Affluent V3: Cross-Chain Account, RWA Market Collateralization, and Enhanced Vault Features

From cross-chain execution accounts to RWA-aware risk controls, V3 establishes the operational foundation for scalable, capital-efficient DeFi inside Telegram Wallet.

Jan 21, 2026

Introduction

Affluent Protocol V3 marks a structural evolution of the protocol.

From a yield product into a cross-chain financial infrastructure designed for scale, resilience, and institutional-grade risk management. Building on our December roadmap, V3 introduces cross-chain execution accounts, real-world asset–aware collateral controls, and enhanced vault-level safeguards that collectively expand asset coverage while protecting lender capital.

These upgrades are not incremental features, but core operational primitives that enable Affluent to safely connect Telegram-native users to global liquidity, Ethereum-based yield opportunities, and on-chain representations of traditional assets, all within the familiar experience of Telegram Wallet.

Cross-Chain Account

Access to a wide range of yield opportunities: Securely transfer assets between the TON chain and external chains via Cross-Chain technology, enabling access to a broader array of DeFi yield opportunities.
Execution via dedicated proxy accounts: Cross-Chain Accounts deployed on external chains act as agents following commands from the TON Vault, ensuring secure and consistent operations.
Strict whitelist management: The Vault strictly adheres to predefined asset and protocol whitelists, preventing unauthorized holdings of abnormal assets at the source
Price deviation tolerance-based protection: If asset value deviates beyond set thresholds due to hacks, bugs, or abnormal slippage, transactions are immediately reverted to protect assets from abnormal losses.
Integrity Verification System: Thoroughly validates messages transmitted via messaging layers like LayerZero to prevent forgery or replay attacks, ensuring constant cross-chain state synchronization.

RWA Market Collateralization

Risk Diffusion Prevention: Temporarily suspends risk-increasing transactions like loans or collateral withdrawals when market prices are unreliable, protecting the system.
Lender Capital Protection: Acts as a core safeguard protecting lenders’ capital when value erosion occurs, particularly in RWA (Real-World Asset) markets with low liquidity or difficult fair value assessment.
Proactive Market Response: Prevents panic selling or irrational liquidations in abnormal price environments by freezing transactions until market uncertainty resolves.

Enhanced Vault Features

Deposit Cap (Limit Setting): Limits the maximum deposit and loan quantities for specific tokens, preventing excessive market exposure and enhancing the protocol’s risk management capabilities.
Withdrawal Fee: Acts as a friction mechanism to prevent sudden large-scale fund outflows (bank runs), maintaining strategy stability. It also offsets transaction costs and market impact, protecting the Net Asset Value (NAV) and long-term returns for investors remaining in the Vault.

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