Sentora shares the income from Aave 50 percent, but lenders take all of the losses.

Sentora's proposal separates the market risk management authority for borrowing on Ethereum from Aave with a revenue share.50%

Aave's decentralized automated organization will hold the newly proposed Ethereum lending market contract, but Sentora, a risk manager,DeFi will be the day-to-day credit risk decision maker. According to an editorial proposal published on 28 September, Sentora operates an independent Hub that separates Aave V4 and Spoke lenders through waiver rights; this power is allocated to Sentora for immediate risk response, while Aave retains ownership of the contract, the new market cap channel, and waiver powers.

Hub and spoke mechanics with asset limits.
Aave V4 separates the Hub, which stores liquidity from Spoke that issues loans with Sentora collateral; offers to use one Hub on Ethereum for its own Spoke without a credit line to or from other Hubs of Aave and Sentora's Spoke; also pulls liquidity out of the liquidity providers in the Hub of Sentora itself. Asset limit offerings borrowed as RLUSD, PYUSD and OUSD are excluded,[34] and[35] Sentora will choose the principal, interest rate band, leverage ratio and price transmitter.[36]

The custodian rights of Hub, Spoke and AccessManager will be with Aave's Governance Short Executor while contract updates and assignments are still in the power of Aave. Sentora does not hold any contracts but is granted operational rights to manage the marketplace which Aave can revoke through an on-chain tender offer.

Response time of operational privilege and authority revoked.
Stopping or rescheduling of reserves, including asset stops and spokes can be done immediately through Sentora's operational address with limited privilege; reducing the underlying factor or setting a ceiling to tighten it is possible instantly via Risk Steward. The only way for risk stewards, interest rate model changes, or price enforcement changes will begin after 48 hours delay on the bond because these functions may have unclear directions. Offers do not specify the size of the risk increase and there is no maintenance period.

Adding collateral or installing a new Sentora Hub requires posting the analysis and waiting for review in the forum two weeks ahead of schedule, or an installed Aave-designated provider may object and the objection will be suspended until it is voted through a binding snapshot.

Surveillance gaps and the limitations of emergency equipment.
The proposal states that the existing risk providers have no oversight responsibility for this case, are not mandated to recommend changes in parameters or respond to incidents; nor is any provider given a scope of work or compensation to monitor these requests. Providers may offer their own concerns, but silent review periods may not prove anyone has actually monitored the change.

Sentora's Anthony DeMartino CEO wrote in a November article 2025 that risk management requires controllers to measure and continuously monitor performance, so the proposal gives Sentora an operational role while allowing Aave providers to comment without monitoring the market.

Receivers of losses and dividends.50%
If the foreclosure depletes a borrower's collateral but still has outstanding debt, Spoke will report losses to the Hub that issued the loaned asset; then the Hub will record losses on those assets and TokenLogic's V4 Umbrella proposal states that holders of securities in the Hub would be liable for the loss. Separate accounts identify the issuing Spoke; lack of inter-Hub credit protection prevents Aave from withdrawing assets from other Hubs to use against this case directly, but does not protect holders in Sentora's Hub from its own Spoke.[citation needed]

Sentora is responsible for day-to-day risk while Aave also directs maintenance, but the proposal does not specify a loss absorber. Commercial shares designate that revenue of the protocol from this caseDeFi go to Sentora andUSDC to Aave including revenues from reserve ratios and enforcement fees on the protocol.USDC

Aave's separate V4 Umbrella proposal offers a loss premium and collateralized protection for Core WETH, CoreUSDC and Core,USDT but that coverage does not name the Hub offered by Sentora, and Sentora's offer does not specify an Umbrella marketplace, loss premium or first-class warranty to be self-funded. Future proposals may fill this gap, but lenders cannot conclude they are covered simply because Aave holds contracts or receives dividends.

The vagueness of the asset and pre-approval procedures.
Sentora's caption states that USDe and PST will approve RLUSD loans to generate a return first, adding PRIME and mWIN later but the document lists all four assets. The Bluechip description specifies borrowing RL USD by pledging kBTC as collateral, but the chart identifies R L USD, P Y USD and O USD price data senders of O USD still need to be confirmed before launch.

This proposal is also merely a public comment document for community discussion. The next step was to vote through the Snapshot, followed by an Aave Upgrade Proposal on the chain before any pre-approval votes or Aave upgrades proposals were made.

The original report of CryptoSlate summarizes this as Sentora sharing revenues50% from Aave, but the qualifier taking all losses.