🤙A New Path Forward

To address the challenges of limited native yield, high DeFi entry barriers, and lack of real-world use cases, tgUSD introduces the following solutions:

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, 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 section).

• The smart contracts deployed on TON have been audited by QuantStamp (see Audits 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 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.”