When you deposit into acumen you are given a collateral token based off what asset you have deposited. Collateral tokens all start with a baseline ratio of 1:1. The tokens work similar to pool tokens in the fact they represent your portion to claim from our reserve liquidity. When fees are gathered from interest the program is able to determine basically the correct amount of collateral tokens that the user receives. The ratio fluctuates as the number of underlying liquidity tokens in the reserve changes. This means as interest is earned the collateral tokens are no longer worth 1:1. When you withdraw your tokens the program calculates how much your collateral tokens are worth and exchanges the collateral accordingly.
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