TON Wallet Introduces Yield Vaults for BTC, ETH, and USDT Directly in Telegram

TON Wallet Brings Passive Income to Telegram Users

The team behind TON Wallet, a non-custodial wallet built directly into Telegram, has launched yield vaults supporting Bitcoin, Ethereum, and USDT. The new feature enables users to earn passive income without ever leaving the messenger's interface — a move that could reshape how mainstream audiences interact with decentralized finance.

With Telegram boasting hundreds of millions of active users worldwide, the integration of yield-generating vaults into its native wallet represents one of the most ambitious attempts yet to bring DeFi tools to a non-technical audience. Rather than requiring users to navigate complex protocols, bridges, or external platforms, TON Wallet now offers a streamlined path to earning returns on major crypto assets.

Why Yield Vaults in Telegram Matter for DeFi Adoption

Passive yield tools have traditionally been the domain of sophisticated DeFi users comfortable navigating multiple protocols and bridges. The typical process involves connecting wallets to decentralized applications, approving smart contract interactions, and manually managing positions across different chains — steps that deter the vast majority of potential users.

By embedding vaults directly into TON Wallet, the project aims to lower the barrier to entry dramatically. This is particularly significant given that stablecoins like USDT continue to play a central role in the broader crypto ecosystem. As recent data shows, USDT exchange reserves have experienced notable fluctuations, underscoring the importance of accessible yield tools that give holders productive alternatives to simply parking assets on exchanges.

The integration also arrives at a time when the Bitcoin market is experiencing renewed momentum, making passive income opportunities on BTC holdings especially appealing to a growing class of retail investors.

How the Yield Vaults Work

Background yield generation is powered by a partnership between several specialized protocols, each handling a distinct layer of the infrastructure:

• Morpho — a decentralized lending network responsible for generating the underlying returns through optimized lending strategies;
• TAC — a Layer 2 protocol that enables wrapped tokens such as wETH and cbBTC to operate seamlessly within the TON network, bridging assets across chains;
• Re7 — a yield provider focused on risk management, carefully selecting reliable strategies to protect user deposits.

The most attractive offering is the USDT vault, where annual yields can reach up to 18% APY. This rate significantly outpaces what most centralized platforms offer on stablecoin deposits, making it a compelling option for users seeking stable returns.

Bitcoin and Ethereum vaults feature variable rates that fluctuate based on market conditions and lending demand. However, the key advantage is that holders can earn on these assets without transferring them to external exchanges or interacting with unfamiliar DeFi interfaces.

Who Is Behind the Project and What's the Vision

Andrey Rogozov, founder and CEO of The Open Platform, emphasized that the vaults bridge the gap between complex DeFi protocols and hundreds of millions of users. He called the launch a major step toward making decentralized finance truly universal — not just a tool for crypto-native communities, but a practical financial service accessible to anyone with a Telegram account.

The vision is clear: if DeFi protocols can be abstracted behind a familiar chat-app interface, the addressable market for on-chain yield products expands exponentially.

This philosophy aligns with the broader trend of simplifying blockchain interactions. While debates continue about Bitcoin's short-term price trajectory and market cycles, products like TON Wallet's yield vaults focus on a different value proposition — steady, accessible returns regardless of market direction.

What's Next for TON Wallet

Looking ahead, the TON Wallet team has outlined an ambitious roadmap designed to further reduce friction for users:

1. Direct BTC and ETH deposits— users will soon be able to deposit native Bitcoin and Ethereum into TON Wallet, with automatic conversion to cbBTC and wETH happening behind the scenes;
2. Cross-chain deposit expansion — building on the cross-chain deposit functionality launched earlier in February through a partnership with MoonPay;
3. Broader asset support — the vault infrastructure could eventually accommodate additional tokens and yield strategies as the protocol ecosystem matures.

The long-term implications are significant. As the crypto space continues to evolve — with ongoing discussions around everything from Bitcoin's origins and philosophy to macroeconomic factors influencing market cycle predictions — tools that make earning yield as simple as sending a message could prove transformative for mainstream adoption of decentralized finance.