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Integration Guide

Last update:

Feb 24, 2026

Program ID

FL3X2pRsQ9zHENpZSKDRREtccwJuei8yg9fwDu9UN69Q

FL3X2pRsQ9zHENpZSKDRREtccwJuei8yg9fwDu9UN69Q

FL3X2pRsQ9zHENpZSKDRREtccwJuei8yg9fwDu9UN69Q

All information for a Lulo account is stored and routed through the UserAccount, which is a PDA that is derived from the owner's wallet address:

export function getFlexUserAccountAddress(owner: PublicKey, programId: PublicKey) {
	return PublicKey.findProgramAddressSync(
		[Buffer.from('flexlend'), owner.toBuffer()],
		programId, // FL3X2pRsQ9zHENpZSKDRREtccwJuei8yg9fwDu9UN69Q
	)[0]
}

export function getFlexUserAccountAddress(owner: PublicKey, programId: PublicKey) {
	return PublicKey.findProgramAddressSync(
		[Buffer.from('flexlend'), owner.toBuffer()],
		programId, // FL3X2pRsQ9zHENpZSKDRREtccwJuei8yg9fwDu9UN69Q
	)[0]
}

export function getFlexUserAccountAddress(owner: PublicKey, programId: PublicKey) {
	return PublicKey.findProgramAddressSync(
		[Buffer.from('flexlend'), owner.toBuffer()],
		programId, // FL3X2pRsQ9zHENpZSKDRREtccwJuei8yg9fwDu9UN69Q
	)[0]
}

The Lulo userAccount has authority over the deposited funds in each integrated protocol. For Drift, and Kamino, the authority transfers over directly to the respective user accounts at those protocols.

For MarginFi, you can find the corresponding Lulo obligation accounts by parsing the userAccount using the IDL attached below.

#[account]
pub struct UserAccount {
    pub bump: u8,
    pub _padding: [u8; 7],
    // wallet address that owns this UserAccount
    pub owner: Pubkey,
    // the marginFi userAccount which this UserAccount has authority
    pub mfi_account: Pubkey,
    
    pub _padding2: [u64; 32],
}

#[account]
pub struct UserAccount {
    pub bump: u8,
    pub _padding: [u8; 7],
    // wallet address that owns this UserAccount
    pub owner: Pubkey,
    // the marginFi userAccount which this UserAccount has authority
    pub mfi_account: Pubkey,
    
    pub _padding2: [u64; 32],
}

#[account]
pub struct UserAccount {
    pub bump: u8,
    pub _padding: [u8; 7],
    // wallet address that owns this UserAccount
    pub owner: Pubkey,
    // the marginFi userAccount which this UserAccount has authority
    pub mfi_account: Pubkey,
    
    pub _padding2: [u64; 32],
}