# FullyRepaid

The **FullyRepaid** phase is reached when the borrower has made all required payments. The loan is complete, and all that remains is for investors and the borrower to collect their funds.

## What Happens

* The vault transitions here **automatically** when the final payment is received
* The **Pool Manager's collateral** is released (unlocked via cross-contract call to Globals)
* The manager's **outstanding principal** is decremented in Globals
* **Investors** can continue to claim any unclaimed yield from the EMI pool
* The **Borrower** can withdraw any remaining funds from the cash pool

## What's Available

| Pool          | Who Can Access | Function                |
| ------------- | -------------- | ----------------------- |
| **EMI pool**  | Investors      | `claim_yield(investor)` |
| **Cash pool** | Borrower       | `withdraw_cash(amount)` |

## Transition

Once all funds have been distributed, the vault transitions to **Finalized** — the terminal state.

{% hint style="success" %}
A vault reaching FullyRepaid is the ideal outcome. The borrower has fulfilled their obligations, investors have earned their yield, and the manager's collateral is returned.
{% endhint %}


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