Telegram has activated its new 'Vaults' feature inside the TON Wallet, allowing users to allocate digital assets to on-chain strategies and earn passive income directly from the messaging app. Supported by The Open Platform (TOP), the initiative aims to turn Bitcoin, Ethereum and stablecoins from static holdings into active yield-generating instruments.
The flagship product is a USDT DeFi strategy powered by Re7, offering annual percentage yields (APY) of up to 18%. This competitive rate is likely to draw attention from both seasoned crypto investors and newcomers seeking a straightforward way to earn yields. Vaults also include tailored strategies for Bitcoin and Ethereum, with technical support from Morpho and TAC.
Users retain full control over their private keys and funds through a self-custodial model, while benefiting from institutional-grade protocols behind the scenes. This design appeals to security-conscious professionals and lowers the barrier for millions of Telegram users entering crypto for the first time.
Andrew Rogozov, CEO of The Open Platform, said: “This step will close the gap between sophisticated protocols and hundreds of millions of people.”
The launch comes after Telegram Wallet earlier experimented with blockchain-based mini-games and a 'click-to-earn' model in early 2026. As interest plateaued and community criticism mounted over unfair advantages for certain mini-apps, developers shifted toward a more sustainable framework. Vaults represent a pivot to delivering tangible, measurable returns hoping to restore ecosystem momentum.
Beyond a technical upgrade, the feature signals Telegram's broader ambition to transform a messaging platform into a financial super-app. As the lines between social communication and personal finance blur, industry observers are watching how far Telegram's financial push can extend.