电报，吨和加密采用：嵌入式融资的新时代

探索电报和吨如何通过将金融服务直接嵌入其平台中，从而彻底改变加密的采用，从而使更广泛的受众访问加密货币。

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通过将金融服务无缝整合到其生态系统中，改变了加密采用的游戏。这种创新的方法利用了大量的用户基础并简化了用户体验，这标志着Web3金融世界的关键转变。

The Rise of Embedded Finance

嵌入式金融的兴起

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.

独立Web3 Neobanks的传统模型正在褪色。相反，未来在于将金融服务嵌入到已经每天使用的平台用户中。 Telegram和Ton通过将加密货币银行功能直接集成到其生态系统中来领导这一收费，从而消除了用户采用新界面或管理多个钱包的需求。

TON: Building an Invisible Financial Layer

吨：建立一个看不见的财务层

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正在构建一个全面的金融生态系统，该系统在现有平台内不可看不及。 Ethena和Tether Gold的集成为用户提供了对令牌化资产的访问，包括存储在瑞士保险库中的黄金。很快，TGBTC将在电报中启用本地比特币交易，从而与没有单独的应用程序或钱包的数字资产进行无缝交互。

Telegram: Owning the Interface

电报：拥有界面

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.

尽管许多区块链项目都竞争诸如吞吐量和费用之类的指标，但Telegram通过拥有接口层获得了关键的优势。通过Telegram迷你应用程序，机器人和内置钱包，金融服务成为日常通信的组成部分。这种整合体现了真正的主流采用：最小的摩擦，直观的流动和金融，感觉就像是自然的消息传递。

From APYs to Attention: The New DeFi Landscape

从APY到注意力：新的Defi景观

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景观集中在产量最大化和复杂策略上。但是，下一章强调用户在熟悉的环境中的关注和参与。 Telegram的嵌入式金融服务使用户可以毫不陡峭的学习曲线与Defi互动。

Looking Ahead: AI and the Future of Finance

展望未来：AI和财务的未来

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的路线图包括将AI代理集成为个人财务助理，简化交易和决策。比特币在电报中的作用将扩展到超越价值存储，以包含贷款，付款等。这种演变强调了一个根本的行业转变：Web3财务的成功将来自现有平台内的嵌入服务，而不是作为独立实体竞争。

Final Thoughts

最后的想法

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!

将Web3财务集成到电报和TON等平台中不仅仅是一种趋势，而是一场革命。通过优先考虑用户体验并利用现有受众，这些平台为主流采用设定了新的标准。谁知道管理加密货币可能像发送电报消息一样容易？财务的未来就在这里，并且已经嵌入。现在，如果您能原谅我，我将要探索可能性。抓住你的另一侧！