Skip to main content

​
Overview

Centuari accepts both crypto assets and tokenized real-world assets (RWA) as collateral. Each has different risk parameters.

​
Crypto Collateral

​
ETH (Ether)

ParameterValue
Max LTV80%
Liquidation Threshold85%
Liquidation Penalty5%
Best for: Long-term ETH holders who want liquidity without selling

​
wBTC (Wrapped Bitcoin)

ParameterValue
Max LTV75%
Liquidation Threshold80%
Liquidation Penalty5%
Best for: BTC holders seeking stablecoin liquidity

​
Stablecoins (USDC, USDT)

ParameterValue
Max LTV90%
Liquidation Threshold95%
Liquidation Penalty3%
Best for: Stablecoin holders wanting leverage or cross-currency borrowing

​
stETH (Lido Staked ETH)

ParameterValue
Max LTV75%
Liquidation Threshold80%
Liquidation Penalty5%
Best for: Stakers who want to keep earning staking rewards while borrowing

​
RWA Collateral

​
Tokenized Equities

Asset TypeMax LTVLiquidationExample
Large Cap65%75%AAPL.t, MSFT.t
ETFs70%78%SPY.t, QQQ.t
Best for: Stock holders who want DeFi liquidity without selling positions

​
Tokenized Treasuries

Asset TypeMax LTVLiquidationExample
T-Bills85%92%USDY, OUSG
Treasury ETFs78%85%TLT.t
Best for: Conservative investors seeking highest capital efficiency

​
Tokenized Gold

Asset TypeMax LTVLiquidationExample
Physical Gold70%78%PAXG, XAUT
Best for: Gold holders wanting USD liquidity while maintaining gold exposure

​
Collateral Comparison

CollateralMax LTVVolatilityLiquidityBest Use Case
ETH80%HighVery HighCrypto-native leverage
wBTC75%HighHighBTC liquidity
USDC90%Very LowVery HighCross-currency borrow
Treasuries85%Very LowHighMax efficiency
Stocks65%MediumMediumRWA leverage
Gold70%Low-MedMediumDiversified collateral

​
Mixed Collateral

Combine multiple assets in one position: 
Mixed Collateral Position:
├── 5 ETH ($10,000) @ 80% = $8,000
├── 0.5 wBTC ($15,000) @ 75% = $11,250
└── $5,000 USDC @ 90% = $4,500

Total Borrowing Power: $23,750
Benefits:
  • Diversification reduces single-asset risk
  • Optimize capital efficiency
  • Flexibility in collateral management

​
Adding Collateral

1

Access Position

Go to your borrowing position
2

Select Asset

Choose collateral asset to add
3

Enter Amount

Specify how much to deposit
4

Confirm

Collateral added to position

​
Swapping Collateral

Replace one collateral with another:
1

Withdraw Excess

If health factor allows, withdraw some collateral
2

Deposit New

Add different collateral type
Ensure health factor stays above 1 during swaps. Consider adding new collateral before removing old.

​
Collateral Valuation

​
Crypto Assets

  • Price Source: Chainlink oracles
  • Update Frequency: Every block or on deviation
  • 24/7 Pricing: Yes

​
RWA Assets

  • Price Source: Chainlink + issuer oracles
  • Update Frequency: Market hours real-time, after-hours at last close
  • Trading Hours Impact: LTV reduced after hours for volatility buffer

​
FAQs

Not currently. Only fungible tokens are supported.
You keep earning staking rewards while stETH is used as collateral.
Depends on the specific token. Some RWA tokens restrict US persons. Check token issuer requirements.
Stocks have trading hours, creating price gaps overnight and weekends. Lower LTV compensates for this uncertainty.

RWA Collateral Details

Learn more about using real-world assets