💎 The era of stablecoins

Just a few years ago, stablecoins were mainly used to settle speculative crypto trades. But by 2025, they have evolved into a global payment infrastructure with low costs and fast transactions.

According to analysts, approximately $46 trillion in transactions were processed through stablecoins over the past year. This is nearly three times the volume of Visa and comparable to the throughput of the world’s largest banking systems.

In 2025, the total stablecoin supply surpassed $300 billion for the first time. By 2030, the market could grow by more than 10x🔝

The focus of the crypto industry is gradually shifting away from speculative assets, and moving toward payment infrastructure and everyday usability. Today, stablecoins are increasingly used as a base asset for more structured money management and capital preservation.

How exactly does this work? We’ll share more details soon 👀

DeFi carries risks — do your research before using. This communication is not intended for persons in the United Kingdom.

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Sentora Vault (RLUSD/PYUSD) is Now Live!

1. Introduction

Sentora Vault is the first Meta Vault product in the TON Ecosystem, enabling Telegram users to access Ethereum-native stablecoin yield without leaving TON.

By abstracting away bridging, gas fees, and DeFi complexity, Sentora Vault allows users to earn rewards on RLUSD and PYUSD, utilizing USDT as the sole deposit and withdrawal asset, delivering sustainable high yield through a fully compliant and risk-managed structure.

2. Overview

• Sentora Vault is a stablecoin yield vault built on Affluent, designed specifically for Telegram Wallet users.

• It enables users to earn high-quality, institution-grade rewards denominated in RLUSD and PYUSD, both fully fiat-backed stablecoins, while depositing and withdrawing exclusively in USDT.

• All cross-chain execution, asset minting, and yield generation occur trustlessly in the background, removing technical friction and lowering the barrier to cross-chain DeFi participation.

3. Core Value

• Frictionless User Experience:
- No manual bridging, no Ethereum gas fees, and no complex DeFi interactions
- Users interact exclusively with USDT (soon) inside Telegram Wallet
- The experience is as simple as: Deposit USDT → Earn RLUSD / PYUSD rewards

• Optimized & Stable Returns:
- Rewards are generated through Ethereum-native strategies
- Yield is denominated in RLUSD and PYUSD, providing exposure to regulated, fiat-backed stablecoins

• Security & Governance First:
- Smart contracts audited by a tier-1 auditor (Trail of Bits)
- Governed by a multisig

This structure ensures shared control, operational transparency, and robust risk oversight.

4. Vault Structure & Operation

• Deposit & Withdrawal Mechanics:
- Deposits and withdrawals are supported exclusively via USDT
- Direct minting or burning of RLUSD or PYUSD by users is not permitted
- All actions are processed through queued execution to ensure security, compliance, and controlled liquidity management

• Cross-Chain Execution:
- Deposited USDT is bridged out by the Vault Manager
- USDT is used to mint: Euler RLUSD Vault Tokens, Euler/Morpho PYUSD Vault Tokens on Ethereum (minted vault tokens are then bridged back to TON)

5. Vault Specifications

• Depositable/Withdrawable Asset:
- USDT only
- Queued deposit and withdrawal required (no instant execution)
- Deposit: processed 1 to 2 times a week
- Withdraw: processed 1 time a week

• Whitelisted Assets:
- USDT
- EulerVault (RLUSD, PYUSD)
- MorphoVault (PYUSD)

• Leverage & Exposure:
- 100% exposure cap
- Non-leveraged, principal-preserving structure

• Financial Terms:
- Management Fee: 0.50% per annum
- Queued Withdrawal Fee: 0.10%
- Oracle Pricing: USDT, RLUSD, and PYUSD are hard-pegged at $1 (this protects users against temporary secondary-market depegs and oracle volatility)

6. Queued Execution Framework

• Deposit Queue:
- Users submit USDT into a deposit queue
- Deposits are batch-processed 1 to 2 times per week
- Vault tokens are minted and distributed once execution is completed

• Withdrawal Queue:
- Withdrawals are supported only via the queue
- Processed 1 time per week on a 7-day cycle, ensuring orderly liquidity management

7. Operational Flow & Responsibilities

• User Flow:
- Deposit: Submit USDT into the deposit queue and receive vault tokens after batch execution
- Withdraw: Submit a withdrawal request to the weekly queue (USDT is returned once the cycle is completed)

• Vault Manager Responsibilities
- Compliance & Risk Controls: Screens all queued deposits against Elliptic sanctions databases via Guardian before execution
- Strategy Execution: Executes USDT → RLUSD / PYUSD minting via Curve (handles direct minting and burning via Euler & Morpho)
- Administration: Claims rewards using Ethereum-linked operational accounts (manages weekly withdrawal queues and cross-chain settlement)

🟩 Affluent:
Earn | Website | App | Telegram Mini App | Telegram (Announcement) | Telegram (Community) | X (Twitter) | Blog (Substack) | Linkedin

🪙 Stablecoins as an earning tool

TON Wallet already offers a simple way to use stablecoins for passive growth — a Dollar earning program with up to 4% APY. We see strong interest in this feature, but it represents only a small part of what the market can offer today.

