Sentora pathUSDV2
A Morpho V2 vault on Tempo that lends out pathUSD deposits, curated by Sentora. Depositors earn 3.50% a year right now after a 0% performance fee.
Data from Morpho's API · updated
Net APY
3.50%
incl. 3.46% in rewards
30-day APY
0.40%
7-day 0.21%
Deposits
$36.95M
36.71M pathUSD
Withdrawable now
$36.50M
99% of deposits
Performance fee
0%
of the interest earned
Depositors
1,283
largest holds 60.2%
Sentora pathUSD APY history
Net APY earned each day, measured from the vault's share price
| 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 / pathUSDLLTV 77% | $483K | 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
| Last day | 3.49% |
|---|---|
| Last 7 days | 0.21% |
| Last 30 days | 0.40% |
| Since the vault started | 491.39% |
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 | 2addresses that move money between markets |
| Sentinels | 2can pull money back or cut caps in an emergency |
| Created | May 6, 2026 |
Timelocks give depositors time to leave before a change they dislike takes effect. Morpho risks explained.
Details
| Deposit asset | pathUSDprice $1.0064 |
|---|---|
| Vault version | Morpho Vault V2 |
| APY before fees | 0.04% |
| Rewards | pathUSD 3.46% |
| Vault contract | 0x9a04…a626 |
| pathUSD token | 0x20C0…0000 |
| Network | Tempo |
The curator's description: "Sentora Vault provides superior risk-adjusted returns by lending against top-tier collaterals from Bitcoin wrappers to staked ETH and yield-bearing stablecoin derivatives with strong risk management."
Largest depositors
1,283 addresses hold shares in this vault
| Address | Deposit | Share of vault |
|---|---|---|
| 0x755b…1d14 | $22.22M | 60.2% |
| 0x21Fa…14E7 | $14.03M | 38.0% |
| 0x4530…DF12 | $255K | 0.7% |
| 0x4667…4338 | $244K | 0.7% |
| 0xA163…AABE | $10.0K | 0.0% |
| 0xCF7e…5515 | $5.0K | 0.0% |
| 0x6309…B76C | $2.5K | <0.01% |
| 0x8f22…fa2c | $2.1K | <0.01% |
| 0xfbd0…F886 | $2.0K | <0.01% |
| 0xEBCd…AC2d | $1.6K | <0.01% |
When a few addresses hold most of a vault, one large withdrawal can use up the liquidity that is free right now.
About Sentora pathUSD
Sentora pathUSD is a Morpho V2 vault on Tempo, created on May 6, 2026. It takes pathUSD 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 $36.95M (36.71M pathUSD) from 1,283 depositors and pays a net APY of 3.50% after its 0% performance fee. Over the last 30 days depositors actually earned 0.40% a year. About 3.46% of today's rate comes from pathUSD rewards, which can stop at any time.
Its largest position is cbBTC / pathUSD at 100% of what it lends. Counting every market, its loans are backed mainly by cbBTC (100%). 99% of deposits could be withdrawn right now.
Risky changes, such as adding a market, wait behind a 3-day timelock on raising caps, 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 pathUSD: quick answers
What is the APY of Sentora pathUSD on Tempo?
Sentora pathUSD pays 3.50% net APY right now, after its fees and including 3.46% of rewards. Measured from the growth of its share price, it paid 0.40% over the last 30 days. The rate changes every day with what its borrowers pay.
What does Sentora pathUSD lend against?
It lends pathUSD through 1 Morpho market. The biggest is cbBTC / pathUSD with 100% of its lending. Overall its loans are backed mainly by cbBTC (100%).
Can I withdraw from Sentora pathUSD right now?
About $36.50M of its $36.95M in deposits (99%) could be withdrawn immediately. The rest is lent out and frees up as borrowers repay or as higher rates bring in new lenders.
Who runs Sentora pathUSD 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 pathUSD?
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. Changes to it wait behind a 3-day timelock on raising caps. This is not advice.
Other pathUSD vaults
The same deposit asset, other curators and networks
| Vault | Net APY |
|---|---|
| Tempo EarnV2Gauntlet · Tempo · $285K | 3.49%incl. 3.21% rewards |