Centuari
Fixed Rate Lending, RWA, and Payments.
Demo
About
The problem it solves Elevator Pitch Video: https://youtu.be/cJj2OQ2XL3U Demo Video: https://youtu.be/AJD6FqHx_Ag **Most major lending protocols** today rely on **variable interest rates**. While still being widely used by the users, these rates are **volatile**, **unpredictable**, and expose both lenders and borrowers to **unnecessary risks**. Users often face **sudden spikes** in borrowing costs or drops in lending yields, yet they still continue to use these platforms because there are **no accessible, scalable fixed-rate alternatives**. **Centuari** solves this by building an **onchain fixed-rate lending platform** at its core, giving users the stability and predictability that traditional finance (TradFi) users expect. Beyond just “another lending protocol,” our vision is to **bridge TradFi through DeFi innovation**: - **Mutual Fund Vaults** to simplify diversified, yield-generating investments. - **Real World Assets (RWA) as collateral**, unlocking trillions in off-chain value. - **Credit payments and cross-chain support**, expanding financial access globally. - **Seamless on-ramp and off-ramp integrations**, making it easy for TradFi users to onboard into DeFi. By combining **fixed-rate lending** with these innovations, Centuari makes DeFi safer, more predictable, and accessible to both crypto-native users and newcomers from TradFi. Our founding team of three co-founders brings the expertise to execute this vision: - **CEO**, built $10M+ in quant market making on Major NFT Marketplace in Solana. - **CTO**, IT Lead at BCA, one of Indonesia’s largest banks, with deep TradFi tech expertise. - **COO**, Y-Combinator W22 alumni, led a DeFi app reaching $10M+ TVL. And we’re already proving traction not just some ideation: - **1,000+ signups** on our waitlist (https://centuari.finance) - **MVP fully audited and ready** - **Supported by Base Indonesia and IDRX** - **Active community presence**, with **120k+ organic** X engagements and a growing Discord community around 200+ members For more details, please refer to our [Pitch Deck](https://drive.google.com/file/d/1VuKCOhT-isTAy-MN3hJvPLZIWMOqs7tm/view) Smart Contract Address(es) **MARKET_MANAGER** [0xf1aB2643d45610dFB53733B0b2e08341EF6D76b2](https://base.blockscout.com/address/0xf1aB2643d45610dFB53733B0b2e08341EF6D76b2) **ORACLE_MANAGER** [0xaf953b5dA28DD83D27C821553b1D1009Af495e9f](https://base.blockscout.com/address/0xaf953b5dA28DD83D27C821553b1D1009Af495e9f) **RISK_MANAGER** [0xcF9E4094D06a9451B67882c2CF2251221d96B62d](https://base.blockscout.com/address/0xcF9E4094D06a9451B67882c2CF2251221d96B62d) **CENTUARI_CLOB** [0xCF820a52B5bBa2CCD5f79a16D5EE5f624B5573AD](https://base.blockscout.com/address/0xCF820a52B5bBa2CCD5f79a16D5EE5f624B5573AD) **CENTUARI_CLOB_ORDER_GROUP_MANAGER** [0xE92fc3F01dC4427F380f20AC4F3107D679863906](https://base.blockscout.com/address/0xE92fc3F01dC4427F380f20AC4F3107D679863906) **CENTUARI** [0x28700DB1F40ed5DDe7C9A3f77d5Df52892814078](https://base.blockscout.com/address/0x28700DB1F40ed5DDe7C9A3f77d5Df52892814078) **FEE_MANAGER** [0xfF53D43E35Cdf49643e67F80913198495c172EcE](https://base.blockscout.com/address/0xfF53D43E35Cdf49643e67F80913198495c172EcE) Other Onchain Proof **CENTUARI_CLOB** [0xCF820a52B5bBa2CCD5f79a16D5EE5f624B5573AD](https://base.blockscout.com/address/0xCF820a52B5bBa2CCD5f79a16D5EE5f624B5573AD) **CENTUARI** [0x28700DB1F40ed5DDe7C9A3f77d5Df52892814078](https://base.blockscout.com/address/0x28700DB1F40ed5DDe7C9A3f77d5Df52892814078)
How it's made
Challenges we ran into One of the biggest challenges we faced early on was **liquidity**. A lending protocol without liquidity cannot function effectively, but we were able to address this hurdle quickly thanks to the strong support of **Base Indonesia**, who helped us bootstrap and grow confidence with future initial liquidity base. Another challenge has been securing **Liquidity Providers (LPs) and Risk Curators** to help manage volatility in blockchain assets. This is critical for ensuring stability and predictable outcomes for our users. With the support of Base Indonesia, we have already started approaching and onboarding LPs and Risk Curators to strengthen this aspect of the protocol. For our **Mutual Fund Vaults**, the main challenge lies in identifying the right curators who can manage and structure diversified portfolios effectively. Development is already underway, and we are actively engaging with potential curators to ensure that the vaults are both competitive and sustainable. Finally, building **partnerships with RWA (Real World Assets) providers and credit payment partners** has been another key hurdle. However we are already planned to start in emerging Southeast Asian markets, beginning with **Indonesia**, we are currently in discussions to secure the right partnerships that will allow us to bridge TradFi with DeFi in a compliant and scalable way.