diff --git a/x/hard/client/cli/tx.go b/x/hard/client/cli/tx.go
index 3db90bfe..85874f95 100644
--- a/x/hard/client/cli/tx.go
+++ b/x/hard/client/cli/tx.go
@@ -6,6 +6,7 @@ import (
 	"strings"
 
 	"github.com/spf13/cobra"
+	"github.com/spf13/viper"
 
 	"github.com/cosmos/cosmos-sdk/client"
 	"github.com/cosmos/cosmos-sdk/client/context"
@@ -33,13 +34,20 @@ func GetTxCmd(cdc *codec.Codec) *cobra.Command {
 		getCmdDeposit(cdc),
 		getCmdWithdraw(cdc),
 		getCmdBorrow(cdc),
+		addOptionalFlag(getCmdRepay(cdc), flagOwner, "", "original borrower's address whose loan will be repaid"),
 		getCmdLiquidate(cdc),
-		getCmdRepay(cdc),
 	)...)
 
 	return hardTxCmd
 }
 
+// addFlag adds a cobra flag and binds it using viper
+func addOptionalFlag(cmd *cobra.Command, flagName, flagValue, flagUsage string) *cobra.Command {
+	cmd.Flags().String(flagName, flagValue, flagUsage)
+	viper.BindPFlag(flagName, cmd.Flags().Lookup(flagName))
+	return cmd
+}
+
 func getCmdDeposit(cdc *codec.Codec) *cobra.Command {
 	return &cobra.Command{
 		Use:   "deposit [amount]",
@@ -91,7 +99,7 @@ func getCmdWithdraw(cdc *codec.Codec) *cobra.Command {
 
 func getCmdBorrow(cdc *codec.Codec) *cobra.Command {
 	return &cobra.Command{
-		Use:   "borrow [1000000000ukava]",
+		Use:   "borrow [amount]",
 		Short: "borrow tokens from the hard protocol",
 		Long:  strings.TrimSpace(`borrows tokens from the hard protocol`),
 		Args:  cobra.ExactArgs(1),
@@ -119,24 +127,40 @@ func getCmdBorrow(cdc *codec.Codec) *cobra.Command {
 
 func getCmdRepay(cdc *codec.Codec) *cobra.Command {
 	return &cobra.Command{
-		Use:   "repay [1000000000ukava]",
+		Use:   "repay [amount]",
 		Short: "repay tokens to the hard protocol",
-		Long:  strings.TrimSpace(`repay tokens to the hard protocol`),
+		Long:  strings.TrimSpace(`repay tokens to the hard protocol with optional --owner param to repay another account's loan`),
 		Args:  cobra.ExactArgs(1),
-		Example: fmt.Sprintf(
-			`%s tx %s repay 1000000000ukava,25000000000bnb --from <key>`, version.ClientName, types.ModuleName,
-		),
+		Example: strings.TrimSpace(`
+kvcli tx hard repay 1000000000ukava --from <key>
+kvcli tx hard repay 1000000000ukava,25000000000bnb --from <key>
+kvcli tx hard repay 1000000000ukava,25000000000bnb --owner <owner-address> --from <key>
+		`),
 		RunE: func(cmd *cobra.Command, args []string) error {
 			inBuf := bufio.NewReader(cmd.InOrStdin())
 			cliCtx := context.NewCLIContext().WithCodec(cdc)
 			txBldr := auth.NewTxBuilderFromCLI(inBuf).WithTxEncoder(utils.GetTxEncoder(cdc))
 
+			var owner sdk.AccAddress
+			ownerStr := viper.GetString(flagOwner)
+
+			// Parse optional owner argument or default to sender
+			if len(ownerStr) > 0 {
+				ownerAddr, err := sdk.AccAddressFromBech32(ownerStr)
+				if err != nil {
+					return err
+				}
+				owner = ownerAddr
+			} else {
+				owner = cliCtx.GetFromAddress()
+			}
+
 			coins, err := sdk.ParseCoins(args[0])
 			if err != nil {
 				return err
 			}
 
-			msg := types.NewMsgRepay(cliCtx.GetFromAddress(), coins)
+			msg := types.NewMsgRepay(cliCtx.GetFromAddress(), owner, coins)
 			if err := msg.ValidateBasic(); err != nil {
 				return err
 			}
diff --git a/x/hard/client/rest/rest.go b/x/hard/client/rest/rest.go
index 8d7a1659..a2752ff6 100644
--- a/x/hard/client/rest/rest.go
+++ b/x/hard/client/rest/rest.go
@@ -47,6 +47,7 @@ type PostBorrowReq struct {
 type PostRepayReq struct {
 	BaseReq rest.BaseReq   `json:"base_req" yaml:"base_req"`
 	From    sdk.AccAddress `json:"from" yaml:"from"`
+	Owner   sdk.AccAddress `json:"owner" yaml:"owner"`
 	Amount  sdk.Coins      `json:"amount" yaml:"amount"`
 }
 
diff --git a/x/hard/client/rest/tx.go b/x/hard/client/rest/tx.go
index 355cf43c..d3aae42c 100644
--- a/x/hard/client/rest/tx.go
+++ b/x/hard/client/rest/tx.go
@@ -97,7 +97,12 @@ func postRepayHandlerFn(cliCtx context.CLIContext) http.HandlerFunc {
 			return
 		}
 
