSDC holders)   │
│  Your Score       →  +2 points for on-time repayment           │
└─────────────────────────────────────────────────────────────────┘

// Full repayment
await usmewe.loans.repay("loan_xyz789");

// Response
{
  "success": true,
  "loanId": "loan_xyz789",
  "amountPaid": 51.50,
  "principal": 50,
  "interest": 1.50,
  "trustScoreChange": +2,
  "txHash": "0x..."
}

await usmewe.loans.enableAutoRepay({
  loanId: "loan_xyz789",
  daysBeforeDue: 1 // Repay 1 day before due date
});

await usmewe.loans.repayPartial({
  loanId: "loan_xyz789",
  amount: 25 // Pay $25 of $51.50 total
});

// Remaining balance: $26.50

// Early repayment with interest savings
const savings = await usmewe.loans.calculateEarlyPayoff("loan_xyz789");

// Response
{
  "originalTotal": 51.50,
  "earlyPayoffAmount": 50.75,
  "interestSaved": 0.75,
  "daysEarly": 7
}

┌─────────────────────────────────────────────────────────────────┐
│                      DEFAULT PROCESS                            │
├─────────────────────────────────────────────────────────────────┤
│  1. Loan marked as defaulted                                    │
│  2. Insurance Pool covers 80% of principal                      │
│  3. Stakers absorb 20% loss                                     │
│  4. Borrower Trust Score: -30%                                  │
│  5. Borrower banned from new loans for 90 days                  │
└─────────────────────────────────────────────────────────────────┘

# Get loan repayment details
curl -X GET "https://api.usmewe.com/v1/loans/{loanId}/repayment" \
  -H "Authorization: Bearer YOUR_TOKEN"

# Response
{
  "loanId": "loan_xyz789",
  "principal": 50,
  "interest": 1.50,
  "totalDue": 51.50,
  "amountPaid": 0,
  "remainingBalance": 51.50,
  "dueDate": "2024-01-29T12:00:00Z",
  "status": "active",
  "daysRemaining": 14
}