智能银行，defi super-app，电报：群众的一键式加密？

探索智能银行，Defi Super-Apps和Telegram革新加密采用的潜力的融合，重点是富裕的创新方法。

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

智能银行，defi super-app，电报：群众的一键式加密？

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.

电报正在迅速发展为超级应用，而Defi正在追赶。让我们了解如何利用Telegram的覆盖范围，而Ton的区块链则以其智能银行的愿景将Defi带入大众。

The Rise of the DeFi Super-App on Telegram

电报上的Defi Super-App的兴起

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.

电报吹嘘超过10亿个每月活跃用户，而不仅仅是消息传递应用程序。它正在转变为超级应用，而财务应用是这种发展的关键。富裕的目标是处于最前沿，直接在电报中提供一键式储蓄解决方案。通过抽象传统defi的复杂性，富裕希望将分散的储蓄放在每个电报用户的口袋中。

Affluent: Bridging the Gap Between DeFi and Mainstream Users

富裕：弥合Defi和主流用户之间的差距

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.

富裕的方法围绕简单性和可访问性。核心创新在于其战略保险库和保险库管理器系统。这些金库平衡了自动化的智能合同分配与人类投资组合的监督，从而可以进行动态风险管理和收率优化。这种技术和专业知识的融合旨在为主流带来无信任的资产管理。

Key Features and Innovations

关键特征和创新

• 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

吨区块链和电报的生态系统

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.

开放平台（TOP）是开发电报吨区块链应用程序的关键参与者，最近筹集了2850万美元，以10亿美元的价格估值。 TOP专注于建立基础设施和面向消费者的应用程序，旨在在全球范围内扩展加密货币。通过将Ton的区块链与Telegram的覆盖范围相结合，最高的目标是登上十亿用户到达加密货币。

Navigating the Regulatory Landscape

导航监管景观

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.

将令牌化的现实资产和贷款带到电报需要仔细的全球监管框架。富裕人士的非监护设计与新兴的监管要求保持一致，以及与椭圆机等公司的合作伙伴关系，可确保合规性，并使机构参与者有信心部署资本。

The Future of DeFi on Telegram

电报上的defi的未来

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.

富裕的路线图包括TVL（总价值锁定），机构合作伙伴关系和新资产推出的目标。要观看的关键指标包括稳定的利用率，表明在电报中采用富裕的主要储蓄应用程序。目的是通过使用户成为习惯性，重复用户的无信任货币市场应用程序的用户来建立持久的遗产。

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

最终想法：Telegram是大规模采用的关键吗？

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的庞大用户群及其发展为超级应用程序，使其成为将Defi带入大众的理想平台。富裕的创新方法将用户友好的接口与强大的风险管理相结合，可能是解锁广泛采用的关键。这是一个大胆的愿景，但可以改变defi和更广泛的电报生态系统。只有时间可以证明他们是否可以将下一个百万用户链接起来并将其保留在那里。这是纽约上车的一分钟。你还在等什么？