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Animation showing Credit Kit API powering lending features in third-party applications

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Overview

Credit Kit is Centuari’s embedded finance infrastructure. It enables fintechs, neobanks, wallets, and applications to offer fixed-rate lending and borrowing features to their users without building lending infrastructure from scratch.
Think of it as: Stripe for fixed-rate lending. Integrate our API, offer lending products to your users, earn revenue share.

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Why Credit Kit?

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The Challenge for Fintechs

Building lending infrastructure requires:
  • Regulatory compliance expertise
  • Liquidity management
  • Credit risk systems
  • Smart contract development
  • Ongoing maintenance
Most fintechs lack resources for this complexity.

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The Solution

Ready-Made Infrastructure

Battle-tested lending protocol ready for integration

White-Label

Your branding, your UX, our infrastructure

Revenue Share

Earn fees on lending activity you enable

Compliance Support

Built-in compliance features and documentation

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Use Cases

Scenario: Digital bank wants to offer fixed-rate savingsIntegration:
  • User deposits funds through neobank app
  • Credit Kit deploys to Centuari fixed-rate
  • User earns predictable yield
  • Neobank earns fee share
User Experience: “Open a 6-month fixed savings account at 7% APY”
Scenario: Crypto wallet wants “Earn” featureIntegration:
  • User opts in to earn on idle balance
  • Credit Kit manages lending positions
  • Yield displayed in wallet UI
  • Wallet earns portion of yield
User Experience: “Your USDC is earning 8.2% APY”
Scenario: Treasury management platform for businessesIntegration:
  • Company deposits operating capital
  • Credit Kit creates diversified fixed-rate positions
  • Predictable returns for financial planning
  • Platform earns management fee
User Experience: “Deploy excess cash at fixed 6.5% for Q2”
Scenario: DeFi app wants to offer margin/borrowingIntegration:
  • User deposits collateral
  • Credit Kit enables fixed-rate borrowing
  • Predictable borrowing costs
  • App earns origination fee
User Experience: “Borrow up to $50,000 at fixed 8% for 90 days”

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Integration Options

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API Integration

Full control via RESTful API: 
import { CreditKit } from '@centuari/credit-kit';

const client = new CreditKit({
  apiKey: 'ck_live_...',
  partnerId: 'your-partner-id'
});

// Create lending position for your user
const position = await client.lend({
  userId: 'user_123',
  asset: 'USDC',
  amount: '10000',
  rate: 0.08,
  maturity: '2025-06-01'
});

console.log(position);
// {
//   positionId: 'pos_abc123',
//   status: 'active',
//   rate: 0.08,
//   maturity: '2025-06-01',
//   cbtAmount: '9259.26',
//   projectedReturn: '10000.00'
// }

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SDK Integration

TypeScript/JavaScript SDK for faster development: 
// Initialize
const creditKit = new CreditKit({ apiKey: '...' });

// Lend with Easy Mode (auto-optimized)
await creditKit.easyLend({
  userId: 'user_123',
  amount: '10000',
  asset: 'USDC'
});

// Borrow with collateral
await creditKit.borrow({
  userId: 'user_456',
  collateral: { asset: 'ETH', amount: '5' },
  borrowAsset: 'USDC',
  borrowAmount: '8000',
  maturity: '90d'
});

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Webhooks

Real-time notifications for position events: 
{
  "event": "position.matched",
  "timestamp": "2025-03-15T14:32:00Z",
  "data": {
    "positionId": "pos_abc123",
    "userId": "user_123",
    "type": "lend",
    "amount": "10000",
    "rate": 0.078,
    "maturity": "2025-06-15"
  }
}

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Features

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Core Lending

FeatureDescription
Fixed-Rate LendCreate lending positions at fixed rates
Fixed-Rate BorrowEnable borrowing with collateral
Position ManagementView, modify, close positions
Auto FeaturesAuto-rollover, auto-refinance

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User Management

FeatureDescription
User WalletsManaged wallets per user
KYC IntegrationConnect your KYC provider
LimitsPer-user and aggregate limits
ReportingUser-level transaction history

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Compliance

FeatureDescription
Transaction MonitoringAML/CFT screening
ReportingRegulatory report generation
Audit TrailComplete activity logging
Geographic ControlsCountry-based restrictions

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Revenue Model

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Fee Share

Partners earn a share of protocol fees:
TierVolume (Monthly)Partner Share
Starter< $1M20%
Growth1M−1M - 10M30%
Scale10M−10M - 100M40%
Enterprise> $100MCustom
Example:
  • Your users lend $5M (Growth tier)
  • Average 8% APY, 90-day positions
  • Protocol fee: 0.1% of interest = $1,000
  • Your share (30%): $300/quarter

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Custom Pricing

Enterprise partners can negotiate:
  • Higher revenue share
  • Custom fee structures
  • Dedicated support
  • White-glove integration

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Getting Started

1

Apply for Access

Submit partner application with:
  • Company information
  • Use case description
  • Expected volume
  • Integration timeline
2

Integration Setup

  • Receive API credentials
  • Access sandbox environment
  • Review documentation
  • Technical onboarding call
3

Development

  • Build integration using SDK/API
  • Test in sandbox
  • Compliance review
4

Launch

  • Production credentials
  • Go-live support
  • Ongoing partnership

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Sandbox Environment

Full-featured test environment:
FeatureSandboxProduction
API Access✅✅
Test Tokens✅❌
Real Funds❌✅
Rate LimitsRelaxedStandard
Data Persistence30 daysPermanent
// Sandbox client
const sandbox = new CreditKit({
  apiKey: 'ck_test_...',
  environment: 'sandbox'
});

// Use test tokens
await sandbox.lend({
  userId: 'test_user',
  amount: '100000',
  asset: 'USDC' // Test USDC
});

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Support

Documentation

Comprehensive API reference and guides

Developer Support

Dedicated technical support channel

Integration Help

Code review and architecture guidance

Partner Success

Ongoing partnership management

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FAQs

No. Credit Kit is fully white-label. Users see your branding and interface. Centuari operates invisibly in the background.
You maintain your existing compliance obligations. Credit Kit provides tools to support compliance but doesn’t replace your compliance program.
Yes. Set custom rate ranges, maturities, limits, and features for your users.
User funds are held in non-custodial smart contracts. Credit Kit doesn’t custody funds, neither do you.

API Reference

Complete API documentation

SDK Guide

TypeScript SDK documentation

Apply for Credit Kit Access

Start your partner application