Telegram’s TON Wallet adds BTC, ETH, USDT yield vaults up to 18%
TON Wallet began rolling out onchain yield vaults for BTC, ETH and USDT, offering USDT options up to 18% APY and integrations with Morpho, TAC and Re7.
Telegram’s embedded crypto wallet, TON Wallet, launched onchain yield vaults for Bitcoin, Ethereum and USDT. The vaults let users deposit assets into strategies designed to generate variable returns.
According to the company, the integration is supported by Morpho, TAC and Re7. Among the USDT options, the top-yield strategy advertises a blended annual percentage yield of up to 18% powered by a Re7 decentralized finance strategy. Returns can change over time.
Separate ETH and BTC vaults bring the feature to those assets, offering up to 3% APY on ETH and up to 2% APY on BTC. TON Wallet describes the vaults as self-custodial, meaning users retain control of their private keys while interacting with the strategies.
In a company statement, Andrew Rogozov, founder and CEO of The Open Platform, noted: “With Vaults in TON Wallet, we are bridging the gap between sophisticated DeFi protocols and hundreds of millions of users. Access to self-custodial vault strategies for ETH, BTC and USDT directly within TON ecosystem is a massive step toward making decentralized finance truly universal.”
Since 2024, developers have worked to draw Telegram’s audience into TON through products such as tap-to-earn games that promised token rewards. Activity later cooled, and some TON community members have criticized the ecosystem for favoring specific Mini Apps within Wallet in Telegram.
On Feb. 9, 2026, the TON Foundation launched TON Pay, a wallet-agnostic SDK for Telegram Mini Apps that lets merchants accept Toncoin and USDt in a single checkout with sub-second targets and average fees under $0.01. The rollout focused on Mini Apps for Telegram’s over 1.1 billion monthly users, with plans to expand to web and other platforms. The roadmap includes subscriptions, gasless transactions and regional off-ramps, plus optional merchant tools, while compliance varies by venue and third-party providers handle custody and fiat conversion.
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