Emre Yumlu 
Telegram’s embedded crypto solution, Wallet in Telegram, has introduced onchain yield functionality for users holding Bitcoin (BTC), Ethereum (ETH) and USDT. With this update, TON Wallet evolves beyond a simple self-custodial storage tool and positions itself as a gateway to third-party DeFi strategies directly within the Telegram ecosystem.
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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