Affluent was initially named Factorial Finance in its early Alpha phase. Today, the platform is starting from the Telegram billion-user ecosystem, committed to rewriting the rules of asset management and DeFi.
Affluent is setting new standards. From institutional-level Bitcoin staking yield strategies to RWA such as US Treasuries, private credit, and gold, it is building a decentralized financial infrastructure that can compete with traditional systems, without intermediaries and without trust assumptions.
BTCFi Breakthrough: Upcoming Bitcoin Yield on Telegram
With the rise of BTCFi momentum, institutions like Coinbase, Morpho, and Cantor Fitzgerald have begun exploring Bitcoin-based products. Affluent is also participating in this transformative wave through collaboration with Solv.
The highly anticipated BTCFi asset management institution Solv is directly accessing the TON ecosystem through Affluent. Bitcoin lending functionality is about to go live, and Telegram users will soon be able to unlock:
● Institutional-level Bitcoin yield products
● xSolvBTC — a native interest-bearing Bitcoin asset
● Access DeFi yields through tgBTC and maximize profit potential
What's key? Through intelligent incentive and reward synergy mechanisms, and Solv introducing its own liquidity, infrastructure, and token ecosystem, ensuring this expansion is powerful and sustainable.
Strategy Vaults: Hedge Fund-Level Capabilities, Zero Trust Requirements
At the core of Affluent's architecture is its Strategy Vault — a modular, permissionless system that can bring institutional-level strategies to retail users without compromising decentralization.
Each vault operates under smart contract logic, following preset parameters. Vault managers are limited to operating whitelisted assets and strategies, with any strategy changes by owners requiring time-lock protection and subject to veto rights under guardian supervision. No human discretion, no ambiguous operations, only verifiable logic.
Its flagship products include:
● TON Multiplier Vault: Recycling Liquid Staking Tokens (LSTs) with up to 400% leverage to amplify staking yields, with almost no liquidation risk.
● USDT Multiplier Vault: Denominated in stablecoins, a Delta-neutral yield engine achieved through automatic hedging of market exposure, suitable for users seeking USDT-denominated risk-adjusted returns.
This is not liquidity mining, but an automated DeFi infrastructure backed by real-world professionals and transparent smart contract governance.
Fusion of Human Wisdom and Automated Precision
Affluent combines the strengths of both. Professional managers bring strategies adaptive to market changes, while automation ensures emotionless, precise execution. Proof-of-Reserve systems, transparent on-chain operations, and strict risk management collectively build an environment that does not ask for trust but guarantees it through architecture.
While other protocols rely on unsustainable incentives during low-demand periods, Affluent takes a different path: leveraging real-world yield.
Affluent Points Program
Affluent will launch a points program to incentivize user participation in various activities during the initial Strategy Vault rollout.
Real-World Assets (RWA) and Payment Channels: Vaults as Wallets
The next frontier of DeFi is now clear: making interest-bearing assets payable.
Affluent is integrating US Treasuries, tokenized Telegram bonds, and other RWAs into its vault system. These assets not only generate yields but can also be used for payments. Through the soon-to-be-integrated, RFQ-based payment infrastructure within Telegram, users can earn yields on Bitcoin, gold, and US Treasuries while directly using these assets for global payments.
From daily transactions to cross-chain asset routing, Telegram is transforming into a crypto-native Super App, with Affluent being one of the underlying protocols driving its financial core.
DeFi Renaissance: From Obscure Tools to Mainstream Usability
The era of complex wallets/obscure protocols is gone. Affluent is introducing intuitive, user-first design to a domain long struggling with complexity.
● Simplicity: One wallet, one click, one Telegram app.
● Scale: Leveraging Telegram's dominance in emerging markets to reach hundreds of millions of users.
● Composability: Seamless ecosystem integrating tgBTC, xSolvBTC, Liquid Staking Tokens (LSTs) strategies, and Vault-of-Vaults architecture into a unified, smooth platform.
Future Outlook: Innovation Wave Approaches
The transformation from Factorial to Affluent is not just a brand rebrand, but marks the dawn of a new financial phase.
The project is about to launch:
● Native BTCFi lending vaults and Bitcoin-denominated liquidity pool (LP) markets
● Gold and US Treasury integration to create anti-inflationary investment portfolios
● Global "DeFi Simplification" campaign to educate and guide the new generation of Telegram-native users
At this moment, Telegram is becoming the home of DeFi, and Affluent may be the decentralized financial engine driving its progress.
Conclusion: If DeFi Needs a Hero, Now is the Time
The crypto world has long pursued trustless, composable, user-first finance. Affluent is realizing this dream — not through a white paper, but through code, collaboration, and real yield.
This is not just a new product, but an attempt to sketch the blueprint of financial future.
