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Overview

This guide covers the mechanics of borrowing on Centuari, from placing orders to managing active loans.

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Placing a Borrow Order

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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

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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 loan term (7-365 days)
5

Configure Auto-Refinance

Enable/disable automatic loan renewal
6

Confirm

Submit order to book

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Order Matching

Your borrow order matches with lend orders: 
Your order: Borrow 10,000 USDC at max 8.5% for 90 days

Order Book (Lend orders):
  1. 5,000 USDC at 9.0% ← Won't match (above your max)
  2. 8,000 USDC at 8.5% ← Matches (at your limit)
  3. 10,000 USDC at 8.0% ← Matches (below your limit)

Result: You borrow at weighted average rate

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Borrowing Power

Your maximum borrow depends on collateral: 
Borrowing Power = Σ (Collateral Value × LTV)

Example:
  5 ETH @ $2,000 × 80% LTV = $8,000
  + 10,000 USDC × 90% LTV = $9,000
  Total Borrowing Power = $17,000

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Current Limits

CollateralLTV$10,000 Value Enables
ETH80%$8,000 borrow
wBTC75%$7,500 borrow
USDC90%$9,000 borrow
Stocks65%$6,500 borrow
Gold70%$7,000 borrow

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Interest Calculation

Fixed interest calculated at loan creation: 
Interest = Principal × Rate × Time

Example: $10,000 at 8% for 90 days
Interest = $10,000 × 0.08 × (90/365) = $197.26
Total Due at Maturity = $10,197.26
Interest compounds if you auto-refinance (added to principal).

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Managing Your Loan

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Position Dashboard

View all loan details:
  • Principal and rate
  • Accrued interest
  • Maturity date
  • Health factor
  • Auto-refinance status

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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

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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

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Repayment

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Full Repayment

1

Access Position

Go to loan in dashboard
2

Click 'Repay'

See total amount due
3

Confirm

Loan closed, collateral unlocked

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Partial Repayment

Reduce loan balance: 
Original Loan: $10,000
Partial Repay: $3,000
New Balance: $7,000

Benefits:
- Lower interest going forward
- Improved health factor
- More withdrawable collateral

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Early Repayment

No penalty for repaying before maturity. You pay:
  • Principal
  • Accrued interest to date

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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

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Interest Rate Comparison

ScenarioVariable RateFixed Rate (Centuari)
Normal market5-8%7-9%
High demand15-25%7-9% (locked)
Rate spike event50%+7-9% (locked)
The premium for fixed rates protects you from spikes.

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FAQs

Fixed rate includes a premium for rate certainty. Lenders want compensation for committing to a rate. This premium protects you from spikes.
With auto-refinance, yes, automatically. Without, create a new loan and repay the old one.
Enable auto-refinance to automatically extend. Otherwise, you have a grace period before liquidation.
Yes. You can borrow USDC, USDT, or DAI against your collateral.