Same position. Same risk. A cheaper rate.

A wide gap on a small borrow is worth less than a narrow gap on a large one, and ranking by percentage gets this backwards every time.

The second is worth more than twice the first, despite a gap twenty times narrower. We quote you dollars per year and the payback period, never a headline percentage — because the percentage is the number that misleads.

• Flash-borrow what you owe on the expensive venue. Cost on Spark: zero.
• Repay that debt — the live figure, read on-chain inside the same transaction, so accrued interest cannot leave a remainder.
• Move the collateral across to the cheaper venue.
• Borrow the same amount there, at the better rate.
• Repay the flash loan. Done, one transaction.

Your health factor barely moves — same collateral, same debt. If any step fails, the whole thing reverts and your position is exactly as it was.

There is a Safe App for this. Doing a refinance by hand is three transactions — approve, delegate, draw — each needing its own signature round from your signers. The app proposes all three as a single batch, so one round of signatures does the whole thing.

Add it under Apps → My custom apps using https://atomic-refinance.pages.dev. It reads your position, shows the saving and the payback, and queues the batch — nothing executes until your signers approve it.