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Overview

Don’t want to manage positions yourself? Deposit into a Mutual Fund Vault and let experienced curators optimize your fixed-rate exposure.

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Why Use Vaults?

Professional Management

Curators with proven track records handle strategy

Diversification

Exposure across multiple positions and maturities

Hands-Off

No active management required

Liquid

Withdraw anytime (subject to vault liquidity)

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Choosing a Vault

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Vault Types

TypeStrategyRiskTarget APY
Fixed Rate FocusPure Centuari fixed-rateLow6-10%
Yield OptimizedMulti-protocol yieldMedium8-15%
RWA EnhancedFixed-rate + RWALow-Med7-12%

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Key Metrics

When comparing vaults, consider:
MetricWhat to Look For
APY (30d)Recent performance
Historical APYLonger track record
TVLLarger = more confidence
Liquidity RatioHigher = easier withdrawals
Curator StakeMore skin in game

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Depositing to a Vault

1

Browse Vaults

View available vaults at app-staging.centuari.finance/vaults
2

Compare

Review performance, strategy, and fees for each
3

Select

Click on your chosen vault
4

Enter Amount

Specify deposit amount (no minimum for most vaults)
5

Review Fees

See management and performance fee structure
6

Confirm

Sign transaction to deposit
7

Receive Shares

Get vault shares representing your ownership

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Vault Shares

When you deposit, you receive vault shares: 
Deposit: $10,000 USDC
Share Price: $1.05
Shares Received: 9,523.81

Your ownership: 9,523.81 / Total Shares = X%
As the vault earns yield, share price increases.

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Tracking Performance

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Dashboard View

Your Vault Position:
├── Vault: Steady Yield
├── Shares: 9,523.81
├── Share Price: $1.07 (↑1.9% since deposit)
├── Current Value: $10,190
├── Deposited: $10,000
├── Profit: $190
└── APY (since deposit): 7.6%

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Historical Performance

View vault’s track record:
  • Daily/weekly/monthly returns
  • Drawdown history
  • Comparison to benchmarks

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Withdrawing

1

Access Position

Go to your vault position
2

Click Withdraw

Enter amount (all or partial)
3

Check Liquidity

See available liquidity and any queue
4

Confirm

Sign withdrawal transaction
5

Receive Funds

Get stablecoins (immediate if liquidity available)

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Withdrawal Queue

If vault is fully deployed:
  • Your withdrawal enters a queue
  • Fulfilled as positions mature
  • Estimated wait time shown
  • Can cancel queue position
Check vault’s liquidity ratio before depositing. Higher ratio = easier withdrawals.

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Fees

Fee TypeTypical RangeWhen Charged
Management0.5-2% annuallyContinuously
Performance10-20% of profitAt profit realization
Withdrawal0-0.5%On withdrawal
Example:
  • Vault earns 10% APY
  • 1% management fee
  • 20% performance fee (above 5% hurdle)
  • Net to you: 10% - 1% - (10%-5%)×20% = 8%

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Comparing Vaults vs Direct Lending

AspectDirect LendingVault
ControlFullCurator manages
EffortActive managementHands-off
DiversificationYou buildBuilt-in
FeesProtocol onlyProtocol + curator
Rate optimizationYou decideCurator optimizes

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Best For

Vaults are ideal if you:
  • Don’t want to actively manage positions
  • Prefer professional management
  • Want built-in diversification
  • Are okay with curator fees for convenience
Direct lending is better if you:
  • Want maximum control
  • Have specific rate/maturity needs
  • Prefer minimizing fees
  • Enjoy active management

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FAQs

Yes, if underlying positions lose value. Choose conservative vaults and verified curators to minimize risk.
No. Vault contracts are non-custodial. Curators can only deploy within defined parameters.
Match vault strategy to your risk tolerance. Start with Fixed Rate Focus for lowest risk.
Yes. Diversify across vaults with different strategies.

Browse Vaults

View and compare available vaults