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Telegram Introduces Crypto Earning Feature Offering Up to 18% APY on USDT, Bitcoin, and Ether

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Telegram is expanding its crypto features by allowing users to earn passive income on their Bitcoin (BTC), Ether (ETH), and Tether (USDT) directly inside the app. The new earning option is available through TON Wallet, Telegram’s built-in crypto wallet used by millions of people worldwide.

The new feature allows users to deposit their crypto into earning vaults, where their assets can generate returns automatically. The highest earning option currently offers up to 18% annual returns on USDT, while Ether and Bitcoin offer up to 3% and 2% respectively.

TON Wallet announced the launch, saying, “Together with Morpho, TacBuild and Re7Labs we’re launching advanced DeFi strategies to earn yield on BTC, ETH and USDT.”

Turning Telegram Into an Earning Platform

Previously, TON Wallet allowed users to store, send, and receive crypto. With this update, users can now grow their holdings without needing separate platforms.

“Previously, we added ETH and BTC. Now you can not only trade, transfer and store them — but also earn income,” TON Wallet said.

Once users deposit their crypto into the vault, the system automatically generates rewards. The earnings are added over time and displayed directly inside the wallet.

This makes it easier for users to earn passive income without needing technical knowledge or managing complex tools.

Powered by Major Crypto Infrastructure Providers

The earning system is supported by several crypto partners, including Morpho, TAC, and Re7 Labs.

Morpho provides the core infrastructure that enables crypto earning. TAC helps connect different blockchain systems so assets like Bitcoin and Ether can work inside the TON ecosystem. Re7 Labs manages the earning strategies, including the high-yield USDT vault offering up to 18% APY.

TON Wallet also said users can receive additional USDT rewards through its partnership with TacBuild. The returns are not fixed and may change depending on market conditions and demand.

Reaching Telegram’s Massive User Base

TON Wallet already has over 150 million registered users, making it one of the largest crypto wallets globally. By adding earning features directly inside Telegram, the company is making crypto income more accessible to everyday users.

Andrew Rogozov, founder and CEO of The Open Platform and Wallet in Telegram, said the goal is to make crypto earning simple and widely available. “With Vaults in TON Wallet, we are bridging the gap between sophisticated protocols and hundreds of millions of users,” Rogozov said.

A Step Toward Mainstream Crypto Adoption

Telegram has been steadily expanding its crypto ecosystem with new financial tools. The earning feature gives users more reasons to hold and use crypto inside the app.

By combining messaging and crypto earning in one place, Telegram is positioning itself as a major platform for everyday crypto use.

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Optimism Eyes OP Token Buybacks as Superchain Revenue Hits 5,868 ETH

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Optimism Eyes OP Token Buybacks as Superchain Revenue Hits 5,868 ETH

Optimism Foundation has proposed a new plan to buy back OP tokens using 50% of the revenue generated by the Superchain. The proposal is part of a broader effort to better connect the OP token with the real growth of the Optimism ecosystem.

The update was shared by OP Labs CEO and Optimism co-founder Jinglan “Jingle” Wang in a public post, where he said the goal is to align everyone building on Optimism around a shared future. According to Wang, the Superchain has grown into global infrastructure, and the OP token should reflect that progress.

Linking OP to Superchain growth

The Superchain is a network of blockchains built using the OP Stack. Today, it processes around 13% of all blockchain transactions and controls more than 61% of the layer-2 fee market. This growth has been driven not only by Optimism’s core teams, but also by major projects such as Base, Worldcoin, Celo, Zora, and others that chose to build on the OP Stack.

Despite this success, the OP token has historically had no direct connection to Superchain performance. The Foundation says this proposal aims to change that by tying OP more closely to network usage and revenue.

How the buyback plan works

Every blockchain in the Superchain contributes a portion of its earnings back to Optimism. Over the past 12 months, this added up to 5,868 ETH in revenue, all of which was sent to a treasury managed by Optimism governance.

Under the new proposal, 50% of incoming Superchain revenue would be used to buy OP tokens on a monthly basis for the next year. The OP tokens bought through this program would return to the ecosystem treasury and could later be burned or used for rewards, depending on future decisions.

The remaining 50% of the revenue would be managed by the Foundation to fund operations and support further Superchain growth.

OP price reaction and Next Steps

Following the announcement, OP’s price began moving up slowly, reflecting positive market sentiment around the buyback plan. While gains have been modest so far, traders appear encouraged by the idea that OP will now benefit more directly from ecosystem growth.

The proposal will move to a governance vote on January 22. If approved, the buyback program is expected to begin in February. The Optimism team has also announced a public discussion session where community members can ask questions ahead of the vote.

According to the Foundation, this proposal marks the beginning of a new phase for OP, with more changes expected as Optimism continues to scale.

