Affluent: Infrastructure for Trustless Asset Management

Affluent brings one-click DeFi to Telegram by facilitating yield on crypto assets including Bitcoin, tokenized gold, and tokenized real world assets

Jun 13, 2025

Affluent was formerly known as Factorial Finance during its initial alpha phase. Now rewriting the rules of asset management and decentralized finance, with Telegram’s billion-user ecosystem as its launchpad, Affluent is merging the best of Web3 finance with one of the world’s most powerful distribution platforms.

But this isn’t just another DeFi protocol. Affluent is setting a new standard. From institutional-grade Bitcoin-backed yield strategies to real-world assets like T-bills, Private Credit, and Gold, it’s building a decentralized financial infrastructure that rivals the legacy systems, and it’s doing it all without intermediaries and trust assumptions.

The BTCFi Breakthrough: Upcoming Bitcoin Yield Inside Telegram

As BTCFi gains momentum the likes of Coinbase, Morpho, and Cantor Fitzgerald have begun experimenting with BTC-backed products. But the real game-changer comes from Affluent and its partnership with Solv.

Solv, one of the most respected BTCFi asset managers, is integrating directly into the TON ecosystem through Affluent. With BTC-collateralized borrowing already in the pipeline, Telegram users will soon unlock:

Institutional-grade BTC yield products
xSolvBTC — a native, yield-bearing Bitcoin asset
Access DeFi yield and maximize earning potential with tgBTC

The kicker? With smart incentive & rewards alignment, and Solv bringing its own liquidity, infrastructure, and token ecosystem, making this expansion not only powerful but sustainable.

Strategy Vaults: Hedge Fund Firepower, Zero Trust Required

At the core of Affluent’s architecture is its Strategy Vault, a modular, permissionless system that brings institutional-level strategies to retail users without sacrificing decentralization.

Every vault operates under smart contract logic with predefined parameters. Vault managers are bound to whitelisted assets and strategies, with any changes of policies by the owner subject to time-lock and veto protections via guardian oversight. No human discretion, no opaque calls, just verifiable logic.

Among its flagship products:

TON Multiply Vault: Looping LSTs to amplify staking yields with leverage up to 400%. Virtually no liquidation risk.
USDT Multiply Vault (Coming Soon): Stablecoin-denominated, delta-neutral yield engine that automatically hedges market exposure. Ideal for users seeking risk-adjusted returns in USDT.

This isn’t yield farming, this is DeFi infrastructure on autopilot, fortified by real-world professionals, and governed by transparent smart contracts.

Human Intelligence Meets Automated Precision

Affluent blends the best of both worlds. Professional managers bring adaptive strategies that evolve with the market, while automation ensures flawless execution without emotional bias. Proof-of-Reserve systems, transparent on-chain actions, and disciplined risk management create an environment where trust isn’t asked for, it’s architected.

And while other protocols rely on unsustainable incentives to stay afloat during low demand periods, Affluent looks elsewhere: real-world yield.

Affluent Points

Affluent is launching a points program to incentivize users for various activities across the first rolling out of Strategy Vaults.

RWAs and Payment Rails: Your Vault Is Your Wallet

The next frontier in DeFi is clear, making productive assets spendable.

Affluent is onboarding Real-World Assets (RWAs) like U.S. Treasuries and Tokenized Telegram Bond into its vault system. These assets don’t just earn, they work. Via upcoming integration within Telegram and RFQ-based payment infrastructure, users can earn yield from BTC, Gold, and T-bills while using those same assets to make payments globally.

From everyday transactions to cross-chain asset routing, Telegram is transforming into a crypto-native super app, and Affluent is the protocol powering its financial core.

A DeFi Renaissance: From Obscure Tools to Mainstream Simplicity

Gone are the days of clunky wallets and obscure protocols. Affluent is bringing intuitive, user-first design to a sector long plagued by complexity.

Simplicity: One wallet. One tap. One Telegram app.
Scale: Distribution to hundreds of millions via Telegram’s emerging market dominance
Composability: A seamless ecosystem that combines tgBTC, xSolvBTC, LSTs strategies, and Vault-of-Vaults architecture into one fluid platform

What Comes Next: A Tidal Wave of Innovation

The transformation from Factorial to Affluent is more than branding, it’s the dawn of a new financial phase.

Coming soon:

BTCFi-native lending vaults and BTC-denominated LP markets
Gold and T-bill integration for inflation-resistant portfolios
A global “DeFi Simplified” campaign to educate and onboard the next generation of Telegram-native users

This is the moment where Telegram becomes the main playground for DeFi, and Affluent is the decentralized finance engine driving it forward.

Final Thoughts: If DeFi Ever Needed a Hero, It’s Now

The crypto world has long dreamed of trustless, composable, user-first finance. Affluent delivers on that dream, not in whitepapers, but in code, partnerships, and real yield.

This isn’t just a new product. This is the blueprint for the future of finance.