Concrete Protocol is an innovative DeFi project developed by Blueprint Finance, combining automated yield generation, comprehensive liquidation protection, and cross-chain functionality. Powered by smart contracts and its proprietary "Probability Engine," the platform offers not just passive asset storage, but intelligent capital management with real-time risk mitigation under market volatility.
Table of Contents
- General Overview of Concrete Protocol
- Core Mechanisms of the Protocol
- Architecture and Scalability
- Security and Audits
- Development Roadmap
- Conclusion
1. General Overview of Concrete Protocol
Concrete Protocol is being developed by Blueprint Finance and launched as a decentralized infrastructure for optimized lending and asset management in DeFi. It is backed by major venture firms such as Hashed, Tribe Capital, and Portal Ventures, and secured $7.5 million in funding in February 2024.
The protocol operates through three key modules: "Earn" (automated yield generation), "Borrow" (optimized lending), and "Protect" (liquidation protection). These components are integrated into a unified interface, streamlining user experience and eliminating the need to switch between multiple DeFi services.
From a UX perspective, Concrete offers a seamless journey that begins with deposits into ERC-4626-compatible vaults, proceeds through borrowing with built-in protection, and culminates in the creation of sustainable yield portfolios with auto-compounding. The platform is designed for both retail users and institutional players seeking predictable and secure asset strategies within the Web3 landscape. It also solves DeFi fragmentation by consolidating core financial functions into one coherent system—from earning yield to mitigating risk.
2. Core Mechanisms of the Protocol
Concrete Protocol centers around three core components that form the backbone of its DeFi ecosystem. These modules are unified by an intelligent risk management engine—the Probability Engine—which continuously analyzes user positions and prevents critical liquidation scenarios.
| Module | Description | Key Features |
|---|---|---|
| Earn | Automatically allocates user assets to DeFi protocols offering the highest yields. | - Utilizes ERC-4626-based ct[asset] vaults - Supports auto-compounding - Compatible with a wide range of yield strategies |
| Borrow | Enables borrowing against collateral through top DeFi markets. | - Integrated with Aave, Compound, Radiant, Silo - Concrete covers gas fees for borrowers - Automatically selects optimal LTV and terms |
| Protect | Two-layer protection against liquidation, tailored to user needs. | - Concrete Borrow (Lite): partial pre-liquidation with a low 3.5% fee (vs. industry 5–15%) - Concrete Protect: premium solution that injects a credit buffer at critical LTV thresholds to fully avoid liquidation |
These modules work together to form a closed ecosystem, enabling users to earn, borrow, and protect assets within a unified protocol. This comprehensive structure minimizes risk while increasing accessibility for both new and experienced DeFi users.
3. Architecture and Scalability
Concrete Protocol was originally envisioned as an infrastructure layer for building secure, flexible, and interoperable DeFi services. Its architecture is not confined to a single blockchain — it is designed for multi-chain interaction and scalability as the ecosystem expands.
Key architectural components include:
- Hub-and-Spoke Model: A dedicated Concrete app-chain acts as the central hub, while EVM, SVM, and Move-based blockchains serve as spokes enabling access to liquidity and integrations.
- Cross-chain Interoperability via LayerZero: Users can deposit on one chain and borrow from another, effectively solving DeFi fragmentation and improving UX.
- Phased Scalability: V1 operates locally; future versions will introduce routing, liquidity migration, and global vault coordination.
- ERC-4626 Vaults: These containers offer modularity and compatibility with both passive strategies (e.g., money markets) and active ones (e.g., managed portfolios or ETF-like structures).
This modular, cross-chain design ensures Concrete can adapt to evolving market needs while remaining technically robust and strategically scalable across the Web3 ecosystem.
4. Security and Audits
Security holds a central position in the architecture of Concrete Protocol. The project team has implemented a multi-layered approach to auditing and protecting smart contracts, covering both technical and operational aspects.
Core security strategies include:
- Initial Development Review: In-house analysis of architecture and early-stage vulnerabilities.
- External Audit Partners: Independent audits from Halborn and Code4rena covering major contracts such as HUB v1, Earn v1, ProtectStrategy, and Curve/Pendle integrations.
- Post-Deployment Monitoring: Continuous smart contract monitoring and real-time patching post-launch.
- Public Transparency: All audit reports and remediation efforts are published for community access and trust.
In addition, Concrete adopts a "security by design" philosophy, embedding protections into protocol logic from inception. Halborn audits spanned from October 2024 to May 2025, while the Code4rena contest addressed final fixes in February 2025. Audits covered vault logic, strategy implementations, protection layers, and rewards systems.
This proactive and transparent security posture reflects the maturity and discipline required to support a scalable DeFi protocol, reinforcing user confidence and long-term resilience.
5. Development Roadmap
Concrete Protocol follows a phased rollout strategy aimed at expanding functionality and improving access to DeFi tools. In the first phase (V1), the platform operates within a single blockchain—allowing users to deposit assets, borrow funds, and access protection features locally. The second phase (V2) will introduce in-chain asset swaps without leaving the platform, while the third phase (V3) will enable cross-chain borrowing, with collateral and loans operating across different networks. The final phase (V4) focuses on global liquidity management through a cross-chain vault infrastructure.
In addition, the team plans to integrate decentralized exchanges (DEXs), expand support for money-market protocols, and introduce product strategies similar to ETFs. A user reward system called Concrete Points (CP) will also be launched to incentivize activity within the protocol.
This roadmap reflects Concrete’s ambitious vision as a scalable and integrated platform for asset management across the multi-chain Web3 ecosystem.
6. Conclusion
Concrete Protocol is a modern solution for DeFi asset and credit management. By combining automated yield strategies, intelligent liquidation protection, and cross-chain interoperability, it creates a cohesive and powerful financial ecosystem. Its architecture—built on ERC‑4626 and powered by its own app-chain—enables adaptive scaling and seamless blockchain interactions. The project's commitment to audits and transparency further strengthens its reliability.
Looking ahead, Concrete plans to decentralize further (V2–V4), launch product strategies, integrate DEXs, and build a global liquidity infrastructure. The Concrete Points system will reward user activity and deepen engagement. For anyone seeking a comprehensive, secure, and forward-thinking DeFi platform, Concrete Protocol stands out as a robust alternative to fragmented solutions.