-		msg := types.NewMsgRepay(req.From, req.Amount)
+		owner := req.Owner
+		if owner.Empty() {
+			owner = req.From
+		}
+
+		msg := types.NewMsgRepay(req.From, owner, req.Amount)
 		if err := msg.ValidateBasic(); err != nil {
 			rest.WriteErrorResponse(w, http.StatusBadRequest, err.Error())
 			return
diff --git a/x/hard/handler.go b/x/hard/handler.go
index a8cfd7c3..ac4ad8fb 100644
--- a/x/hard/handler.go
+++ b/x/hard/handler.go
@@ -84,7 +84,7 @@ func handleMsgBorrow(ctx sdk.Context, k keeper.Keeper, msg types.MsgBorrow) (*sd
 }
 
 func handleMsgRepay(ctx sdk.Context, k keeper.Keeper, msg types.MsgRepay) (*sdk.Result, error) {
-	err := k.Repay(ctx, msg.Sender, msg.Amount)
+	err := k.Repay(ctx, msg.Sender, msg.Owner, msg.Amount)
 	if err != nil {
 		return nil, err
 	}
diff --git a/x/hard/keeper/repay.go b/x/hard/keeper/repay.go
index 50ac19a6..ee6b0a39 100644
--- a/x/hard/keeper/repay.go
+++ b/x/hard/keeper/repay.go
@@ -8,9 +8,9 @@ import (
 )
 
 // Repay borrowed funds
-func (k Keeper) Repay(ctx sdk.Context, sender sdk.AccAddress, coins sdk.Coins) error {
+func (k Keeper) Repay(ctx sdk.Context, sender, owner sdk.AccAddress, coins sdk.Coins) error {
 	// Check borrow exists here to avoid duplicating store read in ValidateRepay
-	borrow, found := k.GetBorrow(ctx, sender)
+	borrow, found := k.GetBorrow(ctx, owner)
 	if !found {
 		return types.ErrBorrowNotFound
 	}
@@ -18,10 +18,10 @@ func (k Keeper) Repay(ctx sdk.Context, sender sdk.AccAddress, coins sdk.Coins) e
 	k.BeforeBorrowModified(ctx, borrow)
 
 	// Sync borrow interest so loan is up-to-date
-	k.SyncBorrowInterest(ctx, sender)
+	k.SyncBorrowInterest(ctx, owner)
 
-	// Validate requested repay
-	err := k.ValidateRepay(ctx, sender, coins)
+	// Validate that sender holds coins for repayment
+	err = k.ValidateRepay(ctx, sender, coins)
 	if err != nil {
 		return err
 	}
@@ -69,6 +69,7 @@ func (k Keeper) Repay(ctx sdk.Context, sender sdk.AccAddress, coins sdk.Coins) e
 		sdk.NewEvent(
 			types.EventTypeHardRepay,
 			sdk.NewAttribute(types.AttributeKeySender, sender.String()),
+			sdk.NewAttribute(types.AttributeKeyOwner, owner.String()),
 			sdk.NewAttribute(types.AttributeKeyRepayCoins, payment.String()),
 		),
 	)
diff --git a/x/hard/keeper/repay_test.go b/x/hard/keeper/repay_test.go
index b83df3b7..159edd26 100644
--- a/x/hard/keeper/repay_test.go
+++ b/x/hard/keeper/repay_test.go
@@ -211,7 +211,7 @@ func (suite *KeeperTestSuite) TestRepay() {
 			err = suite.keeper.Borrow(suite.ctx, tc.args.borrower, tc.args.borrowCoins)
 			suite.Require().NoError(err)
 
-			err = suite.keeper.Repay(suite.ctx, tc.args.borrower, tc.args.repayCoins)
+			err = suite.keeper.Repay(suite.ctx, tc.args.borrower, tc.args.borrower, tc.args.repayCoins)
 			if tc.errArgs.expectPass {
 				suite.Require().NoError(err)
 				// If we overpaid expect an adjustment
diff --git a/x/hard/keeper/withdraw_test.go b/x/hard/keeper/withdraw_test.go
index 99b3781c..80a40ba1 100644
--- a/x/hard/keeper/withdraw_test.go
+++ b/x/hard/keeper/withdraw_test.go
@@ -356,7 +356,7 @@ func (suite *KeeperTestSuite) TestLtvWithdraw() {
 			suite.Require().True(strings.Contains(err.Error(), tc.errArgs.contains))
 
