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General

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.
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.
Centuari aggregates liquidity from Ethereum, Polygon, Optimism, Base, and more. All execution happens on Arbitrum (the “home chain”).
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.

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Lending

1 USD equivalent (1 USDC, 1 USDT, or 1 DAI).
Currently USDC, USDT, and DAI. More stablecoins (EURC, JPYC) coming soon.
At maturity, your CBT tokens are redeemable for principal + interest. With auto-rollover, your position automatically extends.
Yes! Sell your CBT tokens on the order book anytime. No collateral required, just find a buyer.
Your funds earn yield through Idle Yield Router while waiting. You can also cancel anytime at no cost.

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Borrowing

Crypto (ETH, wBTC, stablecoins) and tokenized RWA (stocks, bonds, gold). See full list in collateral documentation.
Depends on your collateral and each asset’s LTV ratio. ETH at 80% LTV means 10,000ETHcollateral=10,000 ETH collateral = 8,000 max borrow.
With auto-refinance: loan automatically extends. Without: you must repay or face liquidation.
Yes, if your Health Factor drops below 1 (collateral value drops). Fixed rates protect you from rate-spike liquidations but not price drops.
Yes. Early repayment is allowed anytime with no penalty. You pay principal + interest accrued to date.

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CBT (Centuari Bond Token)

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.
CBT works like a Zero Coupon Bond — you purchase at a discount and each CBT is worth $1 at maturity. The extra CBT represents your fixed interest. See full CBT documentation.
Yes! CBT is tradeable. Sell on Centuari’s order book or any DEX with liquidity.
CBT is a bearer asset. Whoever holds it can redeem at maturity. Keep your wallet secure.

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Vaults

Vaults are managed pools where curators handle strategy. Deposit and earn returns without managing positions yourself.
No. Vault contracts are non-custodial. Curators can only deploy within defined rules, never withdraw user funds.
Request withdrawal anytime. If vault has liquidity, instant. If not, you enter a queue until positions mature.

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Security

Yes. Multiple third-party audits completed before mainnet. Reports available on the security page.
Yes. Protocol insurance fund covers bad debt. Users can also purchase external coverage via Nexus Mutual.
Protocol insurance fund provides first-line coverage. Bug bounty program incentivizes responsible disclosure.

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Technical

Centuari uses Privy for flexible authentication:
  • Wallets: MetaMask, Coinbase Wallet, WalletConnect, Rabby
  • Social: Google, Twitter/X, Discord
  • Email: Passwordless email login
You can use whichever method is most convenient for you.
Deposit from any supported chain. Assets bridge to Arbitrum where all matching happens. Withdraw to any chain.
Yes. Full REST API and TypeScript SDK available for developers.

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