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Animation showing tokenized stocks and bonds being deposited as collateral for a loan

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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.

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Why RWA Collateral?

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The Problem

Most DeFi users have significant wealth outside of crypto:
  • Stock portfolios
  • Bond holdings
  • Real estate
  • Retirement accounts
To access DeFi yields, they must:
  1. Sell traditional assets (triggering taxes, losing exposure)
  2. Move funds to crypto
  3. Then participate in DeFi
This is friction that prevents mass adoption.

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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

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Supported Asset Types

Tokenized stocks from major exchanges:
AssetTokenIssuer
Apple Inc.AAPL.tBacked Asset
Tesla Inc.TSLA.tBacked Asset
S&P 500 ETFSPY.tBacked Asset
Nasdaq ETFQQQ.tBacked Asset
LTV Range: 60-70%

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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

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Example: Borrowing Against Stocks

Scenario: You hold $100,000 in AAPL.t (tokenized Apple stock) and need liquidity. 
Collateral Deposit:
  Asset: AAPL.t
  Value: $100,000
  LTV: 65%

Maximum Borrow: $65,000 USDC

You Borrow: $50,000 USDC at 7.5% APY for 90 days
  Health Factor: 2.0 (healthy)
  Fixed Interest: ~$925

At Maturity:
  Repay: $50,925
  Receive: $100,000 AAPL.t back
  Net: Kept Apple exposure, paid ~$925 for 90-day liquidity

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Risk Parameters

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LTV by Asset Class

Asset ClassMax LTVReasoning
US Treasuries85%Lowest volatility, highest quality
Investment Grade Bonds75%Low volatility, high quality
Gold70%Moderate volatility, safe haven
Blue Chip Stocks65%Higher volatility, high liquidity
Growth Stocks60%High volatility
ETFs60-70%Depends on underlying

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Liquidation Thresholds

Asset ClassLiquidation Threshold
US Treasuries90%
Investment Grade Bonds82%
Gold78%
Blue Chip Stocks75%
Growth Stocks70%
Liquidation Example: If you borrow 65,000against65,000 against 100,000 AAPL.t (65% LTV), and AAPL drops 15%, your collateral is worth 85,000.At7585,000. At 75% liquidation threshold (63,750), you’d be liquidatable.

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Price Feeds

RWA prices are sourced from:

Primary: Chainlink

Real-time price feeds from Chainlink oracles

Backup: TWAP

Time-weighted average prices as fallback

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Market Hours Consideration

Traditional markets have limited hours:
  • US markets: 9:30 AM - 4:00 PM ET
  • After hours: Prices may be stale
Protocol handling:
  • During market hours: Real-time prices
  • After hours: Last closing price with volatility buffer
  • Weekends: Friday close with additional margin required

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Custody & Security

Deposited into Centuari’s smart contract, secured by the same audited infrastructure as crypto collateral.
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
RWA token issuer risk exists. Centuari mitigates by:
  • Only supporting regulated, audited issuers
  • Conservative LTV ratios
  • Monitoring issuer health

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Mixed Collateral Baskets

Combine crypto and RWA in a single collateral position: 
Collateral Basket:
  - $30,000 ETH (LTV 80%) = $24,000 borrowing power
  - $50,000 AAPL.t (LTV 65%) = $32,500 borrowing power
  - $20,000 PAXG (LTV 70%) = $14,000 borrowing power

Total Borrowing Power: $70,500 USDC

Benefit: Diversified collateral reduces single-asset risk

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Getting RWA Tokens

To use RWA collateral, you first need tokenized assets:
IssuerAssetsEligibilityLink
BackedStocks, ETFsGlobal (non-US)backed.fi
OndoUS TreasuriesAccredited USondo.finance
PaxosGoldGlobalpaxos.com
Note: RWA token eligibility varies by jurisdiction. Some are restricted to accredited investors or exclude US persons.

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FAQs

Depends on the specific token. Some (like PAXG) are available to US residents. Others (like Backed securities) exclude US persons. Check issuer requirements.
Same as crypto collateral, if value drops below liquidation threshold, position is liquidated. Conservative LTV ratios provide buffer.
Dividend handling varies by token issuer. Some accrue to your position, others don’t distribute during lock. Check specific token documentation.
No additional Centuari fees. However, RWA tokens may have their own management fees (typically 0.2-0.5% annually).

Supported Assets

View complete list of supported RWA tokens

Risk Parameters

Detailed risk parameters by asset