Frequently Asked Questions About Concrete Xyz

Getting started with Concrete Xyz is straightforward:

1. Connect your wallet — Visit concretexyz.icu and connect a compatible Web3 wallet (MetaMask, WalletConnect, Coinbase Wallet, and more).

2. Accept the terms — Review and accept the Privacy Policy and Terms of Use to confirm you're not in a restricted jurisdiction.

3. Browse vaults — Explore the Earn page to find vaults that match your preferred assets, networks, and risk tolerance.

4. Deposit — Select a vault, enter your deposit amount, and confirm the transaction. Your funds start earning immediately.

5. Track performance — Monitor your positions and accumulated rewards from the Portfolio section.

No account creation is required. Concrete Xyz is a non-custodial, permissionless platform. You simply connect your Web3 wallet and start interacting with vaults directly on-chain.

There is no sign-up form, no email address needed, and no personal data collected. Your wallet address is your identity on Concrete Xyz.

APY on Concrete Xyz varies by vault type, underlying asset, and current market conditions. Indicative ranges include:

Stablecoin vaults (USDT, USDC, frxUSD): typically 1.5% – 10%+ APY with lower volatility risk.

Liquid staking & restaking (weETH, rsETH, ezETH): institutional-grade yields determined by market rates, plus bonus rewards.

Bitcoin vaults (WBTC, LBTC, uniBTC): 7%+ target APY with multi-protocol exposure.

High-incentive campaigns (e.g. Katana AUSD, Berachain BERA): variable APY up to 142%+ depending on liquidity and protocol incentives.

All published APY figures are targets or base rates — actual returns depend on protocol performance. Always review vault details before depositing.

Concrete Xyz supports a broad range of assets across multiple blockchains:

Stablecoins: USDT, USDC, USDC.e, USDe, sUSDe, frxUSD, USD₮0, AUSD, syrupUSDC

Ethereum-based assets: WETH, weETH, ezETH, rsETH, beraETH

Bitcoin assets: WBTC, LBTC, uniBTC, SolvBTC, SolvBTC.BBN, stBTC, FBTC

Governance & specialty: EIGEN, HONEY, WBERA, BGB, thBILL

Supported networks: Ethereum, Arbitrum, Berachain, Morph, Katana, Stable, Movement, and Corn.

Concrete Xyz also supports cross-chain swaps and bridging via Enso, so you can deposit from many popular assets even if they're not the native deposit token.

Concrete Xyz Points are loyalty rewards distributed to active vault depositors on the Concrete Xyz platform. They accumulate proportionally to your deposit size and duration.

In addition to Concrete Xyz Points, many vaults also offer partner rewards from integrated protocols — such as Bera Governance Token (BGT), Lombard Lux, Babylon Points, Ethena rewards, CAP Points, Morpho tokens, and more.

These additional rewards are displayed in the APY tooltip for each vault on the Earn page. Points may be convertible or redeemable in future protocol events.

For most vaults, withdrawals are available at any time and processed on-chain without lock-up periods. However, some specialized vaults — particularly institutional or pre-deposit products — may have withdrawal queues or conditions tied to the underlying protocol.

Always check the vault's terms and any associated notice period before depositing. Concrete Xyz surfaces this information directly on each vault's detail page.

Security is central to Concrete Xyz's design. Key measures include:

47 smart contract audits — All vaults and core infrastructure have been independently audited by leading blockchain security firms.

Non-custodial architecture — Concrete Xyz never holds your private keys. Funds are held in transparent, audited smart contracts that only you can access via your wallet.

Protocol diversification — Capital is spread across multiple protocols and strategies to reduce single-point-of-failure risk.

Vault owner transparency — Every vault displays its vault owner (Concrete, Lombard, USDai, etc.) so you know exactly who manages the strategy.

That said, DeFi carries inherent risks including smart contract bugs and market volatility. Always invest only what you can afford to lose.

Yes. Concrete Xyz's products and services are not available in certain jurisdictions, including locations subject to sanctions restrictions or where DeFi services are otherwise prohibited by local law.

By connecting your wallet and using the platform, you confirm that you are not accessing Concrete Xyz from a restricted jurisdiction. For the full list of restrictions, refer to the Terms of Use.

If you believe you are incorrectly flagged, you can refresh the page or open a support ticket via the help center.

Concrete Xyz hosts two categories of vaults:

Concrete Xyz-owned vaults — Directly managed by the Concrete Xyz team with defined strategies (e.g. Concrete DeFi USDT, WBTC Vault, Movement Ethereum). These adhere to Concrete Xyz's internal risk standards.

Third-party vaults — Created and managed by ecosystem partners such as Lombard, USDai, and Theo. These vaults deploy distinct strategies and carry the risk profile of the issuing protocol.

The vault owner is always clearly shown on the Earn page and vault detail pages, alongside the vault's TVL, APY, and supported deposit assets.

Concrete Xyz integrates with a wide ecosystem of DeFi protocols to maximize yields and rewards for depositors. Current integrations include:

Lending & liquidity: Morpho, Dolomite, Beraborrow, Meridian, Echelon, ZeroLend

DEXs & liquidity management: Kodiak, LiquidSwap, Bulbaswap, Sushiswap

Staking & restaking: EigenLayer, Ethena, Lombard, Babylon, Ether.fi, Renzo

Cross-chain routing: Enso (for swap-and-deposit and bridge-and-deposit flows)

Partner ecosystems: Symbiotic, CAP, Allo, Resolv, Avalon, and more.

This network of integrations means Concrete Xyz can offer competitive yields across a wide range of assets and chains.

Rewards on Concrete Xyz come from multiple sources and are compounded or distributed depending on vault design:

Base yield — Generated by the underlying protocol (e.g. lending interest, staking rewards). This accrues to your vault balance automatically.

Concrete Xyz Points — Loyalty points that accrue to your wallet based on deposit size and duration.

Protocol partner rewards — Native tokens or points from integrated partners (BGT from Berachain, Lombard Lux, Ethena rewards, etc.).

Campaign rewards — Time-limited reward boosts for specific vaults, shown with a star icon on the Earn page.

Hover over the APY indicator on any vault to see a full breakdown of all active reward streams.

Completed campaigns are archived and displayed in the "See All Completed Campaigns" section at the bottom of the Earn page. While these vaults are no longer actively incentivized, they may still be open for deposits at their base APY.

Rewards earned during completed campaigns are retained by depositors — they are not forfeited when a campaign ends. If a campaign had claimable tokens, those claims are typically available through the respective partner protocol's interface.

Concrete Xyz supports all major Web3 wallets through the RainbowKit connection interface, including:

MetaMask · Coinbase Wallet · WalletConnect (compatible with 300+ wallets) · Rainbow · Trust Wallet · Ledger (via browser extension) · Phantom · and more.

Make sure your wallet is connected to a supported network (Ethereum, Arbitrum, Berachain, etc.) before attempting a deposit. If your preferred network isn't active, Concrete Xyz will prompt you to switch.

If you see the restricted jurisdiction banner, your access origin has been detected as coming from a region where Concrete Xyz's services are not available. This may occur due to:

• Your IP address resolving to a restricted country
• Use of a VPN or proxy that routes through a restricted region
• Geolocation detection errors

If you believe this is an error, try refreshing the page or disabling any VPN/proxy. You can also open a support ticket via the Discord support channel or the built-in help widget.