365Crypto
Earn Crypto Without Leaving Your Chat
Telegram just upgraded its in-app wallet. Now users can earn yield on Bitcoin, Ether, and USDt directly inside the messaging app. No extra apps. No browser tabs. Just tap and earn.
The feature introduces “vaults” inside TON Wallet. These vaults allow users to deposit crypto and generate returns while keeping control of their private keys. That means self-custody remains in place. No handing over funds to a centralized exchange.
How the Vaults Work
Behind the scenes, the system uses DeFi infrastructure. Lending protocol Morpho, TON’s execution layer TAC, and strategy provider Re7 handle the heavy lifting. Users see a simple interface. The complex mechanics stay hidden in the background.
Returns are variable. USDT vaults offer dollar-based strategies with different risk levels. Bitcoin and Ether vaults extend the same structure to the two largest cryptocurrencies. Telegram says the goal is simple: make onchain yield available to everyday users.
Direct deposits of native BTC and ETH are coming. These assets will appear in wrapped form inside the TON ecosystem to enable earning and transfers. Wrapped assets are tokens that represent original coins on another blockchain.
Wallet in Telegram reports over 150 million registered users. If even a fraction clicks “earn,” DeFi could see a serious traffic spike.
Revenue and Ecosystem Growth
The launch comes as Telegram reports strong revenue growth. The company generated $870 million in the first half of 2025. Around $300 million came from exclusivity deals tied to Toncoin.
Telegram is also expanding payments. TON Foundation recently introduced TON Pay, a toolkit that allows merchants to accept crypto directly inside Telegram Mini Apps.
DeFi inside your group chat. That was not on the bingo card five years ago.
Footnotes:
DeFi: Decentralized finance protocols that run on blockchain networks without traditional banks.
Self-custody: Holding your own private keys instead of trusting a third party.
Wrapped assets: Tokenized versions of coins used on different blockchains.
