> For the complete documentation index, see [llms.txt](https://docs.aarna.ai/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.aarna.ai/aarna-the-agentic-onchain-treasury/aarna-aot-design/concrete-instance.md). # Concrete Instance aarnâ’s framework is validated by the live tokenized vault product, atv, and its core agent, âTARS: * User Flow: Deposit USDC > mint atv shares - no bridges, approvals, or technical steps. Redemptions are optimized: shares burned for USDC, and the most liquid and efficient route is automatically selected. * Agentic Allocation: The âTARS agent monitors Pendle PT markets, allocating to the safest, highest APY pools based on policy: concentration, expiry, liquidity, and oracle checks. Policy-driven constraints prevent risky allocations or overexposure. * Full Transparency: Every agentic move, allocation, rotation, and redemption is public and onchain. Vaults are governed by the treasury policy All powered by agentic automation, explainable onchain. The baseline linear-programming allocation delivers an average high single to 10% APY, whereas the aTARS dynamic-threshold agent achieved \~14.0%, consistently generating 25-40% higher yields.