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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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Two Ways to Participate

Easy Mode

One-click simplicityOptimized rates, auto rollover/refinance, perfect for hands-off users

Advanced Mode

Full controlCustom rates, custom maturities, toggle auto features

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Core Features

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Gasless Transactions

No gas fees for users. Sign your transaction and we handle the rest.

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Cross-Chain by Default

  1. Deposit assets on your preferred chain
  2. Liquidity bridges to Arbitrum automatically
  3. Orders match on Arbitrum’s order book
  4. Withdraw to any supported chain

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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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For Lenders

1

Choose Your Mode

Easy Mode for optimized rates, Advanced Mode for custom control
2

Select Asset & Amount

Choose your stablecoin and how much to lend
3

Set Terms (Advanced)

In Advanced Mode, specify your rate and maturity
4

Receive CBT

Get CBT tokens representing your position
5

At Maturity

Receive principal + interest (or auto-rollover continues)

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Auto Rollover

When enabled, your lending position automatically extends at maturity:
  • New position created at current market rate
  • No action required from you
  • Opt-out anytime before maturity

Auto Rollover Details

Learn more about automatic position extension

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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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For Borrowers

1

Choose Your Mode

Easy Mode for optimized rates, Advanced Mode for custom control
2

Deposit Collateral

Crypto or RWA collateral accepted
3

Set Terms (Advanced)

In Advanced Mode, specify your rate and maturity
4

Receive Loan

Borrowed assets sent to your wallet
5

At Maturity

Repay loan (or auto-refinance continues)

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Auto Refinance

When enabled, your loan automatically rolls at maturity:
  • New loan created at best available rate
  • No action required from you
  • Opt-out anytime before maturity

Auto Refinance Details

Learn more about automatic loan refinancing

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How Matching Works

Centuari uses a hybrid order book model where lenders and borrowers post their desired terms: 
LEND ORDERS (Asks)              BORROW ORDERS (Bids)
────────────────                ─────────────────────
10,000 USDC @ 8.5% / 90d        15,000 USDC @ 7.5% / 90d
25,000 USDC @ 8.0% / 90d  ←→   20,000 USDC @ 8.0% / 90d  ✓ MATCH
5,000 USDC @ 7.5% / 90d         10,000 USDC @ 8.5% / 90d
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

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Hybrid Orderbook Architecture

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.
ComponentWhereGas Cost
Place/Cancel OrdersOff-chainFree
Order MatchingOff-chainFree
Deposit/WithdrawOn-chain (Arbitrum)Very low (~$0.10)
SettlementOn-chain (Arbitrum)Very low

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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

AssetLTVLiquidation Threshold
ETH80%85%
wBTC75%80%
USDC90%95%
RWAVariesVaries

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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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Security

Audited

Multiple third-party security audits

Insured

Protocol insurance coverage available

Security Details

Review our complete security documentation

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Get Started

Lender Guide

Start earning fixed yields

Borrower Guide

Borrow at predictable rates