What is a ctASSET and why does it matter in DeFi

1) What Is a ctASSET?

A ctASSET is a yield-bearing receipt token you receive when depositing into a Concrete vault. When users deposit supported assets into Concrete vaults, they receive a corresponding ctASSET token.

Example: Dep WBTC → get ctWBTC Dep ETH → get ctETH Dep USDC → get ctUSDC Dep sEIGEN → get ctsEIGEN

Your deposit is tokenized into a live DeFi position that earns yield automatically.

2) Where Do ctASSETs Come From?

The process is simple as follow:

• You deposit a supported asset into a Concrete vault (e.g. USDC, WBTC, ETH, sEIGEN)
• The vault mints and sends you a corresponding ctASSET (for example: ctUSDC, ctWBTC, ctETH or ctsEIGEN)
• ctASSETs represent your proportional ownership of the vault and continuously accumulate yield over time.

3) Why Are ctASSETs Important in DeFi?

ctASSETs are different from traditional DeFi “deposit receipts”. They introduce a more flexible model for on-chain capital and will change how capital behaves in DeFi:

• ctASSETs earn yield automatically as strategies operate.
• The value of ctASSETs increases over time as returns compound.
• ctASSETs represent active DeFi strategies, not idle deposits.
• Capital efficiency and flexibility, assets are usable across the DeFi ecosystem now.

ctASSET enables users to earn, move, and deploy their capital efficiently without added complexity.

4) What Can You Do With a ctASSET?

ctASSETs are designed to remain liquid and composable across DeFi. Holding a ctASSET gives users access to automated yield generation, compounding returns and seamless DeFi composability sush as:

• Hold ctASSETs and earn yield passively.
• Trade or swap them on supported markets.
• Provide liquidity for additional incentives
• Use them as collateral in lending or leverage strategies
• Build or participate in structured products.

-> This allows the same capital to serve multiple purposes while still earning underlying yield.

5) How ctASSETs Fit Into One-Click DeFi?

Instead of managing multiple protocols and positions, users interact with a single asset, this is ctASSET which:

• One deposit results in one ctASSET, simple and intuitive.
• No manual compounding. Yield compounding is handled automatically by the vault.
• No constant monitoring of positions.
• No strategy switching. Capital is continuously reallocated to optimal yield opportunities.

With One-Click DeFi, users deposit once and receive a ctASSET that serves as their gateway to earning, using, and growing capital throughout the DeFi ecosystem.

6) Final Thoughts

ctASSET transforms yield into a fully usable asset, enables users to earn, move, and deploy their capital efficiently without added complexity. This is how DeFi becomes simple, scalable and accessible.

Start earning with ctASSETs by depositing into Concrete vaults at: https://app.concrete.xyz/earn