User sends funds to UCE
User sends stablecoin S to UCE (swap in).
Reserve retention and forwarding
UCE retains reserveBps on-hand as reserve; forwards the remainder to the selected pocket (referrer’s or global).
Pocket deposits and issuance
Pocket deposits the non-reserved balance to Aave (or keeps a tiny on-pocket buffer if configured). UCE swaps (or mints the shortfall) 0xAsset to the user (issuance path; no redemption-rate effects).
