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 the first fixed-rate lending protocol on Base, providing users with predictable, stable, and transparent yields. Our mission is to make stable yield simple and reliable for everyone from normies to experienced native crypto users.

With Centuari, users can:

• Lock in guaranteed fixed returns on their deposits without worrying about market volatility.
• Borrow at predictable, fixed interest rates, making financial planning easier and safer.
• Enjoy a retail-first experience, with a frictionless UI/UX designed for everyday users, not just crypto experts.
• Onboard effortlessly through social logins, deposit with Google Pay or Apple Pay, and even pay gas fees in stablecoins removing the need for native gas tokens.

By combining ease of use, transparent yields, and fixed-rate predictability, Centuari aims to bridge the gap between traditional finance and decentralized finance empowering everyone to earn stable returns without complexity.

One of the biggest challenges on lending protocol 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 lending protocol's moving part which is 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 discussed about onboarding plan for 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.

https://github.com/centuari-labs/

https://app.centuari.finance

Centuari is building the first fixed-rate lending protocol on Base, designed to make stable yield simple, transparent, and accessible to everyone. We are focused on retail users, creating an intuitive and effortless UI/UX that anyone can use with ease.

Our platform offers seamless onboarding, allowing users to connect through their social media accounts, deposit funds via Google Pay or Apple Pay, and even cover gas fees using their own stablecoins eliminating the need for native gas tokens altogether.

By the next several months, we will build three incoming supported features on top of our fixed-rate lending protocol:

1. Secondary Market: creating secondary market to provide early-exit access for the lender through secondary liquidity.
2. Mutual Fund Vault Marketplace + RWA Integration: professional curators manage on-chain fixed income portfolios, connecting retail liquidity with tokenized T-Bills and bonds. This will bring massive liquidity to the fixed rate lending protocol.
3. Payments Layer: users can spend yield directly for payroll, settlements, or cross-border payments, turning DeFi yield into real financial utility.

Centuari is bridging the gap between DeFi and real-world finance bringing fixed-rate yield to the next billion users.

And we’re already proving traction not just some ideation:

• 1,200+ signups on our waitlist (https://centuari.finance)
• MVP fully audited and ready
• Supported by Base Indonesia even Base Global Country Lead and IDRX
• Supported by Ethereum Foundation Founder Success
• Active community presence, with 120k+ organic X engagements and a growing Discord community around 200+ members

Retail DeFi Users (Primary)
Crypto-native individuals who actively use lending protocols such as Aave, Morpho, or Fluid. They seek predictable yield, simple UX, and transparency, often frustrated by volatile APYs and complex DeFi interfaces.

Institutional Participants (Secondary)
Funds, DAOs, and treasuries seeking on-chain fixed income products with transparent and low risk profiles and consistent yield.

Mainstream Retail (Future)
In 2 years, Centuari will expand beyond crypto-native users by targeting tradfi and fintech-savvy retail audiences through mutual funds vault, RWA as collateral, mobile-first UX and fiat on/off-ramps, bridging the gap between DeFi and traditional savings behavior.

Evidence of Demand
The demand for stable, predictable on-chain yield has accelerated rapidly, driven by the convergence of retail interest, institutional experimentation, and real-world capital moving on-chain.

a. Market Validation (Macro Level)

• Lending protocols now hold over $80.2B in TVL, representing one of the fastest-growing verticals in DeFi.
• The stablecoin market has surpassed $252B, signaling massive liquidity demand for low-volatility, yield-bearing assets. (tambahin majority di ethereum)
• Leading protocols like Fluid, Morpho, and Moonwell recorded 5 - 10x revenue and user growth during 2024 - 2025, proving rising demand for fixed-yield and efficient lending models.
• The success of Loopscale which reached $88.11M total volume and $31M active loans in under one year further validates the scalability of fixed-rate lending primitives across ecosystems. This datas are strengthen by the growing blockchain adoption in the TradFi industry.

b. User Behavior & Pain Point Validation

• Retail DeFi users increasingly suffer from “yield volatility fatigue” unpredictable APYs, liquidity fragmentation, and complex interfaces across existing protocols.
• Surveys and user analytics show a clear behavioral pivot toward predictable yield, low-friction UX, and transparency.
• Protocols emphasizing UX simplicity, such as Fluid and Moonwell, have reached >100K MAU, showing users prioritize simple and easy to use UX.
• The next wave of DeFi users especially in Asia are mobile-first retail users seeking familiar financial experiences with fiat on/off-ramps.

c. Early Traction & Institutional Validation

• Centuari has demonstrated clear market pull even in pre-launch phase:
  1,200+ users joined the waitlist within the first month, signaling strong organic interest in fixed-rate DeFi products.
• Backed and supported by Base Global Leader and Ethereum Foundation Founder Success, validating both technical credibility and ecosystem alignment.
• Ongoing discussions with potential ecosystem partners and early communities across Base further confirm appetite for Centuari’s product direction.
  Internal beta feedback highlights a significant UX advantage, with early users rating Centuari’s flow as “simpler and more transparent” compared to Aave or Compound.

d. Comparative Proof (Proxy Validation)

• Fluid achieved $13.6M in cumulative revenue and 147K monthly active users within two years, underscoring the scalability of user-friendly lending experiences.
• Moonwell expanded its TVL from $15M to $400M in just 12 months, driven primarily by retail demand within the Base ecosystem.
• Loopscale on Solana reached $100M+ TVL within one year, confirming a big demand for predictable and fixed-rate yield solutions.

Closest Competitors

Loopscale (Solana) - https://loopscale.finance
A fixed-rate lending protocol with CLOB-style matching that achieved $88M+ total volume within a year. Its focus lies in high-capital-efficiency lending and support for liquid-staking assets rather than multi-ecosystem fixed-yield expansion.
Fluid - https://www.fluid.xyz
A user-friendly lending protocol emphasizing simple UX and retail accessibility. Fluid offers partial fixed-rate vaults but remains limited to selected assets and short-term tenors.

How Centuari is Different

1. Fixed-Rate Predictability with CLOB Matching
While most competitors rely on variable rates or pool-based lending, Centuari introduces a Central-Limit-Order-Book (CLOB) system for fixed-term lending. This ensures predictable yield for lenders and stable borrowing costs for borrowers solving DeFi’s biggest pain point: APY volatility.
2. UX Simplicity for Retail, Infrastructure Depth for Institutions
Centuari is built for retail first, offering an intuitive UX with clear yield terms and “earn-with-certainty” messaging. Yet beneath this, it features an institution-grade architecture with vaults, curator layers, and API access that treasuries, funds, and RWA platforms can plug into bridging retail usability and institutional scalability.
3. Multi-Phase Adoption Flywheel
Most protocols grow via token incentives. Centuari instead builds a phased growth engine from Base ecosystem traction -> gamified waitlists and referral launches -> SDK/API integrations -> mobile app + fiat on/off-ramps. This creates sustainable, compounding TVL growth without high emission dependency.
4. Mutual-Fund-Style Vaults & RWA Integration
Unlike existing lending markets that only support crypto-native collateral, Centuari’s roadmap introduces curator-managed mutual fund vaults and RWA-backed borrowing. This brings TradFi-grade diversification and long-term yield consistency into on-chain lending.
5. Deep Ecosystem Alignment
Centuari is supported by Base Global Leaders and the Ethereum Foundation, aligning with leading Layer-2 infrastructure. This gives Centuari a strong network effect and credibility within Ethereum’s scaling roadmap unlike any isolated-chain competitors.