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Fixed rate lending overview showing order book matching between lenders and borrowers

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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.

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Core Features

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Gasless Transactions

No gas fees for users. Confirm your order and we handle the rest.

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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.

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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

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Two Ways to Trade

FeatureEasy ModeAdvanced Mode
Rate selectionAuto-optimizedYou choose exact rate
MaturityNext available datePredetermined dates (1st of month)
Auto rolloverOn by defaultOff by default
Auto refinanceOn by defaultOff by default
Order book visibilityHiddenFull access
Partial fill controlAutomaticManual

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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.
Rate optimization: Easy Mode scans the order book and matches you at the best available rate, balancing rate vs time-to-fill.

Auto Rollover

Automatic position extension for lenders

Auto Refinance

Automatic loan renewal for borrowers

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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

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Understanding the Order Book

═══════════════════════════════════════════════════════════
                  USDC / MATURING JUNE 1
═══════════════════════════════════════════════════════════
  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%
═══════════════════════════════════════════════════════════

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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

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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

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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

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How Matching Works

Centuari uses a hybrid order book model. Orders are matched using price-time priority:
  1. Best rates match first
  2. Among equal rates, earlier orders match first
  3. 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.
Orders are placed and matched off-chain at zero gas cost. Only deposits, withdrawals, and settlement happen on-chain (Arbitrum) at very low cost. See full gas breakdown.

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Supported Assets

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Lending/Borrowing

AssetStatusMin Order
USDC✅ Live1 USDC
USDT✅ Live1 USDT
DAI✅ Live1 DAI
EURC🔜 Soon-
JPYC🔜 Soon-

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Collateral

Multiple crypto and RWA collateral types are supported with varying LTV ratios. See all collateral types and parameters.

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Protocol Parameters

ParameterValue
Maturity datesPredetermined (1st of each month)
Active maturitiesMaximum 3 at any time
Minimum order size1 USD equivalent
Protocol fee0.1% of interest
Liquidation penalty5%

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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

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Get Started

Lender Guide

Start earning fixed yields

Borrower Guide

Borrow at predictable rates