 			// Repay the initial principal
-			err = suite.keeper.Repay(suite.ctx, tc.args.borrower, tc.args.borrowCoins)
+			err = suite.keeper.Repay(suite.ctx, tc.args.borrower, tc.args.borrower, tc.args.borrowCoins)
 			suite.Require().NoError(err)
 
 			// Attempted withdraw of all deposited coins fails as user hasn't repaid interest debt
diff --git a/x/hard/types/events.go b/x/hard/types/events.go
index d47c1a64..6db08778 100644
--- a/x/hard/types/events.go
+++ b/x/hard/types/events.go
@@ -26,4 +26,5 @@ const (
 	AttributeKeyLiquidatedCoins        = "liquidated_coins"
 	AttributeKeyKeeper                 = "keeper"
 	AttributeKeyKeeperRewardCoins      = "keeper_reward_coins"
+	AttributeKeyOwner                  = "owner"
 )
diff --git a/x/hard/types/msg.go b/x/hard/types/msg.go
index b76398b1..adbb55e5 100644
--- a/x/hard/types/msg.go
+++ b/x/hard/types/msg.go
@@ -169,13 +169,15 @@ func (msg MsgBorrow) String() string {
 // MsgRepay repays funds to the hard module.
 type MsgRepay struct {
 	Sender sdk.AccAddress `json:"sender" yaml:"sender"`
+	Owner  sdk.AccAddress `json:"owner" yaml:"owner"`
 	Amount sdk.Coins      `json:"amount" yaml:"amount"`
 }
 
 // NewMsgRepay returns a new MsgRepay
-func NewMsgRepay(sender sdk.AccAddress, amount sdk.Coins) MsgRepay {
+func NewMsgRepay(sender, owner sdk.AccAddress, amount sdk.Coins) MsgRepay {
 	return MsgRepay{
 		Sender: sender,
+		Owner:  owner,
 		Amount: amount,
 	}
 }
@@ -191,6 +193,9 @@ func (msg MsgRepay) ValidateBasic() error {
 	if msg.Sender.Empty() {
 		return sdkerrors.Wrap(sdkerrors.ErrInvalidAddress, "sender address cannot be empty")
 	}
+	if msg.Owner.Empty() {
+		return sdkerrors.Wrap(sdkerrors.ErrInvalidAddress, "owner address cannot be empty")
+	}
 	if !msg.Amount.IsValid() || msg.Amount.IsZero() {
 		return sdkerrors.Wrapf(sdkerrors.ErrInvalidCoins, "repay amount %s", msg.Amount)
 	}
@@ -212,8 +217,9 @@ func (msg MsgRepay) GetSigners() []sdk.AccAddress {
 func (msg MsgRepay) String() string {
 	return fmt.Sprintf(`Repay Message:
 	Sender:         %s
+	Owner:         %s
 	Amount:   %s
-`, msg.Sender, msg.Amount)
+`, msg.Sender, msg.Owner, msg.Amount)
 }
 
 // MsgLiquidate attempts to liquidate a borrower's borrow
diff --git a/x/hard/types/msg_test.go b/x/hard/types/msg_test.go
index b9ed9580..467bcf54 100644
--- a/x/hard/types/msg_test.go
+++ b/x/hard/types/msg_test.go
@@ -152,6 +152,7 @@ func (suite *MsgTestSuite) TestMsgBorrow() {
 func (suite *MsgTestSuite) TestMsgRepay() {
 	type args struct {
 		sender sdk.AccAddress
+		owner  sdk.AccAddress
 		amount sdk.Coins
 	}
 	addrs := []sdk.AccAddress{
@@ -167,6 +168,7 @@ func (suite *MsgTestSuite) TestMsgRepay() {
 			name: "valid",
 			args: args{
 				sender: addrs[0],
+				owner:  addrs[0],
 				amount: sdk.NewCoins(sdk.NewCoin("test", sdk.NewInt(1000000))),
 			},
 			expectPass:  true,
@@ -175,7 +177,7 @@ func (suite *MsgTestSuite) TestMsgRepay() {
 	}
 	for _, tc := range testCases {
 		suite.Run(tc.name, func() {
-			msg := types.NewMsgRepay(tc.args.sender, tc.args.amount)
+			msg := types.NewMsgRepay(tc.args.sender, tc.args.owner, tc.args.amount)
 			err := msg.ValidateBasic()
 			if tc.expectPass {
 				suite.NoError(err)