# Withdrawing Collateral

> Markdown export of the Gearbox Protocol documentation page for agents and retrieval systems.

Canonical page: https://docs.gearbox.finance/developers/gm-mc-withdraw
Source file: content/developers/gm-mc-withdraw.mdx
Section router: https://docs.gearbox.finance/developers/llms.txt
Section full export: https://docs.gearbox.finance/developers/llms-full.txt

Remove tokens from your credit account. Withdrawals decrease your health factor since you are removing value from the account.

## Why

You withdraw collateral when:

* **Taking profit** - Extract gains while keeping the position open
* **Rebalancing** - Move assets between Credit Account and wallet
* **Closing positions** - Extract remaining value after repaying debt
* **Emergency exit** - Quickly reduce exposure

## What

`withdrawCollateral` transfers tokens from Credit Account to a specified address:

1. Token is transferred from Credit Account to `to` address
2. If balance goes to zero, token is auto-disabled
3. **Safe pricing** is triggered for the final collateral check

**Safe pricing** is critical to understand: when any withdrawal occurs in a multicall, the final health check uses `min(mainPrice, reservePrice)` for ALL collateral. This can cause withdrawals to fail even when the account looks healthy based on main prices alone.

## How

```typescript
import { GearboxSDK, createCreditAccountService } from '@gearbox-protocol/sdk';

const sdk = await GearboxSDK.attach({ client, marketConfigurators: [] });
const service = createCreditAccountService(sdk, 310);
const market = sdk.marketRegister.findByCreditManager(cmAddress);

// Withdraw 5,000 USDC to your wallet
const calls = [
  service.prepareWithdrawCollateral(
    usdcAddress,
    5_000n * 10n ** 6n,
    myWalletAddress,
  ),
];

await market.creditFacade.write.multicall([creditAccountAddress, calls]);
```

### Withdraw Entire Balance

Pass max uint256 to withdraw all of a token:

```typescript
const MAX_UINT256 = 2n ** 256n - 1n;

const calls = [
  service.prepareWithdrawCollateral(usdcAddress, MAX_UINT256, myWalletAddress),
];
```

### Withdraw to Different Address

The `to` parameter can be any address:

```typescript
const calls = [
  service.prepareWithdrawCollateral(
    usdcAddress,
    amount,
    recipientAddress, // Can be different from caller
  ),
];
```

### Common Pattern: Repay + Withdraw

After repaying debt, withdraw remaining funds:

```typescript
const MAX_UINT256 = 2n ** 256n - 1n;
const INT96_MIN = BigInt.asIntN(96, -1n * 2n ** 95n);

const calls = [
  // Zero quotas
  service.prepareUpdateQuota(wethAddress, INT96_MIN, 0n),
  // Repay all debt
  service.prepareDecreaseDebt(MAX_UINT256),
  // Withdraw remaining collateral
  service.prepareWithdrawCollateral(usdcAddress, MAX_UINT256, myWalletAddress),
  service.prepareWithdrawCollateral(wethAddress, MAX_UINT256, myWalletAddress),
];
```

## Gotchas

### Safe Pricing Can Block Withdrawals

When you withdraw, ALL collateral is valued at `min(mainPrice, reservePrice)`:

```
Regular check:  collateral valued at main price
Withdrawal:     collateral valued at min(main, reserve)
```

An account that looks healthy at main prices may fail the withdrawal check at safe prices. For example, if main price is \$100 and reserve price is \$80, your account might have HF 1.2 normally but only HF 0.96 under safe pricing.

**Workaround:** Add extra collateral buffer or reduce debt before withdrawing if you're close to the threshold.

### Forbidden Tokens Block Withdrawals

If your account has forbidden tokens enabled, withdrawals are prohibited. You must disable forbidden tokens first (usually by swapping them away).

### Token Auto-Disables at Zero Balance

When you withdraw the entire balance of a token:

* Non-quota tokens are auto-disabled
* Quota tokens remain enabled until quota is zeroed

### Reserve Price May Be Zero

Some tokens have a reserve price of zero (untrusted tokens). Any withdrawal will fail if such tokens are enabled, because their value becomes zero under safe pricing.

### Withdrawal Doesn't Auto-Disable Quota Tokens

Unlike non-quota tokens, quota tokens remain enabled even at zero balance. You must explicitly zero the quota:

```typescript
const MAX_UINT256 = 2n ** 256n - 1n;
const INT96_MIN = BigInt.asIntN(96, -1n * 2n ** 95n);

const calls = [
  // Zero quota first
  service.prepareUpdateQuota(wethAddress, INT96_MIN, 0n),
  // Then withdraw
  service.prepareWithdrawCollateral(wethAddress, MAX_UINT256, myWalletAddress),
];
```

### Can't Withdraw Below Minimum Debt

After withdrawal, your account must still satisfy debt constraints. If withdrawal would leave you with debt between 0 and `minDebt`, it fails.

## Learn More

* [Adding Collateral](https://docs.gearbox.finance/developers/gm-mc-collateral) - The reverse operation
* [Debt Management](https://docs.gearbox.finance/developers/gm-mc-debt) - Often combined with withdrawals
* [Updating Quotas](https://docs.gearbox.finance/developers/gm-mc-quotas) - Zero quotas before withdrawing quota tokens