Borrow

1. Lenders post the fixed rate they want for 7, 30 or 90 days. Borrowers post the most they will pay and their collateral.
2. When a borrow bid meets a lend offer, the loan is fixed at the rate already on the book and runs to maturity.
3. While a lend offer waits, its funds sit in one configured Kamino reserve for that market and earn its supply rate.
4. A borrow offer that is not matched by its expiry can switch to a variable loan on Project 0 in one tap, or simply lapse. Kamino follows.
5. Borrowers' collateral is held as yield-bearing Kamino tokens, so it earns the supply rate while the offer waits and while the loan runs. That yield stays with the borrower.

No offers are accepted yet. Funds move only after the centaurus-fixed program passes an external audit and its upgrade authority sits with a Squads multisig.