Overview
Borrowers on Centuari lock in fixed borrowing rates, eliminating the volatility risk of variable-rate protocols. Know your exact costs from day one.Why Fixed-Rate Borrowing?
Predictable Costs
Know exact interest expense upfront
No Rate Spikes
Immune to market rate increases
Financial Planning
Budget with certainty
Reduced Liquidation Risk
No surprise rate-driven liquidations
Prerequisites
Login Method
Wallet, social login, or email (via Privy)
Collateral
Supported crypto or RWA assets
Quick Start
1
Login
Visit app-staging.centuari.finance and login using any of these methods:
- Wallets: MetaMask, Coinbase Wallet, WalletConnect, Rabby
- Social: Google, Twitter/X, Discord
- Email: Passwordless email login
Centuari uses Privy for authentication, giving you flexible login options whether you prefer wallets or social accounts.
2
Deposit Collateral
Deposit supported assets as collateral:
- Crypto: ETH, wBTC, USDC
- RWA: Tokenized stocks, bonds, gold
3
See Borrowing Power
Dashboard shows how much you can borrow based on:
- Collateral value
- Asset LTV ratios
- Current health factor
4
Choose Mode
- Easy Mode
- Advanced Mode
Recommended for beginners
- One-click borrow
- Rate optimized automatically
- Auto-refinance enabled
5
Enter Borrow Amount
Specify how much to borrow (within your limit)
6
Confirm
Review terms and confirm your order
7
Receive Funds
Borrowed stablecoins sent to your wallet
Understanding Your Position
Key Metrics
Health Factor
What Happens at Maturity?
- Auto-Refinance ON
- Auto-Refinance OFF
Loan automatically extends:
- Interest settled
- New loan created at best market rate
- Collateral remains locked
- Seamless continuation
Example: First Borrow
Goal: Borrow $5,000 USDC using ETH as collateral1
Deposit Collateral
- Deposit 3 ETH (worth ~$7,500)
- Borrowing power: ~$5,625 (75% LTV)
2
Configure (Easy Mode)
- Click “Borrow”
- Enter 5,000 USDC
- Click “Borrow” (Easy Mode)
3
Review Terms
System shows:
- Rate: 8.2% APY (fixed)
- Maturity: June 1
- Auto-refinance: Enabled
- Interest at maturity: ~$101
4
Confirm
Confirm your order
5
Position Active
- 5,000 USDC in your wallet
- 3 ETH locked as collateral
- Fixed 8.2% rate locked in
Supported Collateral
See all collateral types and parameters.
Tips for New Borrowers
Don't max out your borrowing power
Don't max out your borrowing power
Leave buffer for price drops. 50-70% utilization is safer than 90%+.
Monitor your health factor
Monitor your health factor
Set alerts for when it drops below 1.3. Add collateral proactively.
Plan for maturity
Plan for maturity
Know whether you’ll repay or auto-refinance. Don’t be caught off guard.
Consider fixed vs variable
Consider fixed vs variable
Fixed rates may be higher than current variable, but you’re protected from spikes.
Next Steps
Borrow Fixed
Deep dive into borrowing mechanics
Collateral Types
Understand collateral options
Refinancing
Learn about position management
Liquidation
Understand and avoid liquidation
FAQs
What's the minimum borrow?
What's the minimum borrow?
1 USD equivalent minimum.
Can I repay early?
Can I repay early?
Yes. Early repayment is allowed anytime with no penalty.
What if my collateral drops in value?
What if my collateral drops in value?
Health factor decreases. Add collateral or repay some loan to stay safe.
Are borrowing rates higher than variable?
Are borrowing rates higher than variable?
Sometimes. You pay a premium for rate certainty. But you’re protected from spikes that cause 80% of liquidations.
Start Borrowing
Launch the app and borrow at fixed rates