Telegram’s integrated self-custodial TON Wallet has rolled out new on-chain yield features, allowing users to earn returns in Bitcoin, Ethereum, and USDT without ever leaving the messaging app. The update introduces a “Vaults” system that grants access to competitive, decentralized earning opportunities directly through the Telegram interface.
Vault System Offers Decentralized Yield
The latest upgrade enables users to deposit their Bitcoin, Ethereum, or USDT into automated, on-chain vaults, thereby benefiting from decentralized lending and liquidity strategies. Notably, the USDT vault promises annualized yields of up to 18% through a compounding mechanism. These strategies and returns are managed by portfolio firm Re7, delivering an attractive yet dynamic proposition to digital asset holders. Yields for Bitcoin and Ethereum vaults fluctuate based on market conditions and have not been explicitly disclosed at launch.
A standout feature of the system is its fully self-custodial architecture, setting it apart from typical “Earn” products on centralized crypto exchanges. Users retain complete control of their private keys and assets, eliminating the need to entrust holdings to a centralized platform in pursuit of yield.
Collaboration Drives Technical Backbone
The infrastructure powering the Vaults originated from the collaboration between leading decentralized finance (DeFi) developers. Morpho provides the decentralized lending backbone, serving as the main yield source. Meanwhile, the TON Applications Chain facilitates seamless compatibility, incorporating wrapped assets like wETH and cbBTC to bring Ethereum and Bitcoin functionality natively into the TON ecosystem.
Re7 Capital oversees the design and risk distribution of the earning strategies, working to balance returns and mitigate exposure. Together, these elements grant Telegram users streamlined, app-level access to robust DeFi yield mechanisms—no wallet switching, browser hopping, or external interfaces required.
User Experience and Upcoming Enhancements
For users eager to participate, the process is simple: open the @wallet bot in Telegram, navigate to the “Earn” section, and allocate preferred funds—BTC, ETH, or USDT—into a vault. Looking ahead, the platform aims to enable direct Bitcoin and Ethereum deposits, alongside automatic conversion of assets into supported wrapped tokens to further streamline entry.
This advance signals Telegram’s ongoing commitment to embedding comprehensive financial tools in its messaging platform. Each new integration further cements the TON ecosystem as a leading hub for integrated crypto services and strengthens user engagement by uniting chat, wallet, and DeFi access in one digital space.
