Overview
Don’t want to manage positions yourself? Deposit into a Mutual Fund Vault and let experienced curators optimize your fixed-rate exposure.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)
Choosing a Vault
Vault Types
Key Metrics
When comparing vaults, consider: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
Vault Shares
When you deposit, you receive vault shares:Tracking Performance
Dashboard View
Historical Performance
View vault’s track record:- Daily/weekly/monthly returns
- Drawdown history
- Comparison to benchmarks
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)
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.
Fees
Example:
- Vault earns 10% APY
- 1% management fee
- 20% performance fee (above 5% hurdle)
- Net to you: 10% - 1% - (10%-5%)×20% = 8%
Comparing Vaults vs Direct Lending
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
- Want maximum control
- Have specific rate/maturity needs
- Prefer minimizing fees
- Enjoy active management
FAQs
Can I lose money in a vault?
Can I lose money in a vault?
Yes, if underlying positions lose value. Choose conservative vaults and verified curators to minimize risk.
Can curators steal my funds?
Can curators steal my funds?
No. Vault contracts are non-custodial. Curators can only deploy within defined parameters.
How do I choose the right vault?
How do I choose the right vault?
Match vault strategy to your risk tolerance. Start with Fixed Rate Focus for lowest risk.
Can I be in multiple vaults?
Can I be in multiple vaults?
Yes. Diversify across vaults with different strategies.
Browse Vaults
View and compare available vaults