Overview
Centuari’s RWA Collateral system allows users to borrow against tokenized real-world assets, stocks, bonds, ETFs, commodities, and more. Bridge your traditional wealth into DeFi without selling your positions.53% of surveyed users want to use real-world assets as collateral. RWA Collateral makes this possible, unlocking billions in traditional assets for DeFi lending.
Why RWA Collateral?
The Problem
Most DeFi users have significant wealth outside of crypto:- Stock portfolios
- Bond holdings
- Real estate
- Retirement accounts
- Sell traditional assets (triggering taxes, losing exposure)
- Move funds to crypto
- Then participate in DeFi
The Solution
No Selling Required
Keep your stock exposure while borrowing against it
Tax Efficiency
Borrowing isn’t a taxable event (consult your advisor)
Diversified Collateral
Mix crypto and RWA in your collateral basket
Traditional Security
Assets held with regulated custodians
Supported Asset Types
- Equities
- Fixed Income
- Commodities
- Coming Soon
Tokenized stocks from major exchanges:
LTV Range: 60-70%
How It Works
1
Own Tokenized Assets
Hold supported RWA tokens in your wallet (purchased from issuers like Backed, Ondo, etc.)
2
Deposit as Collateral
Deposit RWA tokens into Centuari’s collateral manager
3
Borrow Stablecoins
Borrow USDC/USDT at fixed rates against your RWA collateral
4
Maintain Position
Monitor health factor; add collateral if needed
5
Repay & Withdraw
Repay loan to unlock your RWA tokens
Example: Borrowing Against Stocks
Scenario: You hold $100,000 in AAPL.t (tokenized Apple stock) and need liquidity.Risk Parameters
LTV by Asset Class
Liquidation Thresholds
Price Feeds
RWA prices are sourced from:Primary: Chainlink
Real-time price feeds from Chainlink oracles
Backup: TWAP
Time-weighted average prices as fallback
Market Hours Consideration
Traditional markets have limited hours:- US markets: 9:30 AM - 4:00 PM ET
- After hours: Prices may be stale
- During market hours: Real-time prices
- After hours: Last closing price with volatility buffer
- Weekends: Friday close with additional margin required
Custody & Security
Where are my RWA tokens held?
Where are my RWA tokens held?
Deposited into Centuari’s smart contract, secured by the same audited infrastructure as crypto collateral.
Who backs the tokenized assets?
Who backs the tokenized assets?
Each RWA token has its own issuer with their own custody and redemption process:
- Backed Assets: Securities held at regulated brokers
- Ondo Finance: US Treasuries held at qualified custodians
- Paxos: Gold held in London vaults
What if the token issuer fails?
What if the token issuer fails?
RWA token issuer risk exists. Centuari mitigates by:
- Only supporting regulated, audited issuers
- Conservative LTV ratios
- Monitoring issuer health
Mixed Collateral Baskets
Combine crypto and RWA in a single collateral position:Getting RWA Tokens
To use RWA collateral, you first need tokenized assets:Note: RWA token eligibility varies by jurisdiction. Some are restricted to accredited investors or exclude US persons.
FAQs
Can US residents use RWA collateral?
Can US residents use RWA collateral?
Depends on the specific token. Some (like PAXG) are available to US residents. Others (like Backed securities) exclude US persons. Check issuer requirements.
What happens during a stock market crash?
What happens during a stock market crash?
Same as crypto collateral, if value drops below liquidation threshold, position is liquidated. Conservative LTV ratios provide buffer.
Can I receive dividends while collateral is deposited?
Can I receive dividends while collateral is deposited?
Dividend handling varies by token issuer. Some accrue to your position, others don’t distribute during lock. Check specific token documentation.
Are there additional fees for RWA collateral?
Are there additional fees for RWA collateral?
No additional Centuari fees. However, RWA tokens may have their own management fees (typically 0.2-0.5% annually).
Centuari will support more local and global real-world assets over time to fulfill our vision of bridging traditional finance and DeFi.
Risk Parameters
Detailed risk parameters by asset