DeFi has created countless ways to earn yield, but for most users, the experience is still fragmented and confusing. You deposit assets, receive a receipt token, manage rewards separately, rebalance positions, and repeat the process across multiple protocols.
Concrete changes this experience with a single concept: the ctASSET.
A ctASSET is a yield-bearing receipt token you receive when depositing into a Concrete vault.
Instead of just proving that you deposited funds, a ctASSET represents your active position inside a Concrete vault, including the yield that vault generates over time.
In simple terms:
you deposit once, and the ctASSET tracks and accrues your yield automatically.
The flow is intentionally simple and designed for beginners:
A user deposits assets into a Concrete vault
The vault issues a ctASSET, such as ctWBTC, ctsEIGEN, or ctUSD
That ctASSET represents your share of the vault and all the yield it produces
You don’t need to manage strategies, claim rewards, or rebalance positions. The ctASSET does that work for you in the background.
ctASSETs are different from traditional “deposit receipt” tokens in DeFi.
They matter because:
• They earn yield automatically as the vault operates
• Their value can increase over time as yield compounds
• They represent active DeFi strategies, not idle capital
• They turn assets that would normally sit unused into productive capital
Instead of holding a static receipt, users hold an asset that reflects ongoing strategy execution and yield generation.
This is what makes ctASSETs powerful — they are not passive records, they are living positions.
ctASSETs are designed to be flexible, not locked away.
Depending on the ecosystem and integrations, users can:
• Hold a ctASSET and earn yield passively
• Trade or swap ctASSETs on supported markets
• Use ctASSETs as liquidity in DeFi protocols
• Use ctASSETs as collateral or leverage
• Power future structured or composable products
This flexibility allows users to stay liquid while still earning yield — something traditional vault receipts rarely enable.
ctASSETs are a core building block of one-click DeFi.
They simplify the entire experience:
• One deposit → one ctASSET
• No managing multiple positions
• No manual compounding
• No switching strategies
• No monitoring dashboards
You interact with a single asset, while Concrete handles everything else behind the scenes.
That’s what makes DeFi finally feel simple, intuitive, and scalable for real users.
ctASSETs represent a shift in how DeFi positions are packaged and experienced.
They combine automation, yield, and flexibility into a single asset — allowing users to earn without friction and without constant decision-making.
Instead of managing complexity, users hold a ctASSET and let the system work for them.
You can earn with ctASSETs by depositing into Concrete vaults at:
https://app.concrete.xyz/earn