: : [Issue] Affluent: Powering the Next Fintech Wave with Telegram
Written by 100y

- Fintech has evolved through three distinct phases: the first wave brought online brokerages and digital payments, the second introduced robo-advisors and automated wealth management, and the third phase is defined by all-in-one super apps. But most of this innovation has been limited to the frontend—while the backend of the financial system remains outdated.

- Blockchain technology has the potential to replace this legacy backend. The rapid growth of the stablecoin industry and Telegram’s expanding Web3 initiatives suggest that Telegram could emerge as the next-generation fintech super app built on blockchain.

- Affluent is an asset management platform built on the TON network. Any Telegram user can deposit assets through a native Web3 wallet and earn yield from lending, RWA, DeFi, and other sources. To make this possible, Affluent uses a trustless and transparent strategy vault system that abstracts away the complexity of yield-generating strategies.

- The essence of Web2.5 fintech is combining the user experience proven in Web2 with the open, trustless infrastructure and global accessibility of Web3. Affluent is targeting this exact intersection—connecting Telegram’s global reach with blockchain-based yield infrastructure to build a wealth management solution no existing service has ever offered.

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