diff --git a/src/actions/borrow.tsx b/src/actions/borrow.tsx
index 3fdb2d1..a48554e 100644
--- a/src/actions/borrow.tsx
+++ b/src/actions/borrow.tsx
@@ -6,7 +6,7 @@ import {
 } from "@solana/web3.js";
 import { sendTransaction } from "../contexts/connection";
 import { notify } from "../utils/notifications";
-import { LendingReserve } from "./../models/lending/reserve";
+import { accrueInterestInstruction, LendingReserve } from "./../models/lending/reserve";
 import { AccountLayout, MintInfo, MintLayout } from "@solana/spl-token";
 import { LENDING_PROGRAM_ID, LEND_HOST_FEE_ADDRESS } from "../utils/ids";
 import {
@@ -123,7 +123,6 @@ export const borrow = async (
   )
   : undefined;
 
-
   if (instructions.length > 0) {
     // create all accounts in one transaction
     let tx = await sendTransaction(connection, wallet, instructions, [...signers]);
@@ -202,6 +201,13 @@ export const borrow = async (
 
   const memory = createTempMemoryAccount(instructions, wallet.publicKey, signers, LENDING_PROGRAM_ID);
 
+  instructions.push(
+    accrueInterestInstruction(
+      depositReserve.pubkey,
+      borrowReserve.pubkey,
+    )
+  );
+
   // borrow
   instructions.push(
     borrowInstruction(
diff --git a/src/actions/deposit.tsx b/src/actions/deposit.tsx
index 454f3a2..f748fc4 100644
--- a/src/actions/deposit.tsx
+++ b/src/actions/deposit.tsx
@@ -7,6 +7,7 @@ import {
 import { sendTransaction } from "../contexts/connection";
 import { notify } from "../utils/notifications";
 import {
+  accrueInterestInstruction,
   depositInstruction,
   initReserveInstruction,
   LendingReserve,
@@ -85,6 +86,12 @@ export const deposit = async (
   }
 
   if (isInitalized) {
+    instructions.push(
+      accrueInterestInstruction(
+        reserveAddress,
+      )
+    );
+
     // deposit
     instructions.push(
       depositInstruction(
diff --git a/src/actions/liquidate.tsx b/src/actions/liquidate.tsx
index d9f82c1..f76acff 100644
--- a/src/actions/liquidate.tsx
+++ b/src/actions/liquidate.tsx
@@ -6,7 +6,7 @@ import {
 } from "@solana/web3.js";
 import { sendTransaction } from "../contexts/connection";
 import { notify } from "../utils/notifications";
-import { LendingReserve } from "./../models/lending/reserve";
+import { accrueInterestInstruction, LendingReserve } from "./../models/lending/reserve";
 import { liquidateInstruction } from "./../models/lending/liquidate";
 import { AccountLayout } from "@solana/spl-token";
 import { LENDING_PROGRAM_ID } from "../utils/ids";
@@ -92,6 +92,13 @@ export const liquidate = async (
 
   const memory = createTempMemoryAccount(instructions, wallet.publicKey, signers, LENDING_PROGRAM_ID);
 
+  instructions.push(
+    accrueInterestInstruction(
+      repayReserve.pubkey,
+      withdrawReserve.pubkey,
+    )
+  );
+
   instructions.push(
     liquidateInstruction(
       amountLamports,
diff --git a/src/actions/repay.tsx b/src/actions/repay.tsx
index e4365d6..9450715 100644
--- a/src/actions/repay.tsx
+++ b/src/actions/repay.tsx
@@ -6,7 +6,7 @@ import {
 } from "@solana/web3.js";
 import { sendTransaction } from "../contexts/connection";
 import { notify } from "../utils/notifications";
-import { LendingReserve } from "./../models/lending/reserve";
+import { accrueInterestInstruction, LendingReserve } from "./../models/lending/reserve";
 import { repayInstruction } from "./../models/lending/repay";
 import { AccountLayout, Token, NATIVE_MINT } from "@solana/spl-token";
 import { LENDING_PROGRAM_ID, TOKEN_PROGRAM_ID } from "../utils/ids";
@@ -87,8 +87,13 @@ export const repay = async (
     transferAuthority.publicKey,
   );
 
-  // TODO: add obligation
-
+  instructions.push(
+    accrueInterestInstruction(
+      repayReserve.pubkey,
+      withdrawReserve.pubkey,
+    )
+  );
+  
   instructions.push(
     repayInstruction(
       repayAmount,
diff --git a/src/actions/withdraw.tsx b/src/actions/withdraw.tsx
index 2e3455c..b9b1726 100644
--- a/src/actions/withdraw.tsx
+++ b/src/actions/withdraw.tsx
@@ -6,7 +6,7 @@ import {
 } from "@solana/web3.js";
 import { sendTransaction } from "../contexts/connection";
 import { notify } from "../utils/notifications";
-import { LendingReserve, withdrawInstruction } from "./../models/lending";
+import { accrueInterestInstruction, LendingReserve, withdrawInstruction } from "./../models/lending";
 import { AccountLayout } from "@solana/spl-token";
 import { LENDING_PROGRAM_ID } from "../utils/ids";
 import { findOrCreateAccountByMint } from "./account";
@@ -59,6 +59,12 @@ export const withdraw = async (
     signers
   );
 
+  instructions.push(
+    accrueInterestInstruction(
+      reserveAddress
+    )
+  );
+
   instructions.push(
     withdrawInstruction(
       amountLamports,
diff --git a/src/models/lending/reserve.ts b/src/models/lending/reserve.ts
index 4bf053e..eb4c66f 100644
--- a/src/models/lending/reserve.ts
+++ b/src/models/lending/reserve.ts
@@ -205,7 +205,7 @@ export const initReserveInstruction = (
 };
 
 export const accrueInterestInstruction = (
-  reserveAccount: PublicKey[],
+  ...reserveAccount: PublicKey[]
 ): TransactionInstruction => {
   const dataLayout = BufferLayout.struct([
     BufferLayout.u8('instruction'),