Wallet in Telegram has rolled out a new on-chain yield feature, allowing users to earn returns on Bitcoin, Ethereum, and USDT directly inside the messaging app.
The update, as reported by The Block, introduces a vault-based system that lets users deposit assets into specific on-chain strategies and generate variable income without leaving the Telegram interface.
The move significantly expands Telegram Wallet’s “Earn” section and brings yield opportunities to more than 100 million active users. By integrating decentralized finance infrastructure directly into the app, Telegram is positioning its wallet as more than a simple storage solution – transforming it into a gateway for on-chain income generation.
The newly launched vaults cover three major digital assets: Bitcoin (BTC), Ethereum (ETH), and USDT. Users can deposit their holdings into dedicated strategies designed to generate returns through decentralized lending and liquidity markets.
The USDT strategy currently advertises annualized yields of up to 18%. This yield is generated through the Re7 USDT Morpho Vault, which leverages Morpho and TAC infrastructure to supply liquidity to high-yield lending markets.
Meanwhile, the addition of BTC and ETH vaults extends on-chain earning opportunities to the two largest cryptocurrencies by market capitalization, marking a notable expansion beyond stablecoin-based strategies.
The infrastructure behind the feature is powered by integrations within the TON Wallet ecosystem, including Morpho, TAC, and Re7 DeFi strategies. Users can access the vaults by opening the @wallet bot in Telegram, navigating to the “Earn” section, and selecting BTC, ETH, or USDT.
Telegram’s yield offering has evolved steadily over the past year. In early 2025, the platform first introduced flexible yield on Toncoin deposits, primarily generated through TON staking mechanisms.
By October 2025, the wallet expanded its Earn functionality through integration with the Affluent protocol, offering up to 3.5% APY on USDT holdings.
The February 2026 upgrade represents a significant jump in both scope and potential returns, lifting USDT yields to as much as 18% and incorporating Bitcoin and Ethereum into the yield ecosystem for the first time.
Recent infrastructure upgrades have also improved accessibility. On February 11, 2026, Wallet in Telegram enabled cross-chain deposits powered by MoonPay, allowing users to fund their TON Wallet with assets from networks such as Ethereum, Solana, and TRON without manually using blockchain bridges.
In addition to BTC, ETH, and USDT, the wallet supports Toncoin, Notcoin (NOT), DOGS, and tokenized versions of U.S. stocks and ETFs, broadening its appeal beyond traditional crypto users.
The platform operates with a dual structure. It offers a custodial “Crypto Wallet” for simplicity and ease of use, alongside a self-custodial “TON Wallet” designed for users who want full control over their assets and deeper interaction with the TON ecosystem.
As Telegram continues integrating decentralized finance tools into its messaging platform, the new vault-based yield system signals a push toward embedding on-chain financial services directly into mainstream social applications.
