General
What is Centuari?
What is Centuari?
Centuari is a decentralized fixed-rate lending protocol. Unlike traditional DeFi lending (Aave, Compound) where rates change constantly, Centuari lets you lock in your interest rate from day one.
Why fixed rates?
Why fixed rates?
Variable rates in DeFi can swing 78%+ in a single day. This makes financial planning impossible and causes 80% of liquidations. Fixed rates give you predictability, know exactly what you’ll earn or pay.
What chains does Centuari support?
What chains does Centuari support?
Centuari aggregates liquidity from Ethereum, Polygon, Optimism, Base, and more. All execution happens on Arbitrum (the “home chain”).
Are there gas fees?
Are there gas fees?
Placing, canceling, and modifying orders is gasless - these happen off-chain. Deposits and withdrawals require minimal gas (typically under $0.10 on Arbitrum). The protocol uses a hybrid architecture: off-chain orderbook for speed, on-chain settlement for security.
Lending
What's the minimum to lend?
What's the minimum to lend?
1 USD equivalent (1 USDC, 1 USDT, or 1 DAI).
What assets can I lend?
What assets can I lend?
Currently USDC, USDT, and DAI. More stablecoins (EURC, JPYC) coming soon.
How do I get my money back?
How do I get my money back?
At maturity, your CBT tokens are redeemable for principal + interest. With auto-rollover, your position automatically extends.
Can I exit before maturity?
Can I exit before maturity?
Yes! Sell your CBT tokens on the order book anytime. No collateral required, just find a buyer.
What if my order doesn't match?
What if my order doesn't match?
Your funds earn yield through Yield Router while waiting. You can also cancel anytime at no cost.
Borrowing
What collateral is accepted?
What collateral is accepted?
Crypto (ETH, wBTC, stablecoins) and tokenized RWA (stocks, bonds, gold). See full list in collateral documentation.
What's the maximum I can borrow?
What's the maximum I can borrow?
Depends on your collateral and each asset’s LTV ratio. ETH at 80% LTV means 8,000 max borrow.
What happens at maturity?
What happens at maturity?
With auto-refinance: loan automatically extends. Without: you must repay or face liquidation.
Can I be liquidated?
Can I be liquidated?
Yes, if your Health Factor drops below 1 (collateral value drops). Fixed rates protect you from rate-spike liquidations but not price drops.
Can I repay early?
Can I repay early?
Yes. Early repayment is allowed anytime with no penalty. You pay principal + interest accrued to date.
CBT (Centuari Bond Token)
What is CBT?
What is CBT?
CBT is a tokenized lending position. When you lend, you receive more CBT tokens than your deposit amount. Each CBT is worth exactly $1 at maturity - the extra tokens represent your fixed interest.
Why do I receive more CBT than I deposited?
Why do I receive more CBT than I deposited?
CBT works like a Zero Coupon Bond. You receive more tokens at a discount price (e.g., ~1 at maturity. For example: lend 10,000 USDC at 10% for 1 year → receive 11,000 CBT → redeem for $11,000 at maturity.
Can I sell my CBT?
Can I sell my CBT?
Yes! CBT is tradeable. Sell on Centuari’s order book or any DEX with liquidity.
What if I lose my CBT?
What if I lose my CBT?
CBT is a bearer asset. Whoever holds it can redeem at maturity. Keep your wallet secure.
Vaults
What are vaults?
What are vaults?
Vaults are managed pools where curators handle strategy. Deposit and earn returns without managing positions yourself.
Can curators steal my money?
Can curators steal my money?
No. Vault contracts are non-custodial. Curators can only deploy within defined rules, never withdraw user funds.
How do I withdraw from a vault?
How do I withdraw from a vault?
Request withdrawal anytime. If vault has liquidity, instant. If not, you enter a queue until positions mature.
Security
Is Centuari audited?
Is Centuari audited?
Yes. Multiple third-party audits completed before mainnet. Reports available on the security page.
Is there insurance?
Is there insurance?
Yes. Protocol insurance fund covers bad debt. Users can also purchase external coverage via Nexus Mutual.
What if there's a hack?
What if there's a hack?
Protocol insurance fund provides first-line coverage. Bug bounty program incentivizes responsible disclosure.
Technical
How do I login?
How do I login?
Centuari uses Privy for flexible authentication:
- Wallets: MetaMask, Coinbase Wallet, WalletConnect, Rabby
- Social: Google, Twitter/X, Discord
- Email: Passwordless email login
How does cross-chain work?
How does cross-chain work?
Deposit from any supported chain. Assets bridge to Arbitrum where all matching happens. Withdraw to any chain.
Is there an API?
Is there an API?
Yes. Full REST API and TypeScript SDK available for developers.