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Overview

Borrowers on Centuari lock in fixed borrowing rates, eliminating the volatility risk of variable-rate protocols. Know your exact costs from day one.

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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

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Prerequisites

Login Method

Wallet, social login, or email (via Privy)

Collateral

Supported crypto or RWA assets

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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
Depositing collateral
3

See Borrowing Power

Dashboard shows how much you can borrow based on:
  • Collateral value
  • Asset LTV ratios
  • Current health factor
4

Choose 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
Receiving borrowed funds

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Understanding Your Position

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Key Metrics

MetricDescription
Borrowed AmountPrincipal you borrowed
Fixed RateYour locked borrowing APY
MaturityWhen loan is due
Collateral ValueCurrent value of deposited collateral
Health FactorSafety metric (>1 is safe, <1 is liquidatable)
Accrued InterestInterest owed so far

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Health Factor

Health Factor = Collateral Value / (Borrowed × Liquidation Threshold)
Keep health factor above 1.2 for safety margin. Below 1 = liquidation risk.
See full liquidation guide.

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What Happens at Maturity?

Loan automatically extends:
  1. Interest settled
  2. New loan created at best market rate
  3. Collateral remains locked
  4. Seamless continuation
Default in Easy Mode

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Example: First Borrow

Goal: Borrow $5,000 USDC using ETH as collateral
1

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

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Supported Collateral

AssetMax LTVLiquidation Threshold
ETH80%85%
wBTC75%80%
USDC90%95%
See all collateral types and parameters.

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Tips for New Borrowers

Leave buffer for price drops. 50-70% utilization is safer than 90%+.
Set alerts for when it drops below 1.3. Add collateral proactively.
Know whether you’ll repay or auto-refinance. Don’t be caught off guard.
Fixed rates may be higher than current variable, but you’re protected from spikes.

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Next Steps

Borrow Fixed

Deep dive into borrowing mechanics

Collateral Types

Understand collateral options

Refinancing

Learn about position management

Liquidation

Understand and avoid liquidation

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FAQs

1 USD equivalent minimum.
Yes. Early repayment is allowed anytime with no penalty.
Health factor decreases. Add collateral or repay some loan to stay safe.
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