Sentora OUSD Main on Tempo
V2A Morpho V2 vault on Tempo that lends out OUSD deposits, curated by Sentora. Depositors earn 3.60% a year right now after a 0% performance fee.
Data from Morpho's API · updated
Net APY
3.60%
incl. 3.60% in rewards
30-day APY
<0.01%
7-day <0.01%, from the share price
Deposits
$45.37M
45.27M OUSD
Withdrawable now
$45.36M
100% of deposits
Performance fee
0%
of the interest earned
Depositors
92
largest holds 55.1%
Sentora OUSD Main APY history
Net APY earned each day, from the vault's share price: after fees, without token rewards
| Day | Deposits | Net APY |
|---|
Deposits over time
Where the money goes
The markets this vault lends to right now, largest first
| Market | Lent | Share |
|---|---|---|
| cbBTC / OUSDLLTV 86% | $2.7K | <0.01% |
| Idle cashnot lent out | $42.68M | 100.0% |
The curator decides which markets the vault may use and how much it may put in each (the cap). Allocators then move money between those markets within the caps. How vaults work.
What the loans are backed by
Share of this vault's lending by the collateral borrowers put up
| cbBTC | 100.0% |
|---|
Returns over time
Net APY actually earned over each period, from the share price: after fees, without token rewards
| Last day | 0.00% |
|---|---|
| Last 7 days | <0.01% |
| Last 30 days | <0.01% |
Who controls this vault
| Curator | Sentora |
|---|---|
| Owner | 0xe8C9…80081-of-1 multisig |
| Timelock to raise a cap | 3 dayswait before more can go into a market |
| Timelock to add an adapter | 3 dayswait before a new kind of investment |
| Timelock to raise fees | None |
| Allocators | 3addresses that move money between markets |
| Sentinels | 1can pull money back or cut caps in an emergency |
| Created | October 2, 2026 |
Timelocks give depositors time to leave before a change they dislike takes effect. Morpho risks explained.
Details
| Deposit asset | OUSDprice $1.0022 |
|---|---|
| Vault version | Morpho Vault V2 |
| APY before fees | 0.00% |
| Rewards | OUSD 3.60% |
| Vault contract | 0x0D13…df48 |
| OUSD token | 0x20c0…74BE |
| Network | Tempo |
The curator's description: "Sentora Vault provides superior risk-adjusted returns by lending against top-tier Bitcoin wrappers with strong risk management."
Largest depositors
92 addresses hold shares in this vault
| Address | Deposit | Share of vault |
|---|---|---|
| 0xF3B9…7a6f | $24.98M | 55.1% |
| 0x0391…26a0 | $17.57M | 38.7% |
| 0xB9b9…d5D4 | $14.7K | 0.0% |
| 0xBE1F…C229 | $12.5K | 0.0% |
| 0x9BB0…3D9e | $10.1K | 0.0% |
| 0x8E64…8EDF | $10.0K | 0.0% |
| 0xA163…AABE | $10.0K | 0.0% |
| 0xB014…a3ae | $7.0K | 0.0% |
| 0xe475…eDE9 | $5.0K | 0.0% |
| 0x4459…4882 | $5.0K | 0.0% |
When a few addresses hold most of a vault, one large withdrawal can use up the liquidity that is free right now.
About Sentora OUSD Main
Sentora OUSD Main is a Morpho V2 vault on Tempo, created on October 2, 2026. It takes OUSD deposits and lends them to borrowers in 1 Morpho market. The curator, Sentora, decides which markets it may use and how much can go into each.
It holds $45.37M (45.27M OUSD) from 92 depositors and pays a net APY of 3.60% after its 0% performance fee. Over the last 30 days depositors actually earned 0.00% a year. About 3.60% of today's rate comes from OUSD rewards, which can stop at any time.
Its largest position is cbBTC / OUSD at <0.01% of its deposits. 100% sits idle, not lent out. Counting every market, its loans are backed mainly by cbBTC (100%). 100% of deposits could be withdrawn right now.
Adding a market or raising how much can go into one waits behind a timelock of 3 days, which gives depositors time to leave first. The owner is a 1-of-1 multisig wallet. Morpho's app shows no warnings for this vault.
Sentora OUSD Main: quick answers
What is the APY of Sentora OUSD Main on Tempo?
Sentora OUSD Main pays 3.60% net APY right now, after its fees and including 3.60% of rewards. Measured from the growth of its share price, it paid 0.00% over the last 30 days. The rate changes every day with what its borrowers pay.
What does Sentora OUSD Main lend against?
It lends OUSD through 1 Morpho market. The biggest is cbBTC / OUSD with <0.01% of its deposits. 100% sits idle. Overall its loans are backed mainly by cbBTC (100%).
Can I withdraw from Sentora OUSD Main right now?
Yes: all of its $45.37M in deposits could be withdrawn immediately, because the markets it lends to have enough unborrowed OUSD left. That can change quickly when borrowing picks up.
Who runs Sentora OUSD Main and what does it charge?
Sentora curates it. It keeps 0% of the interest earned as a performance fee. The net APY shown is after these fees.
What are the risks of Sentora OUSD Main?
Like every Morpho vault, it can lose money if a borrower's collateral crashes faster than it can be liquidated, if a price oracle fails, or through a smart contract bug. Withdrawals can wait when its markets are fully borrowed. Adding a market or raising a cap waits behind a timelock of 3 days. This is not advice.
Other OUSD vaults
The same deposit asset, other curators and networks
| Vault | Net APY |
|---|---|
| Tempo EarnV2Gauntlet · Tempo · $200K | 3.60%incl. 3.60% rewards |
