How Withdrawals Work
Concrete vaults use a Withdrawal Queue to make redemptions predictable, secure, and fair. This protects both users and the protocol.
What Is the Withdrawal Queue?
If a vault uses a queue, this will be clearly shown in the Concrete App before you deposit.
When you submit a withdrawal request:
- Your request is added to a queue
- Funds are prepared and released in batches
- You’ll see your estimated withdrawal time in the app
- Track your withdrawal status in your Portfolio tab — you’ll see labels like “Queued”, “Processing”, or “Available”
Withdrawal Flow:
Submit Withdrawal → In Queue → Funds Ready → Claim (if needed) → Tokens in Wallet (Wait up to 7 days)
Weekly Vault Batches
Some vaults operate on a fixed withdrawal schedule, processing requests once or twice a week. If you request after the cutoff, your funds will be processed in the next batch.
Standard Weekly Schedule
- Cutoff Time: Wednesdays at 12:00 PM UTC
- Processing Time: Thursdays at 12:00 PM UTC
- Requests made after the cutoff roll into the next week’s batch
Stable Schedule
Withdrawals for the Stable (ctStableUSDT and ctStablefrxUSD) open on December 13, 2025. The queue is a 7-day withdrawal period. After users requests are processed, they will be able to complete their withdrawal and retrieve funds from the vault.
Corn Stables Vault Schedule
- Cutoff Time: Mondays at 12:00 PM UTC
- Processing Time: Thursdays at 12:00 PM UTC
- Requests made after the cutoff roll into the next week’s batch
A live countdown timer and next batch details are always visible in the app under the withdrawal tab.
Berachain Bitcoin Schedule
- Cutoff Times: Mondays and Thursdays at 12:00 PM UTC
- Processing Time: 24 hours later (Tuesdays and Fridays at 12:00 PM UTC)
- Requests made after the cutoff roll into the next available batch
Example – Corn USDT Vault
If Alice submits her request before Monday, June 3 at 12:00 PM UTC, she’ll receive her funds by Thursday, June 6. If she submits after the cutoff (e.g., Monday at 12:01 PM), her request will be included in the next week’s batch, and her funds will arrive by Thursday, June 13.
Withdrawal Timing by Vault Type
| Vault Name | Max Wait Time | Schedule |
|---|---|---|
| Stable (ctStableUSDT / ctStablefrxUSD) | Up to 7 days | Withdrawal queue opens December 13, 2025 |
| Berachain Bitcoin | Up to 5 days | Processed Mondays & Thursdays |
| Berachain Ethereum / Stables / BERA / Berabaddies | Up to 7 days | Cutoff Wed 12 PM, release Thurs 12 PM |
| Corn Stables | Up to 7 days | Cutoff Mon 12 PM, release Thurs 12 PM |
| Corn Bitcoin | Instant | Withdraw anytime |
| Morpho Bitcoin / Ethereum / USD | Instant | Withdraw anytime |
| Ethena (USDe, sUSDe) | Up to 7 days | Bridge first, then claim via UI |
| Dinero Ethereum | Up to 7 days | Bridge first, then claim via UI |
| Bitcoin Bera (Lombard) | Up to 7 days | Claim through Lombard, not Concrete |
Cross-Chain Withdrawals (Bridging)
If your vault operates across two different chains (e.g., Ethereum → Berachain or Ethereum → Corn), you’ll need to bridge your vault tokens before you can receive your funds.
The app handles this automatically — no need to use an external bridge or tool. You’ll see exactly what to do in your Portfolio view when your funds are available.
Once your vault tokens arrive on the destination chain:
- Some vaults send funds automatically
- Others require you to click “Claim” when ready
Always confirm you control the destination wallet, if you're bridging to another chain in order to withdraw. Need to change your address after bridging?
Follow our Request Address Change Guide
Why Withdrawal Queues Exist
Vaults use your deposited assets to generate yield or provide protection to borrowers.
Concrete uses queues to:
- Smooth out large withdrawals
- Maintain protocol liquidity
- Protect long-term earners
- Ensure no user is unfairly prioritized
Summary Table
| Feature | Weekly Vaults (Berachain, Corn) | Instant Vaults (Morpho) | Stable |
|---|---|---|---|
| Wait Time | Up to 5–7 days | None | Up to 7 days |
| Schedule | Fixed days (Mon/Thurs) | Anytime | Queue opens Dec 13, processed anytime within 7-day window |
| Cutoff Time | Wed 12 PM / Mon 12 PM | N/A | N/A |
| Vault Examples | BTC, ETH, Stables | Morpho ETH/BTC/USDC | ctStableUSDT, ctStablefrxUSD |
| Bridging Required? | Yes (if cross-chain) | No | No |
| Claim Step Required? | Sometimes | No | Yes — first claim vault shares on the Stable Network. If you have not claimed yet, follow the guide |