Telegram Wallet Introduces USDT DeFi Yield with Affluent

Telegram Wallet now offers USDT DeFi yield with Affluent

Telegram is enhancing the DeFi experience for its users by integrating with Affluent, enabling access to DeFi yields through its self-custodial wallet. This collaboration provides a user-friendly way for USDT holders to earn passive income without leaving the app.

Key Takeaways

Telegram has partnered with Affluent to offer DeFi yield opportunities through its wallet.
Users can earn up to 3.5% APY on USDT holdings within the Telegram app.
This integration aims to enhance Telegram's capabilities as a Web3 super app, combining messaging, social media, and financial services.
With 800 million users on Telegram and 100 million active wallet users, the platform has significant potential to grow the DeFi user base.

Telegram's Step into DeFi

Telegram is making waves in the world of decentralized finance (DeFi) by launching a new feature in its in-app self-custodial wallet. On October 24, the company disclosed its partnership with Affluent, a DeFi vault protocol operating on the TON blockchain. This collaboration gives users the opportunity to generate yield effortlessly through their wallets.

⚡️ USDT holders in TON Wallet can now earn up to 3.5% APY — automatically and without leaving @telegram.

💎 This became possible through our integration with @AffluentOrg, a DeFi protocol on @ton_blockchain that uses smart vaults and automated strategies to generate returns… pic.twitter.com/3YwqR4sTWC
— TON Wallet (@tonwallet_tg) October 24, 2025

According to both companies, this integration allows over 100 million active users of Telegram’s wallet to easily access DeFi services with just one click. Users will initially be able to earn yield on USDT holdings via the newly added “Earn” feature, allowing them to make the most of their assets by earning as much as 3.5% APY.

Ambitious Future for Telegram as a Web3 Super App

Justin Hyun, Co-CEO of the Affluent protocol, emphasized that this development is a significant step toward transforming Telegram into a Web3 super app. Such an application includes various functionalities, encompassing messaging, social networking, and payment services—all in one place.

Currently, the Telegram messaging platform boasts an impressive 800 million monthly users, while its wallet has attracted around 100 million active users. This makes Telegram a promising candidate for onboarding new users into the DeFi space. The company has ambitious plans to transition 30% of its user base to the wallet service by 2028, signifying its dedication to evolving within the blockchain and cryptocurrency ecosystem.