Rebecca Cruz Telegram crypto wallet introduces self-custodial vaults enabling users to earn yield on Bitcoin, Ether, and USDt directly inside the messaging app, bridging DeFi with mainstream users.
Telegram crypto wallet has taken a bold leap into decentralized finance by letting users earn yield on Bitcoin, Ether, and USDt directly within the app. The new vault system transforms Telegram from a simple messaging platform into a full-fledged digital asset hub, merging the familiarity of chat with the innovation of DeFi.
Telegram Simplifies Onchain Earning
The Telegram crypto wallet, also known as Wallet in Telegram, has launched an in-app vault feature designed to make earning on digital assets more accessible. This update allows users to hold, send, and earn on Bitcoin, Ether, and Tether’s USDt without leaving Telegram’s interface.
What makes this development stand out is its self-custodial structure. The Telegram crypto wallet ensures that users maintain full control of their assets while participating in yield-generating strategies. The vaults are built on a DeFi infrastructure that combines lending network Morpho, TON’s execution layer TAC, and strategy provider Re7. While these systems handle the complex mechanics in the background, users interact with a clean, intuitive wallet interface that feels as easy as sending a message.
Andrew Rogozov, CEO of The Open Platform and Wallet in Telegram, emphasized that the goal is to turn digital assets from complex instruments into tools for daily use. This announcement positions Telegram as a serious player in the race to mainstream decentralized finance.
Bridging DeFi to Everyday Users
The latest feature of the Telegram crypto wallet simplifies DeFi yield farming, a process that has often been reserved for tech-savvy users. Traditionally, participating in decentralized finance involves managing multiple wallets, switching between networks, and interacting with external dApps. Telegram’s new vaults eliminate these layers by integrating everything into one app.
The system generates variable returns based on the chosen asset and risk level. Users can choose between USDt vaults that provide dollar-based returns or Bitcoin and Ether vaults that offer similar earning mechanisms. The funds never leave the users’ self-custody, ensuring transparency and security.
A spokesperson from Wallet in Telegram highlighted that the project’s vision is to make onchain yield earning seamless and native to a mainstream consumer app. The move aligns with Telegram’s broader mission to lower the entry barrier for DeFi participation while keeping user experience central.
Additionally, direct deposits of native Bitcoin and Ether will soon be supported, automatically wrapped within the TON ecosystem to enable transfers and yield activities. This approach maintains the blockchain’s decentralized integrity while adding a user-friendly layer of abstraction that appeals to newcomers and seasoned investors alike.
Expanding the TON Ecosystem
The Telegram crypto wallet is part of the growing TON ecosystem, which has rapidly evolved into a hub for blockchain applications and financial tools. Earlier this month, the TON Foundation unveiled TON Pay, a toolkit that allows merchants and Telegram Mini App developers to accept cryptocurrency payments inside Telegram. This creates a seamless circular economy within the app — users can earn yield, transact, and spend their assets without leaving the platform.
The synergy between the Telegram crypto wallet and TON Pay sets the stage for Telegram to become a financial super app. With over 150 million registered wallet users, the infrastructure is primed for mass adoption of onchain finance.
Telegram’s financial expansion has also been mirrored in its growing revenue. The company reported $870 million in operating income during the first half of 2025, marking a 65% jump from $525 million a year earlier. About $300 million of that revenue was tied to exclusivity agreements involving Toncoin, further illustrating the platform’s deep integration with the blockchain ecosystem.
A Step Toward Mass Crypto Adoption
The arrival of vaults in the Telegram crypto wallet signals a broader shift in how DeFi interacts with mainstream audiences. For years, decentralized finance has been gated behind complex user interfaces and technical jargon. Telegram’s approach could change that dynamic entirely by embedding yield earning directly inside a familiar messaging environment.
By combining simplicity, security, and scalability, the Telegram crypto wallet is positioning itself at the intersection of communication and finance. The integration of yield-bearing vaults not only democratizes access to crypto earnings but also pushes the industry toward the next phase of user-centric blockchain adoption.
Disclaimer: Parts of this article were generated with the assistance from AI tools and reviewed by our editorial team to ensure accuracy and adherence to our standards.