This is where DeFi — decentralized finance protocols — come into play. In DeFi, stablecoins are placed into liquidity pools, lending services and other platforms. The yield in these systems is generated by protocol activity and demand for liquidity, rather than by asset price appreciation.

At the same time, accessing DeFi often requires an understanding of blockchain technology, complex interfaces, and protocol mechanics. For many users, this becomes a barrier — even if the idea of earning with stablecoins itself is appealing.

That’s why the TON Wallet team is exploring ways to make these scenarios simpler and more accessible for our users. Before moving forward, we’d love to hear your thoughts in the poll under this post✏️

DeFi carries risks — do your research before using. This communication is not intended for persons in the United Kingdom.

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💎 Strategies with a balanced risk approach

We see growing interest in stablecoins not only as a payment tool, but also as a way to manage capital more systematically. That’s why we’d like to share a bit of what we’re working on next.

We’re currently developing a new format built around a diversified approach to risk. It will be similar to familiar Earn programs, but with deeper logic under the hood. We plan to use different protocols to allow you to choose strategies with different expected returns and risk levels — without the need to understand DeFi mechanics on your own.

There will be no need to dive into protocol details, set up positions or monitor technical parameters. You’ll simply choose a strategy based on your risk preference.

We’re getting close, so let’s show the development team some love ❤️

DeFi carries risks — do your research before using. This communication is not intended for persons in the United Kingdom.

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💎 Trade Bitcoin and Ethereum in TON Wallet

We’ve added the two legendary crypto assets Bitcoin and Ethereum to TON Wallet. You can now store, send and use BTC and ETH as easily as sending a message.

Bitcoin and Ethereum are the foundation of the crypto economy: BTC accounts for around 59%, while ETH represents another 11% of the total market capitalization of cryptocurrency.

✏️ How it works

ETH and BTC are launched as wrapped assets — which means they’re fully backed and can be used across TON ecosystem. Native Bitcoin and Ethereum networks are not directly supported.

✅ ETH is available as wETH — a TON-based token backed by ETH on a 1:1 basis.
✅ BTC is available as cbBTC — a token backed 1:1 by Bitcoin and issued by Coinbase.

You can purchase these assets in the Swap section.

Now TON Wallet users can hold the most popular assets TON, Bitcoin and Ethereum in one wallet, directly inside Telegram 📱

Investments in crypto are risky. This communication is not intended for persons in the United Kingdom.

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💎 1:1 USDT and USDC deposits from other networks

You can now top up your TON Wallet with stablecoins and popular crypto assets directly from other networks. TON Wallet automatically processes the deposit and credits your balance. Thanks to the integration with swaps.xyz by MoonPay, stablecoins are converted at a 1:1 ratio.

For example, you can send 100 USDC on Arbitrum and receive 100 USDT on TON in your TON Wallet.

🪙How it works with stablecoins

● On the TON Wallet main screen, tap Deposit
● Select a deposit method Stablecoins
● Choose a token, such as USDC
● Select the network — currently supported: Ethereum, Arbitrum, Base, Polygon, BSC, Tron and Solana
● Copy the address and send your funds to this address from another wallet.

Done! After a short time, your deposit will be converted and credited as USDT on the TON network at a 1:1 rate.

Please note: deposit addresses are single-use. A new address is generated for each deposit.

BTC, ETH, and SOL deposits from other networks can be used in the same way to top up TON Wallet — the deposit will be instantly converted into TON 💎

No need to understand blockchain specifics, look for bridges or use third-party services. Just send funds to the provided address — TON Wallet handles the rest 💎

swaps.xyz is a third-party protocol, not operated by TON Wallet. DeFi carries risks — do your research before using. This communication is not intended for persons in the United Kingdom.

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🔥 Portfolio Liberation Unclocked: Enter The World Of xStocks!

stonfiers, the wait is over! Portfolio Liberation educational campaign has officially launched with xStocks and TON Wallet, opening access to tokenized representations of traditional assets inside DeFi — and a $50,000 reward pool to drive the journey.

Complete challenges, build your rank, unlock multipliers, and explore step-by-step how xStocks work within a DeFi-native environment.

💰 What's in it for you?
• $50,000 reward pool distributed based on points earned
• Structured campaign challenges introducing you to the world of xStocks
• Educational activities to help you understand DeFi portfolios
• Rankings and multipliers that let you climb higher and increase your rewards: the more you learn and engage, the more you can get

🎓 Why join?
This is an educational campaign designed to give you hands-on experience with xStocks on STON.fi. Whether you’re exploring tokenized traditional assets for the first time or expanding beyond crypto-native exposure, this is your gateway.

📅 Campaign timeline:
February 12 — March 5

The door to an always-on portfolio is open — are you stepping in?

🔗 Begin your Portfolio Liberation journey 🔗

Stay tuned!

#LiberationStory #DeFiPortfolioRevolution

⚠️ xStocks are not available to citizens or residents of the United States, any EU/EEA member state, the United Kingdom, Canada, Australia, Belgium, or any other jurisdiction where access to tokenized securities or assets is restricted or prohibited.

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