Overview
This guide covers the mechanics of borrowing on Centuari, from placing orders to managing active loans.Placing a Borrow Order
Easy Mode
1
Ensure Collateral
Deposit or confirm existing collateral
2
Enter Amount
Specify borrow amount (within limit)
3
Review
See optimized rate and terms
4
Confirm
One-click to borrow
Advanced Mode
1
Ensure Collateral
Deposit or confirm existing collateral
2
Enter Amount
Specify borrow amount
3
Set Max Rate
Enter maximum rate you’ll accept
Lower rate = longer wait. Check order book for current supply.
4
Choose Maturity
Select from available maturity dates (1st of each month)
5
Configure Auto-Refinance
Enable/disable automatic loan renewal
6
Confirm
Submit order to book
Order Matching
Your borrow order matches with lend orders:Borrowing Power
Your maximum borrow depends on collateral:Current Limits
Interest Calculation
Fixed interest calculated at loan creation:Managing Your Loan
Position Dashboard
View all loan details:- Principal and rate
- Accrued interest
- Maturity date
- Health factor
- Auto-refinance status
Adding Collateral
Increase your safety margin:1
Access Position
Go to loan in dashboard
2
Click 'Add Collateral'
Select asset and amount
3
Confirm
Collateral added, health factor improves
Withdrawing Collateral
If health factor allows:1
Access Position
Go to loan in dashboard
2
Click 'Withdraw Collateral'
See max withdrawable amount
3
Enter Amount
Specify amount (must maintain health factor >1)
4
Confirm
Collateral sent to wallet
Repayment
Full Repayment
1
Access Position
Go to loan in dashboard
2
Click 'Repay'
See total amount due
3
Confirm
Loan closed, collateral unlocked
Partial Repayment
Reduce loan balance:Early Repayment
No penalty for repaying before maturity. You pay:- Principal
- Accrued interest to date
Cross-Chain Borrowing
Borrow from any supported chain:1
Select Source Chain
Where your collateral is
2
Deposit Collateral
Collateral bridges to Arbitrum
3
Borrow
Place order on Arbitrum
4
Receive Funds
Choose destination chain for borrowed funds
Interest Rate Comparison
Fixed rates may carry a small premium over current variable rates, but protect you from rate spikes that cause 80% of DeFi liquidations. See why fixed rates matter.FAQs
Why is fixed rate higher than current variable?
Why is fixed rate higher than current variable?
Fixed rate includes a premium for rate certainty. Lenders want compensation for committing to a rate. This premium protects you from spikes.
Can I extend my loan?
Can I extend my loan?
With auto-refinance, yes, automatically. Without, create a new loan and repay the old one.
What if I can't repay at maturity?
What if I can't repay at maturity?
Enable auto-refinance to automatically extend. Otherwise, you have a grace period before liquidation.
Can I borrow different stablecoins?
Can I borrow different stablecoins?
Yes. You can borrow USDC, USDT, or DAI against your collateral.