> ## Documentation Index
> Fetch the complete documentation index at: https://docs-staging.centuari.finance/llms.txt
> Use this file to discover all available pages before exploring further.

# FAQ

> Frequently asked questions about Centuari

## General

<AccordionGroup>
  <Accordion title="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.
  </Accordion>

  <Accordion title="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.
  </Accordion>

  <Accordion title="What chains does Centuari support?">
    Centuari aggregates liquidity from Ethereum, Polygon, Optimism, Base, and more. All execution happens on Arbitrum (the "home chain").
  </Accordion>

  <Accordion title="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.
  </Accordion>
</AccordionGroup>

## Lending

<AccordionGroup>
  <Accordion title="What's the minimum to lend?">
    1 USD equivalent (1 USDC, 1 USDT, or 1 DAI).
  </Accordion>

  <Accordion title="What assets can I lend?">
    Currently USDC, USDT, and DAI. More stablecoins (EURC, JPYC) coming soon.
  </Accordion>

  <Accordion title="How do I get my money back?">
    At maturity, your CBT tokens are redeemable for principal + interest. With auto-rollover, your position automatically extends.
  </Accordion>

  <Accordion title="Can I exit before maturity?">
    Yes! Sell your CBT tokens on the order book anytime. No collateral required, just find a buyer.
  </Accordion>

  <Accordion title="What if my order doesn't match?">
    Your funds earn yield through Idle Yield Router while waiting. You can also cancel anytime at no cost.
  </Accordion>
</AccordionGroup>

## Borrowing

<AccordionGroup>
  <Accordion title="What collateral is accepted?">
    Crypto (ETH, wBTC, stablecoins) and tokenized RWA (stocks, bonds, gold). See full list in collateral documentation.
  </Accordion>

  <Accordion title="What's the maximum I can borrow?">
    Depends on your collateral and each asset's LTV ratio. ETH at 80% LTV means $10,000 ETH collateral = $8,000 max borrow.
  </Accordion>

  <Accordion title="What happens at maturity?">
    With auto-refinance: loan automatically extends. Without: you must repay or face liquidation.
  </Accordion>

  <Accordion title="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.
  </Accordion>

  <Accordion title="Can I repay early?">
    Yes. Early repayment is allowed anytime with no penalty. You pay principal + interest accrued to date.
  </Accordion>
</AccordionGroup>

## CBT (Centuari Bond Token)

<AccordionGroup>
  <Accordion title="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.
  </Accordion>

  <Accordion title="Why do I receive more CBT than I deposited?">
    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](/products/fixed-rate/cbt).
  </Accordion>

  <Accordion title="Can I sell my CBT?">
    Yes! CBT is tradeable. Sell on Centuari's order book or any DEX with liquidity.
  </Accordion>

  <Accordion title="What if I lose my CBT?">
    CBT is a bearer asset. Whoever holds it can redeem at maturity. Keep your wallet secure.
  </Accordion>
</AccordionGroup>

## Vaults

<AccordionGroup>
  <Accordion title="What are vaults?">
    Vaults are managed pools where curators handle strategy. Deposit and earn returns without managing positions yourself.
  </Accordion>

  <Accordion title="Can curators steal my money?">
    No. Vault contracts are non-custodial. Curators can only deploy within defined rules, never withdraw user funds.
  </Accordion>

  <Accordion title="How do I withdraw from a vault?">
    Request withdrawal anytime. If vault has liquidity, instant. If not, you enter a queue until positions mature.
  </Accordion>
</AccordionGroup>

## Security

<AccordionGroup>
  <Accordion title="Is Centuari audited?">
    Yes. Multiple third-party audits completed before mainnet. Reports available on the security page.
  </Accordion>

  <Accordion title="Is there insurance?">
    Yes. Protocol insurance fund covers bad debt. Users can also purchase external coverage via Nexus Mutual.
  </Accordion>

  <Accordion title="What if there's a hack?">
    Protocol insurance fund provides first-line coverage. Bug bounty program incentivizes responsible disclosure.
  </Accordion>
</AccordionGroup>

## Technical

<AccordionGroup>
  <Accordion title="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

    You can use whichever method is most convenient for you.
  </Accordion>

  <Accordion title="How does cross-chain work?">
    Deposit from any supported chain. Assets bridge to Arbitrum where all matching happens. Withdraw to any chain.
  </Accordion>

  <Accordion title="Is there an API?">
    Yes. Full REST API and TypeScript SDK available for developers.
  </Accordion>
</AccordionGroup>

## Still Have Questions?

<CardGroup cols={2}>
  <Card title="X" icon="x-twitter" href="https://x.com/CentuariLabs">
    Reach out on X
  </Card>

  <Card title="Support" icon="headset" href="mailto:support@centuari.io">
    Contact support
  </Card>
</CardGroup>