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Advanced mode interface showing custom rate and maturity selection with order book depth

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Overview

Advanced Mode gives you complete control over your fixed-rate positions. Set your exact rate, choose your precise maturity, and decide whether to enable auto features.
Perfect for: Sophisticated users, institutions, and anyone who wants precise control over their lending/borrowing terms.

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Key Differences from Easy Mode

FeatureEasy ModeAdvanced Mode
Rate selectionAuto-optimizedYou choose exact rate
MaturityStandard (30-90 days)Any (7-365 days)
Auto rolloverOn by defaultOff by default
Auto refinanceOn by defaultOff by default
Order book visibilityHiddenFull access
Partial fill controlAutomaticManual

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For Lenders

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Placing a Lend Order

1

Select Asset

Choose which stablecoin to lend (USDC, USDT, DAI)
2

Enter Amount

Specify your lending amount (minimum 1 USD equivalent)
3

Set Your Rate

Enter your desired fixed APY (e.g., 8.5%)View the order book to see:
  • Current best bids (what borrowers are offering)
  • Market depth at various rate levels
  • Recent trade history
4

Choose Maturity

Select from available predetermined maturity dates (1st of each month)The system maintains up to 3 active maturities. Select based on:
  • How long you want to lock in your rate
  • Liquidity needs
  • Rate expectations for different terms
5

Configure Auto Features

Auto Rollover: Off by default
  • Enable if you want automatic position extension
  • Disable if you want manual control at maturity
6

Submit Order

Your order enters the order book and waits for a matching borrower

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Order Types

Specify your exact rate. Order sits in the book until matched.Best for: Getting your desired rate, not urgent fills

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Understanding the Order Book

═══════════════════════════════════════════════════════════
                    USDC / 90 DAY MARKET
═══════════════════════════════════════════════════════════
  LEND ORDERS (Asks)          │         BORROW ORDERS (Bids)
  ────────────────────────────│────────────────────────────
  $50,000 @ 9.0% APY          │         $30,000 @ 7.0% APY
  $25,000 @ 8.5% APY          │         $45,000 @ 7.5% APY
  $100,000 @ 8.0% APY    ◄────┼────►    $75,000 @ 8.0% APY
  ────────────────────────────│────────────────────────────
         Best Ask: 8.0%       │       Best Bid: 8.0%
═══════════════════════════════════════════════════════════
  • Spread: Difference between best ask and best bid
  • Depth: Total volume available at each price level
  • Your position: Where your order sits in the queue

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For Borrowers

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Placing a Borrow Order

1

Deposit Collateral

Deposit supported collateral (crypto or RWA)See your borrowing power based on:
  • Collateral value
  • Asset LTV ratios
  • Current health factor
2

Enter Borrow Amount

Specify how much to borrow (within your limit)
3

Set Your Rate

Enter the rate you’re willing to pay (e.g., 7.5%)View the order book to see:
  • Current best asks (what lenders are offering)
  • Market depth
  • Recent trade history
4

Choose Maturity

Select from available predetermined maturity dates (1st of each month)Consider:
  • How long you need the capital
  • Rate expectations (longer terms may have different rates)
  • Your repayment timeline
5

Configure Auto Features

Auto Refinance: Off by default
  • Enable if you want automatic loan extension
  • Disable if you plan to repay at maturity
6

Submit Order

Your order enters the order book and waits for a matching lender

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Collateral Management

Advanced Mode shows your complete collateral picture:
MetricDescription
Collateral ValueTotal USD value of deposited collateral
Borrowed AmountTotal outstanding loans
Health FactorCollateral / (Borrowed × Liquidation Threshold)
Available to BorrowRemaining borrowing capacity
Health Factor < 1 = Liquidation RiskMonitor your health factor. If it drops below 1, your position can be liquidated.

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Auto Features in Advanced Mode

Unlike Easy Mode, auto features are off by default in Advanced Mode.

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Enabling Auto Rollover (Lenders)

When enabled:
  1. At maturity, a new lend order is automatically placed
  2. Rate is set to current market rate (configurable)
  3. Same maturity period as original position
  4. New CBT issued for new position
Configuration options:
  • Rate tolerance: Accept rates within X% of market
  • Maturity: Same as original or specify new duration
  • Maximum rollovers: Limit automatic renewals

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Enabling Auto Refinance (Borrowers)

When enabled:
  1. At maturity, loan automatically renews
  2. Matches at best available rate
  3. Same loan amount continues
  4. Collateral remains locked
Configuration options:
  • Rate ceiling: Maximum rate you’ll accept
  • Maturity: Same as original or specify new duration
  • Collateral top-up threshold: Auto-add collateral if needed

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Order Management

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Modifying Orders

Before your order is matched:
  • Cancel: Remove order from book, funds returned
  • Modify rate: Change your desired rate
  • Modify amount: Increase or decrease order size

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Partial Fills

Orders can be partially filled:
  • Large orders may match with multiple counterparties
  • You receive CBT for each partial fill
  • Remaining unfilled portion stays in order book
Example:
  • You place 100,000 USDC lend order at 8%
  • 60,000 USDC matches immediately
  • 40,000 USDC remains as open order

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Advanced Strategies

Spread orders across multiple rates to improve fill probability:
  • 25,000 USDC @ 8.5% (aggressive)
  • 25,000 USDC @ 8.0% (market)
  • 25,000 USDC @ 7.5% (conservative)
  • 25,000 USDC @ 7.0% (patient)
Benefit: Balances immediate execution with rate optimization
Spread across different maturities for liquidity management:
  • 25,000 USDC for 30 days
  • 25,000 USDC for 60 days
  • 25,000 USDC for 90 days
  • 25,000 USDC for 180 days
Benefit: Regular liquidity events while maintaining exposure
Exploit rate differences across maturities:
  • If 30-day rates are higher than 90-day rates (inverted curve)
  • Consider shorter maturities with auto rollover
  • Capture higher short-term rates repeatedly
Benefit: Optimize returns based on term structure

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When to Use Advanced Mode

Use Advanced Mode

  • Need a specific rate (e.g., minimum 10%)
  • Need a specific maturity (e.g., exactly 180 days)
  • Want manual control over rollovers
  • Building algorithmic or institutional strategies
  • Want to see and interact with order book

Consider Easy Mode

  • Want hands-off fixed-rate exposure
  • Don’t care about exact rate (within reason)
  • Prefer automatic position management
  • New to fixed-rate lending

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API Access

Advanced Mode functionality is available via API for programmatic trading: 
import { Centuari } from '@centuari/sdk';

const client = new Centuari({ chainId: 42161 });

// Place advanced lend order
await client.lend({
  asset: 'USDC',
  amount: '100000',
  rate: 0.085,           // 8.5% APY
  maturity: '2025-06-01', // Specific date
  autoRollover: false,    // Manual control
  orderType: 'limit'
});

Developer Docs

See full API documentation

Try Advanced Mode

Launch the app and take control