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Arx Research Launches “Burner Terminal” to Enable Tap-to-Pay Stablecoin Transactions

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Arx Research Launches “Burner Terminal” to Enable Tap-to-Pay Stablecoin Transactions

Arx Research has introduced its Burner Terminal, a handheld POS (point-of-sale) device that allows merchants to accept stablecoins like USDC and USD II on the spot via tap, smartphone scan, or card. The terminal also supports traditional EMV payments, positioning itself as a bridge between crypto native rails and conventional payment systems.

Designed for small-business environments such as food trucks, salons, and pop-up shops, the Burner Terminal packs WiFi and LTE connectivity, rechargeable battery power, and full EMV certification. It operates not just like a crypto terminal, but also as one that supports the cards you see in every checkout lane today.

Key Features That Matter

  • Tap-to-Pay Stablecoins: At launch the device supports USDC and USD II on the Base network, with no gas fees passed to the merchant transactions are sponsored by Arx.
  • Dual Payment Support: Merchants can accept both crypto and cards. The Burner Terminal is EMV-certified and supports Visa/Mastercard chip-and-PIN, contactless, and mobile-tap payments.
  • Open Wallet Integration: Initially tap-to-pay will be via the Burner wallet, but Arx has committed to opening the interface so other compatible wallets can integrate in future.
  • Low-Cost Merchants: Because stablecoins settle instantly and eliminate charge-backs and high interchange fees, merchants can access nearly fee-free crypto settlement—while still offering card rails for customers who prefer them.

Why This Signals a Payment Disruption

The launch of the Burner Terminal marks a step toward everyday crypto utility: stablecoins aren’t just for trading or on-chain transactions, they’re now entering physical retail checkout lanes. In real terms, this means consumers and merchants could use stablecoins as easily as tapping a card or scanning a QR code—bringing digital-asset settlement into the point-of-sale ecosystem.

For the broader crypto world, this could nudge adoption in two ways:

  1. Merchant readiness: Smaller businesses, often left behind in the crypto payments wave, gain an accessible device to accept digital assets without building custom infrastructure.
  2. Consumer transition: Users familiar with wallets can now use stablecoins in real-world retail, while those loyal to traditional finance gain exposure to a crypto-enabled world through cards and tap-payments.

Looking Ahead

Arx plans to begin commercial availability of the Burner Terminal in early 2026, with pricing expected to be under $200 per unit. The company’s $6.1 million seed-funding round led by Castle Island Ventures and joined by Inflection, Placeholder, Seed Club Ventures, and 1kx will help scale manufacturing and expand into U.S., Latin American, and European markets.

As stablecoins mature in regulation and infrastructure, devices like the Burner Terminal could play a pivotal role in transitioning crypto from niche to mainstream retail. The next 12–18 months will reveal how many merchants adopt this hybrid payment rail and whether stablecoins can truly become everyday tender at the checkout.

Also Read: MoonPay Acquires Iron to Enhance Stablecoin Payment Solutions

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Coinbase Launches Embedded Developer Wallets via CDP

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Coinbase embedded wallet API with a developer coding interface

Coinbase has introduced CDP Server Wallets, also known as Embedded Wallets, enabling developers to seamlessly integrate secure, managed wallets into their applications with no private key handling. These wallets are deployed and controlled through Coinbase’s Developer Platform (CDP) via fast APIs.

What Are Embedded Wallets?

CDP Server Wallets offer a turnkey solution for builders needing programmatic access to on-chain execution without self-custody burdens. Wallets are hosted in secure enclaves, enforce transaction limits and allowlists, and provide smart policy controls—such as spend caps or contract access restrictions—all managed via API. 

These wallets support multiple blockchains (EVM-compatible and Solana) and are compatible with standard developer tools like ethers.js, wagmi, and viem, allowing deployment in under 200 milliseconds. 

Use Cases and Utility

Embedded Wallets are tailored for builders creating apps that require native wallet integration:

  • Mass payments and payroll bots
  • AI agents executing trades
  • Smart contract interactions in apps and dApps
  • Onrampenabled flows via Coinbase tooling

With no seed phrases or pop-ups, this solution reduces onboarding friction—ideal for Web2-like experiences in crypto-native apps.

Security at the Core

Key security features include wallet policies that block dangerous transactions by design: e.g., validating destinations, restricting amounts, or blocking known malicious smart contracts. These controls operate in Coinbase’s Trusted Execution Environment.

Wallet keys are never exposed even to Coinbase, ensuring high trust while preserving decentralization benefits.

Developer-Ready Ecosystem

Coinbase is actively promoting embedded wallets through its CDP Builder Grants, offering up to $30K in funding for developers integrating wallets, Onramp, and Swap APIs in their user flows.

An early-access program is also live for teams eager to test Embedded Wallets ahead of general availability. 

Strategic Significance

Embedded Wallets represent a major architectural shift—bridging traditional Web app user experiences with on-chain execution. By abstracting key management and security policies, Coinbase enables developers to onboard new types of users into crypto-native products with minimal friction. This toolset echoes broader efforts to define wallet-as-a-service solutions for mainstream adoption. 

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