USDT Earn with Sentora

USDT Earn with Sentora

USDT Earn with Sentora is a DeFi-protocol by Sentora, available directly in the TON Wallet interface. It allows you to:

  • Deposit USDT into Sentora’s dedicated Sentora RLUSD Vault and earn variable rewards.
  • Start with a minimal amount — as little as 1 USDT.
  • Retain full control over your assets: track earnings and withdraw USDT at any time under Sentora’s terms.
  • Use a decentralized system — Sentora has no access to your funds.

The DeFi-protocol is conducted by third-party service and is governed by the terms and mechanisms of Sentora. TON Wallet only provides a convenient interface to access the protocol.

What’s the difference between USDT Earn protocols in TON Wallet

Difference

USDT Earn with Sentora

USDT Earn with Morpho

USDT Earn with Affluent**

USDT Earn with Re7 Labs

Deposit token

USDT

USDT

USDT

USDT

Minimum deposit

1 USDT

1 USDT

1 USDT

1 USDT

Source of rewards

Sentora RLUSD Vault

Morpho USDT Vault

Ethena and Affluent USDT Lending Vault

Re7 Labs and Midas

Rewards accrual

Reflected as a continuous balance increase on the protocol page

Reflected as a continuous balance increase on the protocol page

Reflected as a continuous balance increase on the protocol page

Reflected as the growth of the mRE7YIELD token value and a continuous balance increase on the protocol page

Withdrawal

1) Standard — up to 24 hours

2) Instant

Instant

1) Standard — up to 24 hours

2) Instant

Up to 14 days

Protocol risk level*

Low

Low

Low

Medium

Protocol provider and provider’s terms

Sentora

Morpho

Affluent 

Re7 Labs and Midas

*Note: the risk level is determined based on a comparison of the parameters of the protocols available in the TON Wallet interface.

**Note: participation in “USDT Earn with Affluent” is only available to users who deposited funds before April 9, 2026.

What do I need to participate in USDT Earn with Sentora

To participate, you only need:

  • TON Wallet.
  • USDT in your TON Wallet balance: you can top up your TON Wallet or swap other tokens for USDT.
  • TON or Telegram Stars to pay the network fee for the deposit. If you don’t have TON, the fee can be paid in USDT.

How to deposit USDT

  1. Open the ‘Earn’ section in the bottom menu of your TON Wallet and select USDT.
  2. Choose the Sentora protocol.
  3. On the USDT Earn with Sentora page, tap 'Deposit'.
  4. Enter the amount you want to allocate, review the fee, and then confirm the operation by tapping 'Confirm and Deposit'.

The process takes only a few minutes. Once the transaction is confirmed, it will appear as successful, and your assets will start participating in the strategy and earning rewards, and the deposited amount will be visible on the protocol page.

How much can I deposit into USDT Earn with Sentora

The minimum deposit amount is 1 USDT and there is no maximum deposit limit.

What is Sentora

Sentora is a DeFi platform that manages vault strategies and assets. It allocates USDT deposited into the Sentora RLUSD Vault across lending strategies, optimizing yield and providing a complete infrastructure —from deposit to withdrawal. Learn more about Sentora here.

What is the role of TON Wallet in USDT Earn with Sentora

The USDT Earn with Sentora DeFi-protocol is provided by a third-party organization. TON Wallet serves only as a convenient interface to access the protocol. The terms and mechanisms of its operation are determined by Sentora. We recommend reviewing its policies and rules before participation.

Where do rewards come from

Rewards are generated in the Sentora RLUSD Vault — a vault deployed on the Euler lending market and managed by Sentora. Learn more about how rewards are generated in the Sentora RLUSD Vault here.

What does APY Mean

APY (Annual Yield or Annual Percentage Yield) shows the percentage of income you can earn over a year on the funds deposited in USDT Earn with Sentora. 

When you deposit USDT, you immediately see an estimated 1-year return based on the current APY and token market price. The actual return may differ due to changes in the APY rate and USDT price.

The APY may change over time due to market conditions, strategy, and other factors. The up-to-date APY is always available on the USDT Earn with Sentora page.

How does USDT Earn with Sentora work

In the TON Wallet interface, you only see the deposit and withdrawal of USDT — all internal Sentora RLUSD Vault operations are executed automatically.

What is RLUSD

RLUSD (Ripple USD) is a stablecoin issued by Ripple Labs and pegged 1:1 to the US dollar. As part of the strategy, your USDT is converted into RLUSD, which is then used for allocation in yield-generating lending protocols managed by Sentora.

How can I see my rewards

Rewards start accruing immediately after your deposit. They are reflected as a rising balance on the USDT Earn with Sentora page, in the 'Earnings Assets' section as well asand in the Lifetime profit section on the protocol page – which updates in real time. 

