[Frontend] useRepaymentOperation.executeRepayment is fully simulated - it never builds, signs, or submits a transaction yet reports success and awards XP

[grantfox-oss]

Telegram (ask questions / claim the issue here first): https://t.me/+DOylgFv1jyJlNzM0

Why this matters

useRepaymentOperation.ts:54-107 runs only setTimeout delays, fabricates a fake hash tx_${Date.now()} (line 73), invalidates queries and resolves status: success - it imports useWallet/submitPoolTransaction but never calls them (those are used only by the deposit/withdraw variants). Its sole consumer, LoanRepaymentForm.tsx:108, shows a real repayment UI and triggers gamification XP on this fake success. The form is currently unrendered, but the exported hook is a wired trap that would report a successful repayment with no on-chain effect if mounted.

Acceptance criteria

• Implement the real build -> sign -> submit flow (mirror useDepositOperation) or remove the simulated hook + dead LoanRepaymentForm
• Do not award XP / mark complete until a real submitPoolTransaction/submitLoanTransaction txHash returns
• Remove the Math.random() > 0.5 fake streak award in LoanRepaymentForm.tsx:41 if the form is kept

Files to touch

• frontend/src/app/hooks/useRepaymentOperation.ts
• frontend/src/app/components/borrower/LoanRepaymentForm.tsx

Out of scope

• The separate real repay flow in [locale]/repay/[loanId]/page.tsx

[Buchi-Einstein]

@Buchi-Einstein has applied to work on this issue as part of the Stellar Wave Program's 6th wave.

Can I work on this please

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[sadiqabubakar826-del]

@sadiqabubakar826-del has applied to work on this issue as part of the Stellar Wave Program's 6th wave.

Let me work on this issue
I'll definitely give you quick response

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[midexol]

@midexol has applied to work on this issue as part of the Stellar Wave Program's 6th wave.

Hi maintainer, I'd like to work on this issue. Please assign

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[wheval]

@wheval has applied to work on this issue as part of the Stellar Wave Program's 6th wave.

Hello i would love to work on this.

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[Thoni76]

@Thoni76 has applied to work on this issue as part of the Stellar Wave Program's 6th wave.

Please assign . you will get a pr today

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[Oluwasuyi-Timilehin]

@Oluwasuyi-Timilehin has applied to work on this issue as part of the Stellar Wave Program's 6th wave.

Hello, please assign this task to me. I would get started on it immediately

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[Georgechisom]

@Georgechisom has applied to work on this issue as part of the Stellar Wave Program's 6th wave.

Hi, I have reviewed this issue and am familiar and skilled to solve this issue, kindly assign it to me

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[drips-wave]

Congratulations, @wheval! 🎉 Your application was accepted by the repo's maintainers, and the issue is due on June 30, 2026.

🧑‍💻 @wheval: Please resolve the issue such that the repo's maintainers have enough time to review your contribution before the due date. You'll earn Points for completing the issue on-time, which will make you eligible for a share of the Stellar Wave Program's reward pool.

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[grantfox-oss]

🦊 GrantFox — @wheval has been assigned to this issue!

Next steps:

1. Open a Pull Request referencing this issue (e.g., Closes #1220)
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