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Overview

Currency Abstraction simplifies multi-currency lending by automatically analyzing rates across all supported stablecoins and suggesting optimal strategies. For users who don’t want to manually compare EUR vs USD vs JPY rates, currency abstraction handles the complexity.
Think of it as: A smart assistant that finds the best fixed-rate opportunities across all currency markets, while respecting your preferences and risk tolerance.

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How It Works

1

Analyze Markets

System scans all supported currency markets in real-time:
  • Current rates for each stablecoin
  • Liquidity depth
  • Historical rate stability
2

Match Preferences

Considers your settings:
  • Acceptable currencies
  • FX risk tolerance
  • Minimum rate threshold
3

Recommend Strategy

Suggests optimal currency:
  • “Lend in EURC at 6.5% APY (vs 5.8% USDC)”
  • Shows FX considerations if cross-currency
4

Execute (Optional)

With permission, can auto-convert and deploy to recommended market

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User Preferences

Configure currency abstraction to match your needs:

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Currency Whitelist

Select which currencies you’re comfortable with: 
✅ USD (USDC, USDT, DAI)
✅ EUR (EURC)
☐ JPY (JPYC)
☐ GBP (GBPT)
Only whitelisted currencies will be considered in recommendations.

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FX Risk Tolerance

Setting: Same currency onlyOnly recommends opportunities in your base currency. If you hold USD, only USD options shown.Best for: Users who want zero currency exposure

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Minimum Rate Threshold

Set a floor rate below which you won’t participate: 
Minimum Rate: 5.0% APY
Recommendations will only include opportunities above this threshold.

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Recommendation Examples

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Example 1: USD Holder, Rate Optimization

Your situation:
  • Holding: 50,000 USDC
  • Settings: USD + EUR allowed, Low FX risk
Current markets:
CurrencyBest RateMaturity
USDC5.8% APY90 days
EURC6.5% APY90 days
Recommendation: 
💡 Recommended: Lend EURC at 6.5% APY

Expected return: $812 (vs $725 in USDC)
Additional yield: +$87 (+12%)

⚠️ FX Consideration:
- Requires conversion: USDC → EURC
- EUR/USD rate: 1.08
- Break-even: EUR can weaken 0.7% before USDC is better

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Example 2: Borrower, Minimize Cost

Your situation:
  • Need: 30,000 USD equivalent
  • Collateral: ETH
  • Settings: All major currencies
Current markets:
CurrencyBest RateUSD Equivalent
USDC7.2% APY$2,160/year
EURC5.5% APY$1,650/year
JPYC3.2% APY$960/year
Recommendation: 
💡 Recommended: Borrow JPYC at 3.2% APY

Interest savings vs USDC: $1,200/year

⚠️ FX Consideration:
- JPY has appreciated 5% vs USD this year
- If JPY strengthens 10%, savings reduced to $600
- Consider hedging if rate advantage is primary goal

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Auto-Execution Mode

With auto-execution enabled, currency abstraction can:
  1. Auto-Convert on Deposit
    • You deposit USDC
    • System identifies EURC has better rates
    • Converts USDC → EURC automatically
    • Places lend order in EURC market
  2. Auto-Convert on Withdrawal
    • Your EURC position matures
    • You want funds in USDC
    • Converts EURC → USDC automatically
    • Sends USDC to your wallet

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Safety Controls

Auto-execution has built-in safety limits:
ControlSetting
Max slippage0.5% (configurable)
Max single conversion50,000 USD equivalent
Rate improvement thresholdMust be 0.5%+ better to trigger
User notificationAlways notified of conversions

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Integration with Easy Mode

Currency abstraction is built into Easy Mode:
  • Easy Mode automatically considers multi-currency opportunities
  • If EURC has significantly better rates than USDC, Easy Mode will suggest it
  • User always confirms before any currency conversion
  • No additional configuration needed

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Advanced: API Access

Programmatic access to currency abstraction: 
import { Centuari } from '@centuari/sdk';

const client = new Centuari({ chainId: 42161 });

// Get optimal currency recommendation
const recommendation = await client.currencyAbstraction.recommend({
  action: 'lend',
  amount: 50000,
  baseCurrency: 'USD',
  allowedCurrencies: ['USD', 'EUR'],
  fxRiskTolerance: 'low',
  minRate: 0.05
});

console.log(recommendation);
// {
//   recommendedCurrency: 'EUR',
//   asset: 'EURC',
//   rate: 0.065,
//   maturity: '2025-06-01',
//   fxImpact: {
//     breakEvenMove: -0.007,
//     currentTrend: 'EUR strengthening'
//   }
// }

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Currency Conversion Mechanics

When currency abstraction triggers a conversion:
1

Quote Sourcing

Aggregates quotes from multiple DEXs (1inch, Paraswap, etc.)
2

Best Route Selection

Chooses route with lowest slippage and fees
3

Execution

Swaps through selected route
4

Deposit/Withdraw

Proceeds to intended action in target currency

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Fees

ComponentCost
DEX swap fee~0.1-0.3% (market dependent)
Centuari fee0% (no additional fee for conversion)
GasCovered by protocol (gasless)

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When Not to Use Currency Abstraction

Currency abstraction may not be ideal if:
  • You have specific currency requirements (e.g., EUR liabilities to match)
  • You’re highly sensitive to FX risk and rates don’t justify exposure
  • You need exact amounts and can’t tolerate conversion slippage
  • You’re operating under regulatory constraints requiring specific currencies
In these cases, disable auto-suggestions and manually select your currency.

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FAQs

Rate optimization is not guaranteed. FX movements can offset rate advantages. Always review FX considerations in recommendations.
Continuously for new orders. Existing positions are not changed, recommendations only apply to new capital deployment.
Dashboard shows past recommendations and actual outcomes, helping you calibrate trust in suggestions.
No. Currency conversions may have tax implications. Consult a tax professional for your jurisdiction.

Configure Currency Preferences

Set up your currency abstraction preferences