How to withdraw funds

To withdraw funds from USDT Earn with Sentora, tap 'Withdraw' on the protocol page — the withdrawal option will appear automatically.

  • If tokens are available in the reserve (the token pool), you will see the 'Instant' option, and USDT will be credited to your balance immediately.
  • If there is insufficient liquidity in the pool, the instant withdrawal may be unavailable or limited to part of the amount. In this case, you can either wait for the reserve in Sentora RLUSD Vault to update (updated once a day) or use the 'Regular' option to withdraw the full amount or part of it.

When using the 'Regular' option, the transaction will remain 'Pending' for up to 24 hours — this time is needed to withdraw funds from the protocol. After the transaction is successfully processed, its status will change to 'Successful', and the funds will be credited to your TON Wallet.

Fees in USDT Earn with Sentora

Deposit: When depositing USDT, a network fee applies (from 0.02 to 1.4 TON), which can be paid in TON or Telegram Stars. If you don’t have TON, the fee can be paid in USDT. After the transaction is confirmed, any unused portion of the fee is automatically returned to your wallet.

Withdrawal: A network fee from 0.02 to 1.4 TON also applies when withdrawing funds, payable in TON or Telegram Stars. If you don’t have TON, the fee can be paid in USDT. After confirmation, any unused portion is returned to your wallet. Depending on the withdrawal method, an additional fee applies:

  • Instant Withdrawal — 0.15%
  • Regular Withdrawal — 0.1%

Note: 

  • All fees are displayed on the transaction confirmation screen so you can review them before completing the operation.
  • You can change the transaction fee payment method (TON, Telegram Stars, or USDT) in the 'Network Fee' field on the transaction confirmation screen.

Are there regional restrictions for participation

According to the TON Wallet Terms of Use, TON Wallet is not available in certain countries. You can view the list of restricted countries here.

Additionally, the third-party partner providing the USDT Earn with Sentora services in TON Wallet has their own terms and conditions, which may include national or regional restrictions. Depending on these terms, the DeFi-protocol may not be available in your region and/or jurisdiction.

Quick solutions to common issues

Situation

Possible cause

What to do
Unable to withdraw funds using Instant Withdrawal There is not enough liquidity in the reserve pool to process your request. Wait until the next day when the reserve is replenished and try again, or use Regular Withdrawal instead.
Requested a Regular Withdrawal, but funds haven’t arrived The transaction is still processing (up to 24 hours) or there is a temporary interface glitch. If less than 24 hours have passed, the withdrawal is still pending — check the status in your TON Wallet. If more than 24 hours have passed, contact support. Make sure your internet connection is stable and try reopening TON Wallet.
APY has decreased APY is volatile and depends on market conditions. Check updates on the lending strategies of the Sentora RLUSD Vault, such as Euler — this may be temporary.
The Earn or USDT Earn with Sentora section is not visible in TON Wallet Regional restrictions or temporary suspension of the protocol. If you are in a country where the service is unavailable, the protocol will not appear. Also check TON Wallet’s official channel for any announcements about temporary suspensions.
Error 'You don’t have enough TON, USDT or Telegram Stars to pay for transfer fee' when confirming a transaction Your balance doesn’t have enough USDT, TON or Telegram Stars to cover the network fee. Check your balance and leave a small amount for the fee, which may range from 0.02 to 1.4 TON. If needed, top up your TON Wallet.

If the problem persists, contact our support team — we’ll help you resolve it.

Are there any risks involved with participating in USDT Earn with Sentora

Note: USDT Earn with Sentora is a protocol with a more conservative (low) risk profile compared to other protocols currently available in the TON Wallet interface. Learn more

As with any DeFi project, USDT Earn with Sentora carries certain risks. Sentora uses a multi-layered risk management system and operates on open smart contracts that have passed independent audits. Asset management is carried out exclusively through these contracts — the service does not have access to your funds.

Before participating, review all available information and consider the potential risks. You can learn more about risk management in the Sentora RLUSD Vault here.

Note: DeFi projects are managed by third-party entities that are not affiliated with TON Wallet. TON Wallet simply provides a convenient interface for accessing these projects. Any information we provide is not and should not be considered investment, tax, financial, legal advice, or a trading recommendation.

TON Wallet is not responsible for the organization, execution, or outcomes of any DeFi project.

TON Wallet does not guarantee the availability, eligibility for, or receipt of any rewards, and assumes no responsibility for any losses, delays, or disputes arising from participation in such DeFi projects.

Always do your own research (DYOR) and carefully assess risks before participating in any DeFi service.

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