# A New Path Forward

## **1. Cross-Chain Yield Aggregation**

### **Solving the “Low USDT Yield on TON” Problem:**

* Through cross-chain bridges like **Stargate**, **USDT0**, and **Symbiosis**, tgUSD deploys USDT into DeFi protocols on other blockchains (e.g., **Morpho**, **Fluid**, **AAVE**, **Aries**, etc.). The generated yield is returned to the TON chain and distributed to users who stake tgUSD.
* Based on similar staking-based protocols (such as **Ethena**, **Liquity**, **Level Money**), where the **staked ratio** typically ranges from **25% to 55%**, cross-chain yields can effectively be **amplified by 1.81x to 4x**:
  * For example, if the off-chain yield is **6%** and the staked ratio is **50%**, the effective APR for staked tgUSD could reach **6% ÷ 50% = 12%**, offering users a return on TON comparable to (or even higher than) other major chains.
  * Even with a 100% staked ratio, [as shown in the APY comparison chart](https://www.notion.so/Challenges-in-TON-and-Telegram-Ecosystem-1e09c226a48980beb51edd5468ca088c?pvs=21), tgUSD can still help TON-based USDT achieve over **1.5x yield improvement**.
* As TON’s native DeFi yield improves in the future, tgUSD will flexibly shift strategies to allocate funds to TON-native protocols, always aiming to maximize returns.

### **Security Measures:**

* All integrated protocols are selected by **Torch Finance** based on a standardized risk evaluation process (see the [Risks](/telegram-usd/security/risks.md) section).
* The smart contracts deployed on TON have been **audited by QuantStamp** (see [Audits](/telegram-usd/security/audits.md) section).

## **2. Telegram-Style Mini App to Simplify DeFi Access**

### **Solving the “High Barrier to Entry” Problem:**

* tgUSD provides a **Telegram-native Mini App** with familiar UI and simplified flows to reduce the learning curve and cognitive burden for everyday users.
* The app has been tested with participants across the TON developer community, DeFi protocol teams, and general users—including those unfamiliar with Web3 or DeFi—to ensure accessibility for all Telegram users.
* All DeFi strategies are **curated and abstracted by Torch Finance** into user-friendly financial products. Users can interact entirely within Telegram to access DeFi yields without needing to understand the underlying mechanics.
* No need to worry about which chain offers the highest APY. Users simply deposit **tgUSD via the** [**Mini App**](https://t.me/tgusd_official_bot/app) **or Website**, and the system automatically allocates funds to the best-performing cross-chain strategies, all through a **TON-native entry point**.

## **3. Torch Pay and Real-World Payments (Coming Soon)**

### **Bringing Blockchain into Daily Use:**

* **Torch Pay** will allow users to earn yield on tgUSD deposits (similar to flexible savings accounts) while using the same balance for real payments.
* Payment use cases include **peer-to-peer transfers**, **tips**, **Bot transactions**, and **merchant checkout**—all within the **Telegram ecosystem**.
* This will make crypto genuinely useful, bridging blockchain finance with daily life and attracting a broader user base into the TON ecosystem.

## **Conclusion**

**tgUSD** not only aims to break the negative cycle of **low yield → low user engagement → low liquidity** on TON, but also reduces friction for Telegram users to seamlessly access DeFi within an interface they already know.

From unlocking competitive yield to enabling frictionless payments, **tgUSD is redefining the role of stablecoins**—positioning Telegram as the entry point for users and TON as the underlying hub for cross-chain blockchain finance.

This is how tgUSD brings to life its vision of **“Put yield in everyone’s pocket.”**


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