Overview
Centuari’s Fixed Rate Lending is the core product that enables predictable yields for lenders and predictable costs for borrowers. All transactions are gasless and cross-chain by default.Key Innovation: Unlike variable-rate protocols where rates change constantly, Centuari locks in your rate at the moment of execution. Your 8% APY stays 8% APY, period.
Core Features
Gasless Transactions
No gas fees for users. Confirm your order and we handle the rest.Cross-Chain by Default
Deposit and withdraw on any supported chain. Liquidity bridges to Arbitrum automatically where orders are matched and settled. See cross-chain architecture details.Tokenized Positions (CBT)
When you lend, you receive Centuari Bond Tokens (CBT), tokenized representations of your lending position.Learn about CBT
Understand how CBT works and why it matters for composability
Two Ways to Trade
Easy Mode
Easy Mode is for users who want fixed-rate exposure without complexity. One click, predictable yields.1
Select Asset & Amount
Choose your stablecoin and how much to lend or borrow
2
One-Click Confirm
The protocol handles the rest: optimal rate selected, next available maturity date, auto features enabled by default
3
Position Active
Lenders receive CBT tokens. Borrowers receive stablecoins in their wallet. At maturity, positions auto-extend unless you opt out.
Auto Rollover
Automatic position extension for lenders
Auto Refinance
Automatic loan renewal for borrowers
Advanced Mode
Advanced Mode gives you complete control. Set your exact rate, choose your maturity, and decide whether to enable auto features.1
Select Asset & Amount
Choose your stablecoin and how much to lend or borrow
2
Set Your Rate
Enter your desired fixed APY. View the order book to see current bids, asks, and market depth.
3
Choose Maturity
Select from available predetermined maturity dates (1st of each month, up to 3 active)
4
Configure Auto Features
Toggle auto rollover (lenders) or auto refinance (borrowers) on or off
5
Submit Order
Your order enters the book as a limit or market order
Understanding the Order Book
When to Use Each Mode
Use Easy Mode
- Want hands-off fixed-rate exposure
- Don’t want to monitor order books
- Comfortable with market-optimized rates
- Prefer automatic position management
Use Advanced Mode
- Need a specific rate (e.g., exactly 10%)
- Need a specific maturity date
- Want to see and interact with order book
- Building algorithmic or institutional strategies
Fees
Both modes share the same fee structure:- No gas fees: All order placement is gasless
- Protocol fee: 0.1% of interest earned/paid
- No premium: Easy Mode doesn’t cost extra
Early Exit
Don’t want to wait for maturity? CBT holders can exit early:- Limit order: Set your price and wait for a match
- Market order: Instant exit at current market rate
- No collateral required: CBT itself is your position
CBT Early Exit
Understand your early exit options
How Matching Works
Centuari uses a hybrid order book model. Orders are matched using price-time priority:- Best rates match first
- Among equal rates, earlier orders match first
- Partial fills are supported
Off-chain Orders, On-chain Settlement: Orders are stored and matched off-chain for speed and zero gas costs. Only settlement happens on Arbitrum for security.
Supported Assets
Lending/Borrowing
Collateral
Multiple crypto and RWA collateral types are supported with varying LTV ratios. See all collateral types and parameters.Protocol Parameters
Predetermined Maturity Dates
Centuari uses a rolling system of predetermined maturity dates:- All positions mature on the 1st of the month
- A maximum of 3 maturity dates are active at any time
- When the nearest maturity passes, a new one opens (auto-rotate)
- Example: If Jan 1, Feb 1, Mar 1 are active, after Jan 1 passes, Apr 1 opens
Get Started
Lender Guide
Start earning fixed yields
Borrower Guide
Borrow at predictable rates