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Home DeFi

Telegram and TON Are Changing Web3 Finance Without Building a New Bank

Morgan Blockwell by Morgan Blockwell
July 12, 2025
in DeFi
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Telegram and TON are making crypto tools easier to use by adding them directly into apps people already use.

  • TON lets people use crypto tools inside Telegram without needing other apps.
  • Over 100 million TON wallets already exist, with 1 billion Telegram users.
  • Ethena and other partners are helping grow this system with real utility.

Telegram Makes Crypto Easy for Everyone

Telegram, one of the world’s most popular messaging apps, is working with The Open Network (TON) to change how people use crypto. Instead of building new apps or websites, they add crypto tools directly inside Telegram. This helps more people access crypto without needing to learn new systems.

One Billion Users, One Simple Interface

TON now has over 100 million wallets. Because Telegram already has more than 1 billion users, people can send, receive, and earn crypto without leaving the app. No downloads. No new accounts. It works the way they already use chat.

New Crypto Options Already Working

Some new features include the Ethena (USDe) savings tool. This lets users deposit tokens and start earning with just a few taps. They don’t need to understand complicated steps like staking or liquidity pools. Telegram users will also be able to store Bitcoin (via tgBTC) and even access Tether Gold, backed by real gold in Swiss vaults.

Why This Matters for DeFi

Decentralized finance (DeFi) was once focused on high returns and tech tools. But those features were hard for regular users. Now, the focus is on making things simple. With Telegram’s Mini Apps and built-in wallets, DeFi works more like normal mobile apps. The easier it feels, the more people can use it.

The Future of Finance Is Embedded

This isn’t just about tools. TON and Telegram are building a new way to access money and services. Soon, users may have AI assistants inside Telegram that help them manage crypto, make payments, and borrow or save money. All of this happens in the chat interface they already know.

What Comes Next

Projects that try to get users to switch apps may fall behind. The trend is shifting to services that meet users where they already are. For TON and Telegram, that means turning a chat app into a full financial system — without making users do anything new. That’s a major shift in Web3 banking.

Source: cointelegraph.com

Tags: embedded defiethena usdetelegramtgbtcton blockchain

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