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Overview

Lenders supply capital to Centuari and earn fixed interest rates. Your position is tokenized as CBT (Centuari Bond Token), which can be held to maturity or traded for early exit.

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Prerequisites

Before you begin, you’ll need:

Login Method

Wallet, social login, or email (via Privy)

Stablecoins

USDC, USDT, or DAI on any supported chain

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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 Login:
  • 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

Select Asset

Choose which stablecoin to lend:
  • USDC: Most liquid, highest adoption
  • USDT: Alternative USD stablecoin
  • DAI: Decentralized option
Selecting asset to lend
3

Enter Amount

Specify how much to lend (minimum 1 USD equivalent).Your available balance displays automatically based on connected wallet.
4

Choose Mode

Recommended for beginners
  • One click to lend
  • Rate automatically optimized
  • Auto-rollover enabled
Perfect if you want “set and forget” fixed-rate exposure.
5

Confirm & Sign

Review your order and sign the transaction.
Gasless: Centuari covers gas fees. You only sign, no ETH needed for gas.
6

Receive CBT

Once your order matches, you receive CBT tokens representing your position.
Receiving CBT tokens after order match

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Understanding Your Position

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CBT Tokens

When you lend, you receive CBT (Centuari Bond Token):
ConceptExplanation
What is CBT?Tokenized lending position
How does it work?You receive more CBT than your deposit (at discount price), each worth $1 at maturity
ExampleLend 10,000at1010,000 at 10% for 1 year → receive 11,000 CBT → redeem for 11,000

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Position Dashboard

Your dashboard shows:
  • Current Value: CBT quantity × current price
  • Rate: Your locked fixed rate
  • Maturity: When position matures
  • Accrued Interest: Interest earned so far
  • Auto Rollover: Status (on/off)

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What Happens at Maturity?

Your position automatically extends:
  1. Original position matures
  2. New lend order placed at market rate
  3. New CBT issued
  4. Continuous earning with no action
Best for: Users wanting continuous exposure

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Example: First Lend

Let’s walk through a complete example: Your goal: Lend $10,000 USDC for approximately 90 days
1

Connect & Navigate

  • Connect wallet with 10,000 USDC
  • Click “Lend” on dashboard
2

Configure (Easy Mode)

  • Select USDC
  • Enter 10,000
  • Click “Lend” (Easy Mode default)
3

Review

System shows:
  • Estimated rate: 7.8% APY
  • Maturity: ~90 days
  • Auto rollover: Enabled
  • Projected return: ~$195
4

Sign

Sign the gasless transaction
5

Wait for Match

Order enters book. Usually matches within minutes to hours.
6

Position Active

  • Receive 10,195 CBT (more than deposit, at ~$0.98 each)
  • Each CBT worth $1 at maturity
  • Position now earning 7.8% fixed
  • View in dashboard

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Tips for New Lenders

Easy Mode handles rate optimization and auto features. Great way to learn without complexity.
You receive more CBT than you deposited, each priced at a discount. The CBT price rises toward $1 as maturity approaches - that’s your interest accruing.
Know when your position matures. Decide ahead of time: auto rollover or withdraw?
Consider spreading across multiple maturities for regular liquidity.

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Next Steps

Supply Capital

Deep dive into lending mechanics

Trade Positions

Learn about early exit options

Vault Allocation

Explore managed vault options

Yield Optimization

Advanced strategies for maximizing returns

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FAQs

1 USD equivalent (1 USDC, 1 USDT, or 1 DAI).
Depends on market conditions. Easy Mode optimizes for quick matching. In normal conditions, minutes to hours.
Yes. Unmatched orders can be cancelled anytime at no cost.
Sell your CBT on the order book. See Trade Positions.

Start Lending

Launch the app and earn fixed yields