What is the difference between the two verses in Surat Al-Baqarah that speak about those who consume usury: one clarifying that whoever receives admonition and desists may keep what is past, and the other clarifying that whoever repents may have his principal?

The first verse, "So whoever receives an admonition from his Lord and stops, then he may keep what is past," addresses the ruling on someone who consumed usury before its prohibition. If such a person complies with Allah's command, they are not obliged to return what they acquired. This ruling applies to anyone who earned unlawful money before embracing Islam. As for someone who repents from consuming usury after its prohibition, and still has a debt owed to them by their debtor, they are obligated not to take anything more than their principal, based on Allah's saying: "But if you repent, you may have your principal – [thus] you do no wrong, nor are you wronged." The meaning of "you may have your principal" is that you should only take your principal without any increase, so you do not wrong your debtors by taking an increase, nor are you wronged by a reduction of your principal.