Former TON Foundation executives will bring trustless crypto asset management to Telegram

Affluent was initially named Factorial Finance during its Alpha phase. Today, the platform is leveraging the billion-user ecosystem of Telegram to rewrite the rules of asset management and DeFi.

Affluent is setting new standards. From institutional-grade Bitcoin staking yield strategies to RWA such as U.S. Treasuries, private credit, and gold, it is building a decentralized financial infrastructure that rivals traditional systems, all without intermediaries and trust assumptions.

BTCFi Breakthrough: Bitcoin Yields Coming to Telegram

With the rise of BTCFi, institutions like Coinbase, Morpho, and Cantor Fitzgerald have begun experimenting with Bitcoin-based products. Affluent is also participating in this wave of transformation through its partnership with Solv.

The highly anticipated BTCFi asset management firm Solv is directly connecting to the TON ecosystem via Affluent. The Bitcoin collateral lending feature is about to launch, and Telegram users will soon be able to unlock:

● Institutional-grade Bitcoin yield products

● xSolvBTC --- a native yield-bearing Bitcoin asset

● Access DeFi yields and maximize profit potential through tgBTC

What's the key? With intelligent incentive and reward coordination mechanisms, along with Solv introducing its own liquidity, infrastructure, and token ecosystem, this expansion is ensured to be robust and sustainable.

Strategy Vault: Hedge Fund-Level Power, Zero Trust Requirements

At the core of Affluent's architecture is its Strategy Vault ------ a modular, permissionless system that brings institutional-grade strategies to retail users without sacrificing decentralization.

Each vault operates under smart contract logic, adhering to preset parameters. Vault managers are limited to operating assets and strategies within a whitelist, and any strategy changes by the owner must go through time-lock protection and are subject to veto power under the supervision of a Guardian. There is no human discretion, no ambiguous operations, only verifiable logic.

Its flagship products include:

● TON Multiplier Vault: Cyclic liquidity staking tokens (LSTs) amplify staking yields with up to 400% leverage, with almost no liquidation risk.

● USDT Multiplier Vault: Priced in stablecoins, it achieves Delta-neutral yield through automatic hedging of market exposure, suitable for users seeking U-based risk-adjusted returns.

This is not liquidity mining, but an automated DeFi infrastructure governed by transparent smart contracts and backed by real-world professionals.

Integration of Human Intelligence and Automated Precision

Affluent merges the strengths of both. Professional managers bring strategies that adapt to market changes, while automation ensures precise execution without emotional bias. Proof-of-Reserve systems, transparent on-chain operations, and strict risk management collectively create an environment that does not require trust to be solicited but is guaranteed through architecture.

While other protocols rely on unsustainable incentives during low-demand periods, Affluent takes a different approach: leveraging Real-World Yield.

Affluent Points Program

Affluent will launch a points program to incentivize user participation in various activities during the initial rollout of the Strategy Vault.

Real-World Assets (RWA) and Payment Channels: Vaults as Wallets

The next frontier of DeFi is clear: making yield-bearing assets payable.

Affluent is incorporating U.S. Treasuries, tokenized Telegram bonds, and other RWAs into its vault system. These assets can not only earn yields but also be used for payments. Through the upcoming integration of RFQ-based payment infrastructure within Telegram, users will be able to directly use these assets for global payments while earning yields from Bitcoin, gold, and U.S. Treasuries.

From daily transactions to cross-chain asset routing, Telegram is transforming into a crypto-native super app, and Affluent is one of the underlying protocols driving its financial core.

DeFi Renaissance: From Obscure Tools to Mainstream Usability

The era of complex wallets and obscure protocols is gone. Affluent is introducing intuitive, user-first design to a field long plagued by complexity.

● Simplicity: One wallet, one click, one Telegram app.

● Scalability: Leveraging Telegram's dominance in emerging markets to reach hundreds of millions of users.

● Composability: A seamless ecosystem that integrates tgBTC, xSolvBTC, liquidity staking token (LST) strategies, and the Vault-of-Vaults architecture into a unified, smooth platform.

Future Outlook: A Wave of Innovation Approaches

The transformation from Factorial to Affluent is not just a rebranding; it marks the dawn of a new financial era.

The project team is about to launch:

● Native BTCFi lending vault and Bitcoin-priced liquidity pool (LP) market

● Integration of gold and U.S. Treasuries to create an anti-inflation investment portfolio

● A global "DeFi Simplification" campaign to educate and guide a new generation of Telegram-native users

At this moment, Telegram is becoming the main stage for DeFi, and Affluent may be the decentralized financial engine driving it forward.

Conclusion: If DeFi Needs Heroes, Now is the Time

The crypto world has long pursued trustless, composable, and user-first finance. Affluent is making this dream a reality ------ not through white papers, but through code, collaboration, and real yields.

This is not just a new product; it also attempts to outline a blueprint for the future of finance.