This move reflects a broader shift: messaging platforms are no longer just communication hubs, but increasingly serve as access points to decentralized financial services.

The Launch of Vaults in TON Wallet

The new feature is accessible through TON Wallet, the self-custodial component of Wallet in Telegram. The integration has been supported by DeFi-focused players including Morpho, TAC and Re7.

At the core of the rollout is a set of “Vaults,” which allow users to deposit their assets into onchain strategies designed to generate variable returns. These strategies are structured to optimize yield opportunities while maintaining a self-custodial framework.

Among the USDT options, one of the highlighted strategies—powered by Re7—offers a blended annual percentage yield (APY) of up to 18%. In addition, dedicated ETH and BTC Vaults extend yield-generating capabilities to two of the most widely held cryptocurrencies in the market. This means users can move beyond passive holding and put their assets to work directly within the Telegram interface.

TON Ecosystem and Telegram Expanding Role

Since 2024, blockchain developers have increasingly looked to Telegram’s vast global user base as a gateway into The Open Network (TON) ecosystem. Early traction was partly driven by tap-to-earn mini apps offering token-based incentives. While initial enthusiasm was strong, maintaining long-term engagement has proven challenging.

Wallet in Telegram, backed by The Open Platform, reportedly serves more than 150 million registered users. This scale represents a significant opportunity to bridge mainstream audiences with decentralized finance infrastructure.

Bringing DeFi to a Broader Audience

According to Andrew Rogozov, founder and CEO of The Open Platform and Wallet in Telegram, the introduction of Vaults is intended to narrow the gap between advanced DeFi protocols and everyday users. By enabling self-custodial vault strategies for BTC, ETH and USDT directly within the TON ecosystem, the platform aims to make decentralized finance more accessible and practical for millions.

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This latest development positions Telegram as a key player in merging everyday communication tools with decentralized finance and digital asset management—all within a familiar interface.

In-App Crypto Wallet Now Available to U.S. Users

With this rollout, U.S. users can now send, receive, and manage digital assets without ever leaving the Telegram app. TON Wallet, built on The Open Network (TON), eliminates the need for browser extensions or external applications. It provides a self-custodial wallet structure, meaning users retain complete control over their private keys.

Sending crypto is now as easy as sending a message, opening up seamless transactions in a user-friendly environment.

More Than Just a Wallet: DeFi, NFT Access and Beyond

TON Wallet extends far beyond basic storage. Users gain access to the broader TON ecosystem, which includes DeFi tools, games, digital marketplaces, and various Web3 applications.

Supported assets include Toncoin, USDT, and a variety of TON-based tokens—including non-fungible tokens (NFTs). Integration with MoonPay allows users to buy USDT with 0% fees using Apple Pay, Google Pay, or credit cards.

Key Features at a Glance

• Off-ramp capabilities: Users can withdraw crypto directly to their bank cards.

• Built-in trading tools via platforms like Omniston and Ston.fi.

• Support for token staking through third-party integrations.

• Advanced security enhancements such as whitelisting, blacklisting, transaction simulation, and fraud detection tools are set to launch soon.

Mini Apps and the U.S. Market Strategy

A standout aspect of the TON Wallet integration is its role in powering Telegram Mini Apps, which include payments, on-chain tools, and games—all accessible directly through the app. The wallet is the bridge between users and a growing Web3 experience.

The United States has always been a strategic target for TON Wallet expansion. While the feature had already been rolled out in Asia and Russia, its launch in the U.S. represents access to Telegram’s 87 million+ American users, opening the door to significant growth.

As of 2024, over 100 million users worldwide had activated TON Wallet, underscoring global demand for seamless, secure, and integrated crypto experiences.

Funding and Ecosystem Support

Behind TON Wallet is The Open Platform (TOP)—a company focused on building Web3 solutions for Telegram. On July 3, TOP announced a successful Series A funding round, raising $28.5 million and reaching a $1 billion valuation. The round was led by fintech giant Ribbit Capital, with support from Pantera Capital, a major name in the crypto VC space.

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