Q1. You have years of building with institutional relationships at the Ton Foundation. What inspired you to fellow -Found prosperous, and how did your Ton experience form your vision of a Defi -Super -app on telegram?
Defi has gone too far, which means that users are exposed to unprocessed technology, while he displays ordinary people to gain access to savings with a simple click. Affluent wants to summarize these complexities and place savings in the pocket of each telegram user.
After my time at Ton Foundation, I realized that there are three essential ingredients that we need to start Defi on Ton: a distribution channel, institutional support and a solution with one click. We wanted to coordinate these three requirements, and so far we have successfully built a deposit -click click and institutional loan infrastructure. We are now aimed at integrating our safes in native telegram distribution channels.
Ton has already proven through his tap-to-ear era that the reach of Telegram and social mechanics can deliver real distribution. Our vision is to continue this by distributing real financial use among one billion users of the Messenger application.
Q2. Affluent is intended to make Defi as easy as “One -Click” yield on Telegram. How did you identify telegram as the ideal interface for massive adoption, and what challenges have you confronted with translating traditional Defi UX into a chat -based current?
It is no secret that telegram transforms into a super app, so that users offer an experience that goes beyond just sending messages. The core of every Super app are financial applications that feed daily utilities such as payments and savings. Telegram is already the primary messenger in many parts of the world. We want to offer the financial infrastructure to meet the needs of these users to a real savings solution with one click. The most important challenge we were confronted with was to remove the countless confusing steps that are needed to navigate Defi. We have solved this by making a vault architecture that is managed by a special safe manager, which gives users an intuitive, user -friendly experience.
Q3. The Vault and Vault Manager strategy form the core of the differentiated approach to Affluent. Can you go through how these vaults are automated SMART. Contract allocations are in balance with human portfolio supervision?
The safes maintain a series of rules that strictly define the permitted actions of the SCRIP MANAGER. This structure finds the right balance between automation and human judgment, so that Kluismaners can apply risk management and active supervision as part of their curation process.
Q4. With the launch you support TGBTC, Tokenized Gold (Xaut0) and Tokenized RWAS. How do you determine which assets and credit markets to integrate, and which processes for Due -Diligence support those choices?
We assess which assets have the highest demand for collateral, so that institutions and advanced users can maximize their capital efficiency. This in turn goes to retail users as the proceeds increase on the stablecoins and other assets they have deposited in the vaults. Securing robust, manipulation-resistant price fairs is a crucial part of our due diligence and risk management process. We ensure sufficient liquidity on chains for each active and, if the market depth is not sufficient, we involve priceFeeds directly from the origin.
Q5. Many Defi -Protocols Prices Full Automation; Affluent blends algorithms with expert management. How do you determine when you need to rely on smart contracts versus on -chain or off -chain human intervention to optimize the yields and manage risks?
We want to bring confidentless asset management to the mainstream. Although asset management is powered by experts who exercise human judgment, our architecture eliminates the need for trust assumptions – creating the optimum environment for growth. Risk-corrected yield is only useful when risk management responds dynamically to changing circumstances, and our protocol is built to do exactly.
Q6. Your route map also speaks of “sticky” savings and deep institutional liquidity. How do you vote the needs of those two segments, and which product functions ensure that both feel at home in prosperous?
Retail users want passive solutions that are simple and convenient. Our safes were built to deliver that exactly. Settings and advanced users, on the other hand, require control over variables. They can manually perform strategies with the certainty that the pools with which they come into contact are isolated, so that the risk of contamination is minimized.
Q7. Security is of the utmost importance for the unconditional yield. What are the most important smart -contract -audit processes of Affluent, on -chain risk control and insurance or backstop -mechanisms to protect the funds of users?
We are checked by one of the best security companies in the room, trail or bits. When new functions are introduced, such as the recent functionality of the functionality of the strategy oven and request for quotation (RFQ), we conduct incremental audits to maintain an extensive protocard cover. Our developers also ensure that the protocol is responsible for failure points that may result from the asynchronous environment of Ton.
Q8. You have introduced prosperous points as engagement rewards prior to a tokentameration event. How will AP -Opbouw translate into token allocation, administrative rights or other utilities?
