Concrete Finance has emerged as a leading DeFi platform for institutional grade yield generation with a universal vault system spanning multiple blockchains. Concrete vaults now secure nearly $1 billion in TVL to power on chain yield optimization and credit infrastructure for DeFi while meeting the stringent requirements of institutional participants.
To support this scale, Concrete paired its growth with a structured security program. Together with Cantina, the team launched a $250,000 USDC bug bounty inviting researchers to continuously test Concrete smart contracts and deployments. Security at this stage of DeFi must be structured, incentivized, and active. That principle is evident in the proactive approach taken by Concrete.
The Shift to Automated Vault Strategies
The past year witnessed a paradigm shift in DeFi from manual yield chasing to automated vault strategies. Concrete sat at the center of this evolution. The platform establishes itself as a universal yield backend for organizations seeking reliable on chain returns without the friction of traditional yield farming.
Concrete standardized DeFi vaults using the ERC 4626 model to enable consistent deposit and withdrawal mechanics along with safer integrations across protocols. In practice, a user or partner can deposit assets like WBTC, EigenLayer $EIGEN, or stablecoins into a Concrete Earn Vault. They receive a ctASSET token representing their share and watch its value automatically accrue as yields are generated. This one click DeFi experience abstracts away the complexity of bridging, swapping, and rebalancing across dozens of strategies. The result is an institutional grade yield service that is fully automated, transparently tracked on chain, and optimized for real risk adjusted returns.
Concrete Earn V2: Vaults Built for Scale
Concrete Earn V2, introduces a next generation vault framework designed for automation and institutional transparency. The architecture relies on several core upgrades to ensure trust.
Role Based Controls Concrete vaults separate responsibilities across multiple roles including Vault Manager, Strategy Manager, and Withdrawal Manager. This ensures no single entity unilaterally controls funds. High impact changes require multiparty approval or time locks, whereas routine operations are automated. This segregation of duties maps to institutional governance, risk, and compliance structures.
Automated Accounting and NAV Earn V2 vaults perform daily net asset value updates through an automated and verified process. A three party mechanism involving transaction proposers, independent signers, and on chain safeguards ensures that yield accruals and fee calculations are accurate each day. Partners and depositors gain real time, auditable insight into performance.
Modular Strategy Layer Concrete vaults use a plug and play strategy model. Each yield strategy is implemented as a modular contract that the vault can hook into. New strategies can be added without redeploying the vault, provided they meet Concrete risk standards. This functions like an on chain approved list of strategies, giving depositors assurance that their capital is only deployed into vetted protocols.
Asynchronous Liquidity To balance liquidity needs with yield optimization, Concrete supports epoch based withdrawals. Institutions can queue redemption requests which vaults execute at fixed intervals. This prevents large and sudden withdrawals from destabilizing strategies. Force deallocate functions serve as escape hatches, letting users redeem vault shares for underlying assets directly even if immediate vault liquidity is low.
Real Time Monitoring Earn V2 includes built in integration for real time security monitoring. Concrete subgraph indexing tracks all deposits, withdrawals, fees, and yield events. Institutional clients or auditors can query the Concrete dashboard to verify the exact composition and value of a vault at any moment.
Source: https://docs.concrete.xyz/Overview/welcome/
Institutional Adoption and Integration
Concrete has grown its TVL by becoming a backbone for various institutional DeFi initiatives.
Partner Deployed Vaults
Concrete Build enables partners to launch custom vaults using Concrete infrastructure. A prime example is USDai, the AI centric stablecoin protocol that bridges decentralized finance with real world GPU infrastructure. USDai utilized Concrete to deploy institutional AutoVaults for its users. These vaults allow depositors to earn yield generated from real world AI compute loans while Concrete handles the complex on chain execution and strategy management. By providing the secure vault chassis, Concrete enabled USDai to bridge the gap between physical AI assets and scalable DeFi yields without building the underlying yield infrastructure from scratch
Institutional Staking
Concrete partnered with Figment to extend yield opportunities to assets like XRP and BTC. By integrating the Concrete yield layer, Figment allows clients to earn additional DeFi yield on non natively stakeable assets without leaving a compliant environment. This solution turns passive holdings into actively managed capital without compromising custody.
Security Collaboration with Cantina
Concrete recognized that the accumulation of value requires continuous scrutiny. The collaboration with Cantina ensures that security is an active process rather than a one time event.
Public Bug Bounty
Concrete and Cantina jointly deployed a $250,000 bug bounty program on the Cantina platform. This signals to white hat hackers that the core contracts of Concrete are under active test. The bounty focuses on the universal yield infrastructure, strategy integrations, and supporting libraries. Researchers continuously probe this code for vulnerabilities, with payouts aligned to the impact on user funds. Cantina provides the triage and evaluation framework to ensure critical reports are validated and addressed swiftly.
2026 Outlook
Concrete Finance is positioned to expand its role in the institutional DeFi landscape throughout 2026.
- Asset and Chain Coverage: Concrete will incorporate more real world assets and Layer 2 networks into vault strategies. The goal is a unified liquidity platform where institutions can deposit any major asset to earn optimized returns.
- Deep Customization: Expect more expressive whitelisting and risk caps. Institutions will be able to set specific limits on protocol exposure or market cap requirements, marrying on chain code with off chain compliance.
- Scaling: Optimization in routing and execution will minimize gas costs. Future versions may leverage dedicated appchains or rollups to handle strategy management computation while settling final balances on Ethereum mainnet.
- Continuous Security: The bug bounty scope will expand as new contracts are deployed. Concrete and Cantina will refine engagement with the security community.
Closing
Concrete Finance has transformed the landscape of yield generation. By combining a sophisticated vault architecture with a continuous security effort led by Cantina, Concrete delivers yield with the confidence factor required by large scale capital.
Cantina is proud to collaborate on reinforcing the robustness of Concrete. Institutional DeFi requires superior technology and absolute trust. Together, we are showcasing how to achieve both. If you are building infrastructure that moves value at scale and require a security model with this level of rigor, contact us at Cantina. We will help you scope, test, and fortify your platform.
Smart Contracts Demand Smarter Security
Do not leave your protocol exposed to preventable risks. If you are building infrastructure that moves value at scale, you need a security partner who understands the complexity of your code.
Contact us to scope a comprehensive security program and build with the confidence that your smart contracts are ready for the future.