Telegram Turns DeFi With New Yield Options for BTC and ETH

• The yield feature is powered by DeFi protocols like Morpho, TAC, and Re7.
• USDT vault is offering high returns as some strategies are hitting up to 18% APY.
• TON Wallet has 150+ million users, with over 100 million already funded their wallets

Telegrams built-in, self-custody crypto TON Wallet just rolled out a way for users to earn interest on their Bitcoin, Ethereum, and USDT, bringing DeFi-style returns straight to everyday messaging app users. The feature allows users to drop their crypto into vaults that earn variable yield through on-chain strategies.

According to Telegram, the yield feature taps into DeFi protocols like Morpho, TAC, and Re7, which handle the lending, asset management, and risk side of things.

The USDT vault is offering especially high returns as some strategies are hitting up to 18% APY. There are also vaults for Ethereum and Bitcoin, so holders of the biggest cryptos can earn yield as well.

The announcement marks a big shift for Telegram‘s wallet since it’s no longer just for storing crypto, but a real entry point into DeFi. Andrew Rogozov, CEO of The Open Platform and Wallet in Telegram, said the vaults help connect complex DeFi tools with hundreds of millions of everyday users.

He stated:

Telegrams crypto wallet has over 150 million users, and more than 100 million have already funded their wallets using chains like Ethereum, Solana, or Tron. That gives the messaging app one of the biggest built-in audiences in the world to roll out DeFi products to.

Telegrams Crypto Expansion

The yield feature follows a series of upgrades to Telegrams crypto setup. Earlier in February, it added cross-chain deposits so that users can move assets between blockchains without having to manually bridge them, making everything smoother and easier to use.

Telegram has also been building out its “Earn” tools since 2025, starting with yield on Toncoin, then slowly adding support for other assets such as USDT and Ethereum.

This push into yield-generating crypto is part of Telegrams bigger play – turning the messaging app into a full-on Web3 super app.

By combining messaging, payments, trading, and now DeFi yields into one platform, Telegram is becoming a big gateway for everyday people getting into crypto. If it keeps growing, it could bring a wave of new users into DeFi, especially those who never had an easy way in before.