Centrifuge
Blockchain platforms
Blockchain software
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What is Centrifuge
Centrifuge is a blockchain-based platform focused on tokenizing real-world assets and enabling on-chain financing workflows. It is used by asset originators, issuers, and investors to create asset-backed pools and facilitate lending or investment using digital tokens. The product combines smart contracts with integrations to off-chain legal and operational processes to support structured finance use cases.
Real-world asset focus
The platform is designed around tokenizing invoices, receivables, and other real-world assets rather than general-purpose dApp hosting. This specialization supports structured finance workflows such as asset pools and on-chain credit facilities. For teams evaluating blockchain platforms, this can reduce the amount of custom design needed for RWA financing compared with more generic infrastructure offerings.
On-chain financing workflows
Centrifuge supports mechanisms for creating pools and enabling investors to fund asset-backed positions through smart-contract-based processes. This aligns with use cases where transparency of pool composition and cash-flow logic matters. It is oriented toward operationalizing financing rather than only providing node access or generic blockchain APIs.
Ecosystem and protocol approach
Centrifuge operates with a protocol-style model that can be integrated into broader Web3 stacks. This can help organizations that want composability with wallets, custody, and DeFi-style liquidity sources. The approach is distinct from fully managed enterprise blockchain suites that emphasize vendor-managed infrastructure.
Narrower than general platforms
Organizations seeking a broad enterprise blockchain platform (multi-network management, extensive admin tooling, and generalized application hosting) may find Centrifuge less aligned. Its core value centers on RWA tokenization and financing constructs. Teams may still need additional infrastructure components for node operations, monitoring, and multi-chain orchestration depending on deployment needs.
Regulatory and legal complexity
Real-world asset tokenization typically requires legal structuring, compliance checks, and operational controls that sit outside the software itself. Implementations often depend on jurisdiction-specific requirements and third-party service providers. This can increase time-to-production compared with purely on-chain applications.
Integration and data dependencies
RWA use cases require reliable off-chain data, servicing, and reporting to keep on-chain representations accurate. Building and maintaining these integrations can be non-trivial, especially for legacy finance systems. The platform does not eliminate the need for strong data governance and reconciliation processes.
Plan & Pricing
Pricing model: Pay-as-you-go (platform fees charged as an annual percentage of pool value; billed monthly)
Free tier: Pools under $10,000,000 incur a 0.00% platform fee (free tier for small pools).
Platform fees (annual % of pool value) — tiers (as published in Centrifuge governance CP143):
- < $10M (Free Tier): 0.00% (Rating A / B / C / Not Rated)
- $10M - $50M: Rating A 0.50% | Rating B 0.75% | Rating C 1.00% | Not Rated 1.25%
- $50M - $250M: Rating A 0.40% | Rating B 0.60% | Rating C 0.80% | Not Rated 1.00%
- $250M - $500M: Rating A 0.30% | Rating B 0.45% | Rating C 0.60% | Not Rated 0.75%
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$500M: Rating A 0.20% | Rating B 0.30% | Rating C 0.40% | Not Rated 0.50%
Defaulted pools (annual % of pool value):
- $10M - $50M: 2.00%
- $50M - $250M: 1.50%
- $250M - $500M: 1.00%
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$500M: 0.75%
- Defaulted pools under $10M remain free.
Exit / Transfer fee (investor-level): 0.25% of transaction value; Minimum $50; Maximum $5,000.
Other notes / governance context (official sources):
- Fees are charged to asset originators / pool managers and are encoded/displayed on Centrifuge tooling; protocol fees and fee structure are subject to governance (several governance proposals and motions define or modify fees, e.g., CP143, CP151, CP162).
