Telegram Launches DeFi Vaults Offering Up to 18% APY on USDT, BTC and ETH

TLDR

• Telegram adds TON DeFi vaults, letting users earn yield on USDT, BTC, ETH.
• USDT vaults go live with on-chain strategies and APY up to 18%, variable.
• BTC vaults use wrapped BTC in TON, offering in-app cross-chain yield access.
• ETH vaults mirror BTC setup, using wrapped ETH for simple in-wallet earning.
• TON Wallet deepens DeFi push, targeting broader adoption with self-custody.

Telegram expanded its crypto features with new DeFi vaults that offer on-chain yield inside the app. The update introduced earning tools for USDT, BTC, and ETH through the self-custodial TON Wallet. The rollout targets broader usage as digital asset activity grows across the TON ecosystem.

USDT Vaults Introduce High-Yield Strategies

Telegram activated USDT vaults that offer on-chain strategies with returns reaching up to 18% APY. The system uses decentralized infrastructure to support automated allocation while users retain asset control. The structured design aims to simplify access to advanced yield tools through a familiar interface.

The USDT strategies operate with variable returns because market conditions change often. The blended APY reflects results from Re7’s strategy engine, and the vault adjusts positions as required. This structure maintains transparency while enabling broader participation in yield-focused activity.

TON Wallet integrated lending and execution systems from Morpho and TAC to support the new functions. These layers process deposits and transfers while enabling wrapped asset movement within the TON network. The upgrade provides a clearer path for users seeking stablecoin earning opportunities.

BTC Vaults Expand Cross-Chain Yield Options

Telegram introduced BTC vaults that function through wrapped assets within the TON ecosystem. The vaults allow users to earn variable returns while staying inside the same app interface. The design removes extra steps normally required for cross-chain activity.

The BTC system relies on Coinbase-wrapped Bitcoin, which enables smooth execution inside TAC. This structure reduces friction while allowing more efficient movement between strategies. The setup strengthens TON’s capacity to manage yield tools for major crypto assets.

TON Wallet plans to enable direct native Bitcoin deposits in future updates. The system will convert holdings automatically into wrapped form once they enter the wallet. This change aims to improve access and reduce switching costs for frequent users.

ETH Vaults Strengthen TON’s DeFi Expansion

Telegram also launched ETH vaults that follow a similar function path as BTC vaults. The system uses wrapped Ethereum to support earning features across the TON network. This approach aligns with TON’s broader plan to grow its DeFi foundation.

ETH vaults provide variable returns that shift with strategy performance and liquidity conditions. The tools operate under the same self-custodial structure to maintain user control. This model supports predictable access while avoiding complex onboarding steps.

TON Wallet continues to expand its role as a major gateway for digital assets inside Telegram. The platform reports more than 150 million registered users and seeks deeper DeFi adoption. The new vaults mark a strategic move that aims to create sustained engagement across the ecosystem.

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