Our community is our greatest strength, and although we are still discussing our token allocation strategy, it will be our early supporters who are most rewarded.
Q9. Affluent uses the growing Defi landscape of Ton. How can developers and third -party partners compile with your strategic tissues, and what incentives are there for ecosystem -wide integration?
External developers and partners will soon be able to launch their own safes, and the pool creation process will be fully permissionless. In the early stages we maintain supervision of Bootstrap -Liquidity, we grow the user base and we prepare a robust ecosystem from Vault Manager.
Q10. While you bring tokenized real -unworld assets and borrowing to telegram, how do you navigate about global regulatory frameworks around assets -tokenization, KYC/AML and institutional participation?
Our services are not high-high due to design, and emerging regulatory frameworks begin to meet the requirements for such models. Within the Ton ecosystem, partners such as Elliptic already offer analyzes and compliance solutions. We are planning to work with these partners to ensure that institutional participants have the confidence to use capital.
Q11. The space includes money -market protocols, cefi super apps and other chat -based fintech bots. What do you see as the unique canal of Affluent, and how are you planning to stay ahead as competitors innovate?
With our own RFQ, Kluis managers can work with market makers to exchange assets in a completely confidential way. This unlocks a series of yield strategies without jeopardizing the non-freedom character of the service. We already offer a click loops, and soon we will introduce extra strategic tiles that generate yields through Delta-neutral trade strategies on popular decentralized exchanges. With partners such as Layerzero we can also bring adapted assets to the telegram web3 -ecosystem, giving us flexibility that go beyond the native assets available in the Ton ecosystem.
Q12. Affluent will be one of the first protocols to support Bitcoin with Ton -Gormal Bitcoin on Telegram. What other upcoming Ton assets or partnerships are you most enthusiastic about integration, and how will they improve the value proposition of Affluent?
Yes, we are actively working on taking Defi Us-Cases for Ton-Packed Bitcoin to the Web3 ecosystem in Telegram. This has important second order effects. Although many retail investors regard Bitcoin as out of reach because of unity bias, they can still earn yields on assets that want to borrow larger Bitcoin holders. We are also enthusiastic about the upcoming tokenized Telegram Bond. This will unlock new capital efficiency for institutional investors and at the same time offer yield options for retail users. We believe that accelerating the growth of assets that are recognized by traditional financial institutions, instead of long tail activa, will be the gateway for Telegram to evolve to a real financial super app.
Q13. Defi still intimidates many newcomers. Which educational or community initiatives are in addition to the UI simplification, but is prosperous launch to build trust and guide users through the possibilities of the protocol?
We are focused on localization efforts and will regularly perform personal educational seminars on Defi and Welvarent in Seoul, South Korea. We will also ensure that this content is distributed online for our global users. It is important that founders and the team make their names and faces ahead, especially for a financially sensitive product such as money markets. To earn the trust of users, we put our reputation at stake and we lead their journey on the chain through informative sessions and educational content.
Q14. What are your best milestones (TVL objectives, institutional partnerships, new assets launches)? Which statistics will you look to know that you have successfully made Telegram a “financial super app”?
From the perspective of the statistics, we are strongly focused on how much of the PVL of the protocol consists of stablecoins and their speed of use. In contrast to other L1 ecosystems that focus on native token TVL for trade and speculation, we believe that the use of a high stablecoin will unlock meaningful yield options for telegram users who want to use prosperent as their primary savings app in Telegram. We also follow institutional partnerships with RWA -Emitents, Major Asset Management protocols on EVM and the launch of BTCFI.
Q15. Finally, if you look back in five years, how do you hope that prosperous will have transformed both Defi and the broader telegram ecosystem? Which legacy do you want to build?
There is a competitive Darwinian race that unfolds in Defi. We believe that only projects with robust risk management and strong security will survive to lead the mass acceptance of financial planning on the chain. Affluent is built to do exactly that, while at the same time it leaves the complexity of Defi and decentralized savings is placed in each bag. Our goal is to build a permanent inheritance by bringing users on-chain who are usual, repeating users of a trustless money markets app. Many projects build unrealistic total addressable markets for telegram hunters, which often claim to build a billion users. Our goal in the short term is Sharper: bring the following million users to the chain and keep them there.
