Earning Profits from Telegram: TON Wallet Launches Multi-Asset Yield Mining with USDT APY Up to 18%

The decentralized finance (DeFi) market is entering a new phase as Telegram officially integrates yield-generating tools directly into its messaging app. With the launch of yield vaults on TON Wallet, users can now earn additional returns from top digital assets—Bitcoin, Ethereum, and Tether—without switching to other trading platforms or navigating complex DeFi protocols.

DeFi solutions integrated into messaging apps

The main barrier for ordinary users to participate in decentralized finance has long been complexity. Managing multiple browser extensions, understanding cross-chain bridges, or finding suitable protocols—all pose significant challenges. Telegram recognized this and decided to simplify the experience by bringing profit tools directly into the @wallet bot.

Instead of leaving the app to access DeFi, Telegram users now just open their daily app, navigate to the “Earn” section, and start depositing assets. This marks a major step toward making decentralized financial services accessible to the masses.

Yield mechanism: from strategy to actual returns

The announced annual percentage yield (APY) for USDT—up to 18%—is eye-catching, but it’s important to understand how it’s generated.

This APY isn’t a fixed guaranteed rate. Instead, it’s the total profit generated by automated strategies managed by Re7. These strategies operate by deploying user funds into three main streams:

1. Decentralized lending markets: Funds are supplied to protocols like Morpho, where borrowers pay interest to access liquidity.

2. Liquidity provision: Assets are supplied to decentralized exchanges or automated market makers, earning fees from trades.

3. Ecosystem incentives: Rewards provided by TON Foundation or partner protocols.

The 18% figure represents a potential ceiling. As more users participate, demand for borrowing may decrease, or market conditions may change, causing actual yields to fluctuate accordingly. This is the on-chain nature of profits—flexible and dependent on market factors.

The three biggest assets: Bitcoin, Ethereum, and USDT on TON

While USDT gets the most attention due to its high APY, adding vaults for Bitcoin and Ethereum is also significant.

Bitcoin ($69,700) and Ethereum ($2,110) traditionally only generate returns through selling or transferring to centralized exchanges. Now, TON Wallet allows long-term holders to leverage these “blue-chip” assets without leaving the self-custody environment.

Tether (USDT) is the most liquid stablecoin globally, and its presence on the TON blockchain has grown rapidly. With up to 18% APY, even a relatively small USDT holding can generate substantial returns over time.

Technical infrastructure: how everything works

The success of a decentralized yield service depends on reliable architecture. TON Wallet has adopted a modular approach, partnering with three specialized entities:

Morpho provides the infrastructure for decentralized lending—where vault users interact not directly with borrowers but through an intermediary protocol. This enhances liquidity and security.

TAC (TON Applications Chain) acts as an EVM-compatible execution layer, allowing Ethereum-style smart contracts to run on TON. This expands ecosystem interoperability.

Re7 is the risk management expert, screening the best profit strategies and continuously monitoring performance metrics. They ensure assets are deployed cautiously.

This collaborative model allows Telegram to maintain a decentralized ecosystem without building all components themselves. Users retain control of their private keys—the funds remain on the blockchain, and they can withdraw at any time.

Risks to know when participating in vaults

While on-chain yields are attractive, they are not risk-free. Users should be aware of the following:

Smart contract risk: Like all DeFi products, there’s theoretical risk of vulnerabilities in Morpho, TAC, or the vault code. Although these protocols have been audited, nothing is 100% safe.

Variable returns: Yields are not constant. If demand for USDT loans decreases, APY will adjust accordingly. Users should expect fluctuations.

Liquidity risk: In extreme market conditions, DeFi protocols can become overloaded. While vaults are designed to be flexible, access to liquidity may be delayed in rare cases.

By choosing to self-manage assets via TON Wallet, users essentially become their own “bank.” This offers transparency and control but also requires understanding how to secure their Telegram accounts and recovery phrases.

Quick start guide: how to begin earning

To start using vaults:

1. Open Telegram and find the @wallet bot
2. Navigate to “Earn”
3. Select the asset you want to deposit (BTC, ETH, or USDT)
4. Deposit assets from your wallet or via cross-chain deposit channels
5. Approve the transaction on-chain
6. Watch your earnings accumulate over time

Note that you’ll need a small amount of TON to pay for blockchain gas fees (usually very low). As a self-custody solution, you retain full ownership and can withdraw anytime without withdrawal fees or delays (except in extreme cases).

The future of decentralized super apps

With over 150 million registered wallet users, Telegram clearly aims to become a “super app” similar to WeChat or Alipay, but operated through decentralized technology.

As the TON ecosystem matures, we may see further integrations. Future scenarios could include direct payments from vaults to merchants accepting crypto, or automated savings programs that set aside part of monthly income and automatically deposit into vaults.

Currently, the focus remains on providing an alternative comparable to traditional savings and centralized lending. By integrating DeFi into a familiar app, Telegram is opening the door for millions to explore decentralized finance safely.

FAQ

Is the 18% interest rate guaranteed?
No. It’s a variable composite rate based on current DeFi strategies managed by Re7. It represents a potential ceiling; actual returns will fluctuate with market demand.

Do I need to hold TON tokens?
You’ll need a small amount of TON to pay blockchain gas fees (usually very cheap). However, you can deposit BTC, ETH, or USDT directly into vaults. Recent updates also support easy cross-chain deposits.

Are the vaults privately holding assets?
No. They are fully self-managed. Telegram and the TON Wallet team cannot access your private keys. You retain full ownership when assets are deployed.

Can I withdraw anytime?
Generally, yes. Vaults are designed to provide liquidity, allowing principal and rewards to be withdrawn. Check specific terms in the app for any lock-up periods or fees.

How can I maximize APY?
APY depends on strategies chosen by Re7, not external selection. You cannot pick specific strategies yourself—deployment is automated to optimize risk and return.