智能銀行，defi super-app，電報：群眾的一鍵式加密？

探索智能銀行，Defi Super-Apps和Telegram革新加密採用的潛力的融合，重點是富裕的創新方法。

Smart Banks, DeFi Super-App, Telegram: One-Click Crypto for the Masses?

智能銀行，defi super-app，電報：群眾的一鍵式加密？

Telegram is rapidly evolving into a super-app, and DeFi is catching up. Let's dive into how Affluent is leveraging Telegram's reach and TON's blockchain to bring DeFi to the masses with its smart bank vision.

電報正在迅速發展為超級應用，而Defi正在追趕。讓我們了解如何利用Telegram的覆蓋範圍，而Ton的區塊鏈則以其智能銀行的願景將Defi帶入大眾。

The Rise of the DeFi Super-App on Telegram

電報上的Defi Super-App的興起

Telegram, boasting over a billion monthly active users, is becoming more than just a messaging app. It's transforming into a super-app, and financial applications are key to this evolution. Affluent aims to be at the forefront, providing one-click savings solutions directly within Telegram. By abstracting away the complexities of traditional DeFi, Affluent hopes to put decentralized savings in every Telegram user’s pocket.

電報吹噓超過10億個每月活躍用戶，而不僅僅是消息傳遞應用程序。它正在轉變為超級應用，而財務應用是這種發展的關鍵。富裕的目標是處於最前沿，直接在電報中提供一鍵式儲蓄解決方案。通過抽像傳統defi的複雜性，富裕希望將分散的儲蓄放在每個電報用戶的口袋中。

Affluent: Bridging the Gap Between DeFi and Mainstream Users

富裕：彌合Defi和主流用戶之間的差距

Affluent's approach is centered around simplicity and accessibility. The core innovation lies in its Strategy Vaults and Vault Manager system. These vaults balance automated smart-contract allocations with human portfolio oversight, allowing for dynamic risk management and yield optimization. This blend of technology and expertise aims to bring trustless asset management to the mainstream.

富裕的方法圍繞簡單性和可訪問性。核心創新在於其戰略保險庫和保險庫管理器系統。這些金庫平衡了自動化的智能合同分配與人類投資組合的監督，從而可以進行動態風險管理和收率優化。這種技術和專業知識的融合旨在為主流帶來無信任的資產管理。

Key Features and Innovations

關鍵特徵和創新

• One-Click Yield: Affluent strives to make DeFi as simple as “one-click” yield on Telegram, abstracting away complexities.
• Strategy Vaults: These vaults balance automated smart-contract allocations with human portfolio oversight.
• RFQ (Request for Quotation): Affluent's proprietary RFQ allows Vault Managers to work with market makers to swap assets in a fully trustless manner.
• Support for Wrapped Bitcoin: Affluent actively works on bringing DeFi use-cases for TON-wrapped Bitcoin to the Web3 ecosystem in Telegram.

TON Blockchain and Telegram's Ecosystem

噸區塊鍊和電報的生態系統

The Open Platform (TOP), a key player in developing applications for Telegram's TON blockchain, recently raised $28.5 million, valuing the company at $1 billion. TOP is focused on building infrastructure and consumer-facing apps on TON, aiming to scale crypto adoption globally. By combining TON's blockchain with Telegram's reach, TOP aims to onboard a billion users to crypto.

開放平台（TOP）是開發電報噸區塊鏈應用程序的關鍵參與者，最近籌集了2850萬美元，以10億美元的價格估值。 TOP專注於建立基礎設施和麵向消費者的應用程序，旨在在全球範圍內擴展加密貨幣。通過將Ton的區塊鏈與Telegram的覆蓋範圍相結合，最高的目標是登上十億用戶到達加密貨幣。

Navigating the Regulatory Landscape

導航監管景觀

Bringing tokenized real-world assets and lending to Telegram requires careful navigation of global regulatory frameworks. Affluent's non-custodial design aligns with emerging regulatory requirements, and partnerships with companies like Elliptic ensure compliance and provide institutional participants with the confidence to deploy capital.

將令牌化的現實資產和貸款帶到電報需要仔細的全球監管框架。富裕人士的非監護設計與新興的監管要求保持一致，以及與橢圓機等公司的合作夥伴關係，可確保合規性，並使機構參與者有信心部署資本。

The Future of DeFi on Telegram

電報上的defi的未來

Affluent's roadmap includes targets for TVL (Total Value Locked), institutional partnerships, and new asset launches. Key metrics to watch include stablecoin utilization rates, indicating the adoption of Affluent as a primary savings app within Telegram. The goal is to build a lasting legacy by bringing users on-chain who become habitual, repeat users of a trustless money markets app.

富裕的路線圖包括TVL（總價值鎖定），機構合作夥伴關係和新資產推出的目標。要觀看的關鍵指標包括穩定的利用率，表明在電報中採用富裕的主要儲蓄應用程序。目的是通過使用戶成為習慣性，重複用戶的無信任貨幣市場應用程序的用戶來建立持久的遺產。

Final Thoughts: Is Telegram the Key to Mass DeFi Adoption?

最終想法：Telegram是大規模採用的關鍵嗎？

Telegram's vast user base and its evolution into a super-app make it an ideal platform for bringing DeFi to the masses. Affluent's innovative approach, combining user-friendly interfaces with robust risk management, could be the key to unlocking widespread adoption. It's a bold vision, but one that could transform both DeFi and the broader Telegram ecosystem. Only time will tell if they can bring the next million users on-chain and keep them there. It's a New York minute to get onboard. What are you waiting for?

Telegram的龐大用戶群及其發展為超級應用程序，使其成為將Defi帶入大眾的理想平台。富裕的創新方法將用戶友好的接口與強大的風險管理相結合，可能是解鎖廣泛採用的關鍵。這是一個大膽的願景，但可以改變defi和更廣泛的電報生態系統。只有時間可以證明他們是否可以將下一個百萬用戶鏈接起來並將其保留在那裡。這是紐約上車的一分鐘。你還在等什麼？