Former TON Foundation Executive Launches Telegram-Based Crypto Investment App

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The world of decentralized finance (DeFi) continues to evolve, bridging the gap between traditional financial systems and blockchain innovation. At the forefront of this movement is Affluent, a new crypto investment application built on the Telegram-integrated Open Network (TON) blockchain. Co-founded by former TON Foundation director Justin Hyun, Affluent aims to simplify access to DeFi by offering intuitive yield generation and lending services—all accessible through a single click within Telegram.

By merging the reliability of traditional finance (TradFi) with the flexibility of DeFi, Affluent delivers a seamless experience for users seeking passive income without navigating complex protocols. The platform officially launched on Monday, introducing a novel approach to crypto asset management that prioritizes ease of use, security, and optimized returns.

👉 Discover how to earn yield effortlessly through Telegram today.

Bridging TradFi and DeFi: A Unified Financial Experience

Affluent stands out by combining two powerful financial paradigms: the structured risk management of traditional finance and the open, permissionless nature of decentralized finance. This hybrid model allows users—regardless of technical expertise—to participate in yield farming, lending, and borrowing with minimal friction.

Co-founder Hyung Lee brings deep experience from the TradFi sector, particularly in options trading. He emphasizes that Affluent isn’t just replicating existing DeFi tools but reimagining them with institutional-grade infrastructure.

“By designing traditional financial solutions and evolving them into fully modular blockchain-based systems, we’re building the next generation of DeFi protocols—harnessing all the benefits of Web3 while maintaining TradFi-level security and risk controls,” said Hyung Lee.

This philosophy is embedded in Affluent’s architecture. The platform leverages automated smart contracts and expert-managed vaults to handle asset allocation, allowing users to deposit funds via Telegram and immediately begin earning interest across multiple lending markets.

Strategy Vaults and Intelligent Asset Management

Built natively on the TON blockchain, Affluent introduces two core innovations: Strategy Vaults and the Vault Manager System. These components work together to automate investment strategies while incorporating human oversight for long-term performance optimization.

When users deposit assets into a Strategy Vault, their funds are automatically diversified across various lending protocols. This dynamic allocation maximizes yield while minimizing exposure to underperforming or high-risk markets.

The Vault Manager System operates behind the scenes, monitored by sophisticated institutional-grade managers who continuously assess market conditions, utilization rates, and risk indicators. This hybrid model—part algorithmic, part expert-driven—ensures that user deposits are not only secure but also strategically positioned for growth.

According to Affluent’s official announcement:

“By depositing assets into a vault, users allow Affluent to manage their holdings through a combination of automated smart contracts and expert oversight—optimizing returns without requiring active involvement.”

This approach lowers the barrier to entry for novice investors while still appealing to more experienced participants who value transparency and control.

Security-First Design: Mitigating DeFi Risks

Despite its user-friendly interface, Affluent does not compromise on security—a critical concern in an industry frequently impacted by volatility, smart contract vulnerabilities, and flash loan attacks.

The protocol has undergone a comprehensive audit by Trail of Bits, a leading cybersecurity firm specializing in blockchain systems. This independent review confirms that Affluent’s architecture meets high standards for code integrity and threat resistance.

One of the key safeguards is the implementation of isolated lending pools. Unlike platforms where all user funds are pooled together, Affluent separates assets into distinct borrowing markets. If one pool encounters bad debt or defaults, the impact is contained—protecting the broader protocol and other users’ capital.

Justin Hyun explained:

“Affluent’s design inherently embeds strong risk management through isolated lending pools. Even if a particular market experiences issues, the rest of the system remains secure.”

Additionally, due to TON’s asynchronous design, flash loans—which have been exploited in numerous DeFi exploits—are not a viable attack vector on Affluent. This architectural advantage significantly reduces the risk of sudden liquidity drains or price manipulation.

While user deposits are currently not insured, the team acknowledges this limitation and plans to explore insurance mechanisms as the protocol scales.

👉 Learn how secure DeFi platforms are reshaping crypto investing.

Leadership with Proven Blockchain Expertise

Affluent’s credibility is reinforced by the track record of its leadership team. Justin Hyun previously served as Head of Incubation and Institutional Growth at the TON Foundation, where he played a pivotal role in expanding the ecosystem. His achievements include launching the first global TON hackathon and attracting institutional capital to the network.

Hyung Lee, the other co-founder and co-CEO, co-founded B-Harvest, a DeFi research and development firm known for its contributions to cross-chain interoperability and secure protocol design. Together, their combined expertise in both decentralized innovation and traditional financial engineering forms the foundation of Affluent’s strategic vision.

Their goal is clear: democratize access to advanced financial tools without sacrificing safety or usability.

Frequently Asked Questions (FAQ)

What is Affluent?

Affluent is a crypto investment platform built on the TON blockchain that enables users to earn yield and access lending services directly through Telegram. It combines automated DeFi strategies with expert-managed vaults for optimized returns.

How does Affluent generate returns for users?

Affluent deposits user funds into Strategy Vaults, which automatically distribute assets across multiple lending markets. Returns are generated through interest from borrowers, with performance enhanced by active monitoring from institutional-grade vault managers.

Is my money safe on Affluent?

Affluent uses isolated lending pools to limit risk exposure and has been audited by Trail of Bits. Flash loan attacks are mitigated by TON’s asynchronous architecture. However, deposits are not currently insured—a feature under consideration for future development.

Do I need technical knowledge to use Affluent?

No. Affluent is designed for simplicity. Users can deposit funds and start earning interest with just one click via Telegram, making DeFi accessible even to non-technical individuals.

What role does Telegram play in Affluent?

Telegram serves as the primary user interface for Affluent. Users interact with the app directly within Telegram messages, enabling fast, seamless access to deposit, withdraw, and monitor their investments.

Which blockchain powers Affluent?

Affluent is built entirely on The Open Network (TON), a high-performance blockchain originally developed to integrate with Telegram. TON’s speed, scalability, and security make it ideal for real-time financial applications.

The Future of Accessible DeFi

Affluent represents a significant step toward mainstream adoption of decentralized finance. By anchoring its interface in Telegram—a platform with over 800 million users—it taps into an enormous potential user base that may have previously found crypto intimidating or inaccessible.

With features like one-click deposits, automated yield optimization, and robust security protocols, Affluent lowers the entry barrier while maintaining institutional-grade standards. As more users seek ways to grow their digital assets without complexity, platforms like Affluent are poised to lead the next wave of financial inclusion in Web3.

👉 Start your journey into simplified crypto investing now.

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