TON Could Shape the Future of Web3 Neobanks Through Embedded Finance on Telegram

Key Points

1. TON prioritizes user experience (UX) over technical features, embedding functionalities like tap-to-yield within Telegram to simplify crypto finance.

2. TON is building a comprehensive financial ecosystem with onchain access to tokenized assets such as Ethena and Tether Gold, including gold stored in Swiss vaults.

3. Telegram's ownership of the interface layer through Mini Apps, bots, and built-in wallets gives TON a critical advantage in mainstream adoption.

4. Early DeFi focused on yield maximization, but TON's strategy integrates financial tools into users' habitual digital spaces, reducing the learning curve.

5. TON's roadmap includes further integration of financial services within platforms like Telegram, emphasizing seamless user experience and accessibility.