# Centuari

> Cross-chain fixed-rate lending protocol bringing predictable yields to DeFi

Centuari is a decentralized fixed-rate lending protocol. It aggregates liquidity across multiple chains, settles on Arbitrum, and charges zero gas fees for lending and borrowing. All positions are tokenized as Centuari Bond Tokens (CBT).

## Getting Started

- [Welcome to Centuari](https://docs.centuari.io/introduction.md): Overview of the protocol, products, and quick start guides
- [Why Fixed Rate?](https://docs.centuari.io/overview/why-fixed-rate.md): The volatility problem in DeFi lending and how fixed rates solve it
- [How It Works](https://docs.centuari.io/overview/how-it-works.md): Protocol mechanics, CBT, and cross-chain architecture

## Fixed Rate Lending

- [Fixed Rate Lending](https://docs.centuari.io/products/fixed-rate/overview.md): Cross-chain gasless fixed-rate lending and borrowing
- [Centuari Bond Token (CBT)](https://docs.centuari.io/products/fixed-rate/cbt.md): Tokenized lending positions that behave like Zero Coupon Bonds
- [CBT Early Exit](https://docs.centuari.io/products/fixed-rate/cbt-early-exit.md): Exit your lending position before maturity using limit or market orders
- [Auto Rollover](https://docs.centuari.io/products/fixed-rate/auto-rollover.md): Automatic position extension at maturity for continuous fixed-rate yields
- [Auto Refinance](https://docs.centuari.io/products/fixed-rate/auto-refinance.md): Automatic loan refinancing at maturity for continuous borrowing

## Stablecoin Enabler

- [Stablecoin Enabler](https://docs.centuari.io/products/stablecoin-enabler/overview.md): Multi-currency support for global fixed-rate lending
- [Currency Abstraction](https://docs.centuari.io/products/stablecoin-enabler/currency-abstraction.md): Automatic currency optimization for best rates across markets

## RWA Collateral

- [RWA Collateral](https://docs.centuari.io/products/rwa-collateral/overview.md): Use tokenized real-world assets as collateral for fixed-rate borrowing
- [RWA Risk Parameters](https://docs.centuari.io/products/rwa-collateral/risk-parameters.md): Risk framework and parameters for tokenized real-world asset collateral
- [Custody Integration](https://docs.centuari.io/products/rwa-collateral/custody-integration.md): How Centuari integrates with RWA token custodians

## Idle Yield Router

- [Idle Yield Router](https://docs.centuari.io/products/yield-router/overview.md): Automatic deployment of idle capital to maximize capital efficiency
- [Auto-Deployment](https://docs.centuari.io/products/yield-router/auto-deployment.md): How idle capital is automatically deployed to yield protocols
- [Capital Recall](https://docs.centuari.io/products/yield-router/capital-recall.md): Instant recall of deployed capital for order matching

## Mutual Fund Vaults

- [Mutual Fund Vaults](https://docs.centuari.io/products/mutual-fund-vaults/overview.md): Managed yield strategies with curator-controlled parameters
- [Vault Strategies](https://docs.centuari.io/products/mutual-fund-vaults/vault-strategies.md): Different vault strategy types and their risk/return profiles
- [Curator Parameters](https://docs.centuari.io/products/mutual-fund-vaults/curator-parameters.md): Creating and managing vaults as a curator
- [Rebalancing](https://docs.centuari.io/products/mutual-fund-vaults/rebalancing.md): How vault rebalancing works and when it triggers

## Asset Looping

- [Asset Looping](https://docs.centuari.io/products/asset-looping/overview.md): Recursive borrowing to amplify exposure on stablecoins, crypto, and RWA with fixed-rate borrowing

## Credit Kit

- [Credit Kit](https://docs.centuari.io/products/credit-kit/overview.md): Embedded credit infrastructure for fintechs and applications

## Lenders

- [Getting Started as a Lender](https://docs.centuari.io/user-guides/lenders/getting-started.md): Start earning fixed yields on your stablecoins
- [Supply Capital](https://docs.centuari.io/user-guides/lenders/supply-capital.md): Detailed guide to supplying capital for fixed-rate lending
- [Trade Positions](https://docs.centuari.io/user-guides/lenders/trade-positions.md): Exit lending positions early by trading CBT
- [Vault Allocation](https://docs.centuari.io/user-guides/lenders/vault-allocation.md): Deposit into curator-managed vaults for hands-off fixed-rate exposure
- [Yield Optimization](https://docs.centuari.io/user-guides/lenders/yield-optimization.md): Advanced strategies for maximizing fixed-rate lending returns

## Borrowers

- [Getting Started as a Borrower](https://docs.centuari.io/user-guides/borrowers/getting-started.md): Borrow at fixed rates with predictable costs
- [Borrow at Fixed Rate](https://docs.centuari.io/user-guides/borrowers/borrow-fixed.md): Detailed guide to fixed-rate borrowing mechanics
- [Collateral Types](https://docs.centuari.io/user-guides/borrowers/collateral-types.md): Understanding crypto and RWA collateral options
- [Refinancing](https://docs.centuari.io/user-guides/borrowers/refinancing.md): Roll and manage borrowing positions
- [Liquidation](https://docs.centuari.io/user-guides/borrowers/liquidation.md): Understanding and avoiding liquidation risk

## Liquidity Providers

- [Getting Started as a Liquidity Provider](https://docs.centuari.io/user-guides/liquidity-providers/getting-started.md): Earn spreads by market making on the fixed-rate order book
- [Market Making](https://docs.centuari.io/user-guides/liquidity-providers/market-making.md): Advanced strategies for liquidity provision
- [Fee Structure](https://docs.centuari.io/user-guides/liquidity-providers/fee-structure.md): Understanding fees and economics for liquidity providers
- [LP Incentives](https://docs.centuari.io/user-guides/liquidity-providers/incentives.md): Reward programs for liquidity providers

## Vault Curators

- [Getting Started as a Vault Curator](https://docs.centuari.io/user-guides/vault-curators/getting-started.md): Create and manage yield strategy vaults
- [Create a Vault](https://docs.centuari.io/user-guides/vault-curators/create-vault.md): Step-by-step guide to creating a Mutual Fund Vault
- [Risk Parameters](https://docs.centuari.io/user-guides/vault-curators/risk-parameters.md): Setting and managing vault risk parameters
- [Rebalancing](https://docs.centuari.io/user-guides/vault-curators/rebalancing.md): Managing vault allocations and executing rebalancing
- [Performance Fees](https://docs.centuari.io/user-guides/vault-curators/performance-fees.md): Understanding and claiming curator performance fees

## Optional

- [Glossary](https://docs.centuari.io/resources/glossary.md): DeFi and Centuari terminology explained simply
- [FAQ](https://docs.centuari.io/resources/faq.md): Frequently asked questions about Centuari
- [Risks](https://docs.centuari.io/resources/risks.md): Understanding the risks involved in using Centuari and how the protocol mitigates them