Compass Investments

– TON Wallet now offers built-in vaults for earning on BTC, ETH and USDT.

– Telegram expands its payment options by integrating direct access to DeFi yields.

the Telegram-linked cryptocurrency wallet TON Wallet has introduced non-custodial yield vaults, allowing owners to earn Bitcoin, Ethereum and Tether without leaving the app. This feature transforms the wallet function from a simple tool for transferring and storing assets to a platform for generating income through a decentralized financial infrastructure.

TON Wallet has implemented these vaults through integration with external DeFi providers rather than through in-house development. This allows users to place their BTC, ETH or USDT in structured schemes while maintaining full control over their funds. According to the details provided, the most favorable schemes for USDT can currently offer yields of up to 18% per annum, depending on market conditions.

Income mechanism is based on a partnership with Morpho and Re7. Morpho provides access to credit markets and underlying execution, while Re7 is responsible for developing and managing income-generating allocation strategies. TON Wallet acts as a convenient gateway that links user investments to blockchain activity.

This release highlights a trend: consumer apps are beginning to embed decentralized finance features, eliminating the need for users to learn complex tools. TON Wallet provides access to revenue-generating tools right in the familiar environment, lowering the entry threshold for those who want to profit on the blockchain.

Telegram already supports crypto payments, bots and mini-apps for its vast international audience. With the addition of yield vaults, the wallet expands the scope of cryptocurrencies beyond transactions, allowing users to not only move but also grow their capital.

The architecture provides a clear division of responsibilities: the TON Wallet is responsible for storage and user interaction. Morpho provides liquidity at the protocol level, while Re7 oversees strategy development and risk management. This separation allows specialized teams to handle the technical complexity, while users interact with the most simplified interface possible.

In a market context, this approach reflects a general change: wallets are increasingly becoming entry points to decentralized markets where the financial logic itself is executed by underlying protocols. This model accelerates adoption, but also increases dependence on the reliability of strategists.

While high returns are attractive, they also come with potential risks. USDT schemes claiming up to 18% per annum reflect current market opportunities rather than a guaranteed outcome.

Vaults for BTC and ETH typically use less risky methods, such as lending or providing liquidity, instead of aggressive incentives. However, all options remain subject to market volatility and execution risks.

The changes made to the TON wallet do not involve placing funds under centralized control. Users continue to own their assets (self-storage), while strategies are executed directly on the network. Nevertheless, participants remain dependent on the stability and security of the underlying protocols.

This launch marks a paradigm shift in how ordinary users access decentralized finance. Generating passive income no longer requires the installation of separate DeFi applications or complex customization. It’s now integrated into a single interface along with messaging, payments and other digital services.