💸 Affluent Turns Telegram Into a DeFi Bank — No Wallet, No Problem

Telegram isn’t just for alpha leaks anymore. Meet Affluent — a DeFi protocol built right inside your favorite messaging app One click. Passive yield. No dashboard required.

🧠 Built by DeFi and TradFi OGs

Behind Affluent are two serious hitters:

👨‍💼 Justin Hyun — ex-Investment Director at TON Foundation 📉 Hyung Lee — TradFi options trader + DeFi builder from B-Harvest

Together they’re creating a "smart crypto bank" inside Telegram. Think: BTC, tokenized gold, even U.S. Treasuries — earning yield via a chat.

No Metamask. No spreadsheets. No pain.

⚙️ From DeFi Chaos to Telegram Simplicity

DeFi is powerful — but let’s be honest, it’s a mess:

❌ Jargon ❌ Bridging hell ❌ Yield farms with rug-pull vibes

Affluent fixes that with its 🔐 Strategy Vaults — smart contracts that auto-allocate your crypto to the best-performing lending platforms.

🛠️ Robo-advisor UX 📈 Automated yield 🗨️ All inside Telegram

“Why should people need to understand the complexities of crypto when all they really want is to compound their savings?” — Justin Hyun

🧱 TradFi Safety, DeFi Speed

Affluent isn’t just chasing yield — it’s risk-engineered.

🧠 Vaults are isolated — no domino collapses 🧮 TradFi risk models baked in 🔍 Audited smart contracts = no hidden code traps

It’s DeFi with hedge fund logic and retail-friendly UX.

💼 Assets That Actually Matter

Affluent isn't playing around with meme coins. It’s starting with:

• TON (The Open Network’s native token)
• BTC
• Tokenized Gold (like Tether’s XAUT)
• Tokenized U.S. Treasuries

Coming soon: 💵 USDT vaults with delta-neutral strategies — aka earn yield without praying for bull runs.

🪂 Points = Airdrops. You Know the Game.

Affluent introduces Affluent Points (AP):

🎯 Earn points by depositing or interacting 🎁 Points = future airdrop potential 🧪 Inspired by: EigenLayer, Ethena, Blast

They’re not promising tokens… But if you know, you know.

📲 Why This Matters: Telegram Is Web3’s Front Door

900M+ users. Default home of crypto communities. Now — a banking interface.

Affluent is betting that the next billion users won’t need Metamask — they’ll just open Telegram.

And when crypto is this easy, your financial advisor might be a chat bubble.

🧭 TL;DR

💰 Telegram-native DeFi app built on TON blockchain 👥 Created by ex-TON exec + TradFi trader 🔐 One-click vaults for BTC, Gold, U.S. Treasuries, stablecoins 🛡️ Built-in risk models, isolated vaults, third-party audits 🎯 Points system live — possible future airdrop 📱 UX-first: DeFi through chat, not dashboards

Welcome to the age of DeFi you can explain to your parents — in a text message.