電報，噸和加密採用：嵌入式融資的新時代

探索電報和噸如何通過將金融服務直接嵌入其平台中，從而徹底改變加密的採用，從而使更廣泛的受眾訪問加密貨幣。

Telegram and TON are changing the game in crypto adoption by seamlessly integrating financial services into their ecosystems. This innovative approach leverages massive user bases and simplifies user experience, marking a pivotal shift in the world of Web3 finance.

Telegram和Ton通過將金融服務無縫整合到其生態系統中，改變了加密採用的遊戲。這種創新的方法利用了大量的用戶基礎並簡化了用戶體驗，這標誌著Web3金融世界的關鍵轉變。

The Rise of Embedded Finance

嵌入式金融的興起

The traditional model of standalone Web3 neobanks is fading. Instead, the future lies in embedding financial services within platforms users already use daily. Telegram and TON are leading this charge by integrating crypto banking features directly into their ecosystems, eliminating the need for users to adopt new interfaces or manage multiple wallets.

獨立Web3 Neobanks的傳統模型正在褪色。相反，未來在於將金融服務嵌入到已經每天使用的平台用戶中。 Telegram和Ton通過將加密貨幣銀行功能直接集成到其生態系統中來領導這一收費，從而消除了用戶採用新界面或管理多個錢包的需求。

TON: Building an Invisible Financial Layer

噸：建立一個看不見的財務層

TON is constructing a comprehensive financial ecosystem that operates invisibly within existing platforms. The integration of Ethena and Tether Gold provides users with onchain access to tokenized assets, including gold stored in Swiss vaults. Soon, tgBTC will enable native Bitcoin transactions within Telegram, creating a seamless interaction with digital assets without separate applications or wallets.

Ton正在構建一個全面的金融生態系統，該系統在現有平台內不可看不及。 Ethena和Tether Gold的集成為用戶提供了對令牌化資產的訪問，包括存儲在瑞士保險庫中的黃金。很快，TGBTC將在電報中啟用本地比特幣交易，從而與沒有單獨的應用程序或錢包的數字資產進行無縫交互。

Telegram: Owning the Interface

電報：擁有界面

While many blockchain projects compete on metrics like throughput and fees, Telegram has secured a critical advantage by owning the interface layer. Through Telegram Mini Apps, bots, and built-in wallets, financial services become an integral part of everyday communication. This integration exemplifies true mainstream adoption: minimal friction, intuitive flows, and finance that feels as natural as messaging.

儘管許多區塊鏈項目都競爭諸如吞吐量和費用之類的指標，但Telegram通過擁有接口層獲得了關鍵的優勢。通過Telegram迷你應用程序，機器人和內置錢包，金融服務成為日常通信的組成部分。這種整合體現了真正的主流採用：最小的摩擦，直觀的流動和金融，感覺就像是自然的消息傳遞。

From APYs to Attention: The New DeFi Landscape

從APY到注意力：新的Defi景觀

The early DeFi landscape focused on yield maximization and complex strategies. However, the next chapter emphasizes user attention and participation within familiar environments. Telegram’s embedded financial services allow users to engage with DeFi effortlessly, without the steep learning curve.

早期的Defi景觀集中在產量最大化和復雜策略上。但是，下一章強調用戶在熟悉的環境中的關注和參與。 Telegram的嵌入式金融服務使用戶可以毫不陡峭的學習曲線與Defi互動。

Looking Ahead: AI and the Future of Finance

展望未來：AI和財務的未來

TON’s roadmap includes integrating AI agents to serve as personal financial assistants, simplifying transactions and decision-making. Bitcoin’s role within Telegram is set to expand beyond a store of value to encompass lending, payments, and more. This evolution underscores a fundamental industry shift: success in Web3 finance will come from embedding services within existing platforms rather than competing as standalone entities.

Ton的路線圖包括將AI代理集成為個人財務助理，簡化交易和決策。比特幣在電報中的作用將擴展到超越價值存儲，以包含貸款，付款等。這種演變強調了一個根本的行業轉變：Web3財務的成功將來自現有平台內的嵌入服務，而不是作為獨立實體競爭。

Final Thoughts

最後的想法

The integration of Web3 finance into platforms like Telegram and TON is more than just a trend—it's a revolution. By prioritizing user experience and leveraging existing audiences, these platforms are setting new standards for mainstream adoption. Who knew that managing your crypto could be as easy as sending a Telegram message? The future of finance is here, and it's embedded. Now, if you'll excuse me, I'm off to explore the possibilities. Catch you on the flip side!

將Web3財務集成到電報和TON等平台中不僅僅是一種趨勢，而是一場革命。通過優先考慮用戶體驗並利用現有受眾，這些平台為主流採用設定了新的標準。誰知道管理加密貨幣可能像發送電報消息一樣容易？財務的未來就在這裡，並且已經嵌入。現在，如果您能原諒我，我將要探索可能性。抓住你的另一側！