diff --git a/x/auction/keeper/debt.go b/x/auction/keeper/debt.go
index 94e0d960c..b98a0b4da 100644
--- a/x/auction/keeper/debt.go
+++ b/x/auction/keeper/debt.go
@@ -196,7 +196,11 @@ func (k Keeper) closeDebtAuction(
 		if err != nil {
 			return err
 		}
-		err = k.bank.SendCoinsFromModuleToAccount(ctx, auctiontypes.ModuleName, sdk.AccAddress(bidding.Bidder), sdk.NewCoins(debtAuction.ExpectedUserToken))
+		bidder, err := sdk.AccAddressFromBech32(bidding.Bidder)
+		if err != nil {
+			panic(err)
+		}
+		err = k.bank.SendCoinsFromModuleToAccount(ctx, auctiontypes.ModuleName, bidder, sdk.NewCoins(debtAuction.ExpectedUserToken))
 		if err != nil {
 			return err
 		}
diff --git a/x/auction/keeper/dutch.go b/x/auction/keeper/dutch.go
index d6b95db6b..0039649ae 100644
--- a/x/auction/keeper/dutch.go
+++ b/x/auction/keeper/dutch.go
@@ -295,10 +295,14 @@ func (k Keeper) PlaceDutchAuctionBid(ctx sdk.Context, appID, auctionMappingID, a
 	// if inflow token current amount >= InflowTokenTargetAmount
 	if auction.InflowTokenCurrentAmount.IsGTE(auction.InflowTokenTargetAmount) {
 		// send left overcollateral to vault owner as target cmst reached and also
+		vaultHolder, err := sdk.AccAddressFromBech32(lockedVault.Owner)
+		if err != nil {
+			panic(err)
+		}
 
 		total := auction.OutflowTokenCurrentAmount
 		if total.Amount.GT(sdk.ZeroInt()) {
-			err := k.bank.SendCoinsFromModuleToAccount(ctx, auctiontypes.ModuleName, sdk.AccAddress(lockedVault.Owner), sdk.NewCoins(total))
+			err := k.bank.SendCoinsFromModuleToAccount(ctx, auctiontypes.ModuleName, vaultHolder, sdk.NewCoins(total))
 			if err != nil {
 				return err
 			}
diff --git a/x/auction/keeper/dutch_lend.go b/x/auction/keeper/dutch_lend.go
index d7aab6363..1fd7bf67b 100644
--- a/x/auction/keeper/dutch_lend.go
+++ b/x/auction/keeper/dutch_lend.go
@@ -266,8 +266,12 @@ func (k Keeper) PlaceLendDutchAuctionBid(ctx sdk.Context, appID, auctionMappingI
 	// if inflow token current amount >= InflowTokenTargetAmount
 	if auction.InflowTokenCurrentAmount.IsGTE(auction.InflowTokenTargetAmount) {
 		total := auction.OutflowTokenCurrentAmount
+		vaultHolder, err := sdk.AccAddressFromBech32(lockedVault.Owner)
+		if err != nil {
+			panic(err)
+		}
 		if total.Amount.GT(sdk.ZeroInt()) {
-			err = k.bank.SendCoinsFromModuleToAccount(ctx, auctiontypes.ModuleName, sdk.AccAddress(lockedVault.Owner), sdk.NewCoins(total))
+			err = k.bank.SendCoinsFromModuleToAccount(ctx, auctiontypes.ModuleName, vaultHolder, sdk.NewCoins(total))
 			if err != nil {
 				return err
 			}