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Our Mission

Centuari exists to make fixed-rate lending the default in DeFi, bringing the predictability that traditional finance users expect while preserving the composability and accessibility that makes DeFi powerful.
Neobank 2.0: We’re building the infrastructure layer that enables the next generation of financial services, ones that combine TradFi’s reliability with DeFi’s innovation.

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The Problem We’re Solving

DeFi has proven that financial services can be:
  • Permissionless: Anyone can participate
  • Transparent: All transactions visible on-chain
  • Composable: Protocols build on each other
  • Global: Accessible from anywhere
But DeFi has failed to deliver:
  • Predictable rates: Variable rates make planning impossible
  • Institutional compatibility: Compliance requirements go unmet
  • Real-world asset integration: Crypto collateral only
  • User experience: Gas fees, complexity, fragmentation
Centuari fixes all four.

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Vision: Financial Infrastructure for Everyone

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Phase 1: Fixed-Rate Foundation

Build the core fixed-rate lending protocol with cross-chain liquidity aggregation on Arbitrum.Status: In Development
2

Phase 2: Multi-Currency Expansion

Support global stablecoins (EURC, JPYC, etc.) enabling true multi-currency lending.Status: Roadmap
3

Phase 3: RWA Integration

Enable tokenized real-world assets as collateral, bridging TradFi and DeFi.Status: Roadmap
4

Phase 4: Credit Kit Platform

Launch embedded finance infrastructure for fintechs, neobanks, and enterprises.Status: Roadmap

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Design Principles

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1. Simplicity First

Easy Mode

One-click lending and borrowing for users who want simplicity

Advanced Mode

Full control for sophisticated users and institutions
We believe the best financial products are invisible. Easy Mode lets users get fixed-rate exposure without understanding order books, maturities, or CBT mechanics.

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2. Composability by Default

Every position in Centuari is tokenized as CBT (Centuari Bond Token). This means:
  • Trade it: Sell your position on secondary markets
  • Collateralize it: Use as collateral in other protocols
  • Index it: Include in yield indices and structured products
  • Custody it: Store in any ERC-20 compatible wallet

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3. Cross-Chain Native

We don’t believe in chain maximalism. Users should access liquidity from wherever they are:
  • Deposit from any supported chain
  • All execution happens on Arbitrum (low fees, fast finality)
  • Withdraw to any supported chain

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4. Progressive Decentralization

Launch with training wheels, remove them over time:
PhaseGovernanceOperations
LaunchTeam multisigCentralized ops
GrowthToken votingHybrid ops
MatureFull DAODecentralized

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The Neobank 2.0 Stack

Centuari is building infrastructure that enables a new class of financial applications: 
┌─────────────────────────────────────────────┐
│           Consumer Applications             │
│     (Neobanks, Fintechs, Wallets)          │
├─────────────────────────────────────────────┤
│              Credit Kit API                 │
│        (Embedded Finance Layer)             │
├─────────────────────────────────────────────┤
│            Centuari Protocol                │
│   (Fixed-Rate Lending Infrastructure)       │
├─────────────────────────────────────────────┤
│        Cross-Chain Liquidity Layer          │
│        (Arbitrum Home Chain)                │
└─────────────────────────────────────────────┘

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What This Enables

Offer fixed-rate savings products to customers without building lending infrastructure from scratch.
Embed credit functionality into existing applications via API and SDK.
Access DeFi yields with the predictability and compliance compatibility they require.
Build on transparent, audited, composable infrastructure instead of centralized APIs.

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What Success Looks Like

2025

  • Fixed-rate lending live on Arbitrum
  • $100M+ TVL
  • Multi-chain liquidity aggregation

2026

  • Multi-currency support
  • RWA collateral live
  • Credit Kit API in production
  • $1B+ TVL

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Join Us

We’re building the infrastructure that will power the next generation of financial services. Whether you’re a user, developer, or institution, there’s a place for you in Centuari.

Use the Protocol

Start lending or borrowing

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