Sentora Vault (RLUSD/PYUSD) is Now Live!

Affluent's Sentora Vault is the first Meta Vault, enabling a cross-chain stablecoin yield strategy, built for Telegram Wallet.

Jan 26, 2026

Introduction

Sentora Vault is the first cross-chain vault product in the TON Ecosystem, enabling Telegram Wallet users to access Ethereum-native stablecoin yield without leaving Telegram.

By abstracting away bridging, gas fees, and DeFi complexity, Sentora Vault allows users to earn rewards on RLUSD and PYUSD using USDT as the sole deposit and withdrawal asset, delivering sustainable high yield through a fully compliant and risk-managed structure.

1. Overview

Sentora Vault is a stablecoin yield vault built on Affluent, designed specifically for Telegram Wallet users.

It enables users to earn high-quality, institution-grade rewards denominated in RLUSD and PYUSD, both fully fiat-backed stablecoins, while depositing and withdrawing exclusively in USDT.

All cross-chain execution, asset minting, and yield generation occur trustlessly in the background, removing technical friction and lowering the barrier to cross-chain DeFi participation.

2. Core Value

Frictionless User Experience

No manual bridging, no Ethereum gas fees, and no complex DeFi interactions
Users interact exclusively with USDT inside Telegram Wallet
The experience is as simple as: Deposit USDT → Earn RLUSD / PYUSD rewards

Optimized & Stable Returns

Rewards are generated through Ethereum-native strategies
Yield is denominated in RLUSD and PYUSD, providing exposure to regulated, fiat-backed stablecoins

Security & Governance First

Smart contracts audited by a tier-1 auditor (Trail of Bits)
Governed by a multisig

This structure ensures shared control, operational transparency, and robust risk oversight.

3. Vault Structure & Operation

Deposit & Withdrawal Mechanics

Deposits and withdrawals are supported exclusively via USDT
Direct minting or burning of RLUSD or PYUSD by users is not permitted
All actions are processed through queued execution to ensure security, compliance, and controlled liquidity management

Cross-Chain Execution

Deposited USDT is bridged out by the Vault Manager
USDT is used to mint: Euler RLUSD Vault Tokens, Euler/Morpho PYUSD Vault Tokens on Ethereum (minted vault tokens are then bridged back to TON to capture TVL)

4. Vault Specifications

Depositable/Withdrawable Asset:

USDT only
Queued deposit and withdrawal required (no instant execution)
- Deposit: processed 1 to 2 times a week
- Withdraw: processed 1 time a week

Whitelisted Assets:

USDT
EulerVault (RLUSD)
EulerVault (PYUSD)
MorphoVault (PYUSD)

Leverage & Exposure:

100% exposure cap
Non-leveraged, principal-preserving structure

Financial Terms:

Management Fee: 0.50% per annum
Queued Withdrawal Fee: 0.10%
Oracle Pricing: USDT, RLUSD, and PYUSD are hard-pegged at $1 (this protects users against temporary secondary-market depegs and oracle volatility)

5. Queued Execution Framework

Deposit Queue

Users submit USDT into a deposit queue
Deposits are batch-processed 1 to 2 times per week
Vault tokens are minted and distributed once execution is completed

Withdrawal Queue

Withdrawals are supported only via the queue
Processed 1 time per week on a 7-day cycle, ensuring orderly liquidity management

6. Operational Flow & Responsibilities

User Flow

Deposit:
- Submit USDT into the deposit queue
- Receive vault tokens after batch execution
Withdraw:
- Submit a withdrawal request to the weekly queue
- USDT is returned once the cycle is completed

Vault Manager Responsibilities

Compliance & Risk Controls:
- Screens all queued deposits against Elliptic sanctions databases via Guardian before execution
Strategy Execution:
- Executes USDT → RLUSD / PYUSD minting via Curve.fi
- Handles direct minting and burning via Euler & Morpho
Administration:
- Claims rewards using Ethereum-linked operational accounts
- Manages weekly withdrawal queues and cross-chain settlement

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