Telegram Is Not A Neobank

Opinion: Vlad Kamishov, CEO of Eva Protocol

The race to build the next Big Web3 Neobank misses this point. Most projects still focus on launching independent applications, creating new interfaces and rebuilding user acquisition strategies from A to Z. It is a familiar theatrical book, and anciently increasingly. In Crypto, the next generation of financing will not be asked to switch applications; It will meet them where they are already.

Telegram and the open network (TON) does not try to become new. They have already moved beyond this competition – as Revolution and Monzo are still fighting to participate. Together, they offer what a banking product lacks almost: a built -in audience, an intuitive interface, a guaranteed distribution within the current user flows and bars to provide immediate financial benefit.

While others compete for features and flash, TON provides quietly infrastructure to expand the web3 financing invisible.

The future does not depend on the application-it is included

Ethaina’s integration in TON indicates a deeper transformation in the Web3 banking book. It indicates that success will not come from creating a more convenient decentralized financing interface (Defi). It will come from the inclusion of strong tools in the platforms that users know and already trust it.

With more than 100 million tons of governor and 1 billion Telegram users, Ton has already resolved the most complex challenge for Crypto: distribution.

Related to: Pudgy Penguins shows gameplay on TON

The web3 sector is often mixed with a re -penetration. But users do not need another application – they need less friction. Telegram turns the scenario. Instead of asking people to change their behavior, they make the flow of encryption directly to the existing habits. UX, not APY, is now the competitive limits.

Most people will not engage in automated market maker gatherings or exciting information panels to earn a negative return. It will not be the moment of collapse to finance Web3 technically – it will be behavioral.

Click to the return, directly in Telegram, sets a new standard for easy use. Usde users can deposit and start earning some of the few taps. No external governor. There are no new accounts. No friction.

If Crypto hopes to expand, it should stop selling the complexity and offering an invisible infrastructure that works. Web3 does not need to explain itself to everyone. It should become intuitive enough so that it is not necessary.

Ton collects bars to get an invisible financial layer

Ethena is only one part of the growing ecosystem. Ton sews the components of the super-financial application-not through marketing campaigns, but through interest. Tether Gold now provides access to distinctive gold stored in a Swiss cellar, and soon, through TGBTC, users can keep bitcoin and spend it already inside Telegram without touching a portfolio or traditional exchange.

This is not a set of tools. It is the plan for a new type of financial access layer – those that melt in the background while reshaping how users interact with digital assets.

Onchain is no longer the main battlefield

While the other layer 1 competes for productivity, drawings and closed total value, Telegram has already called the most important area: interface. Telegram mini applications, robots and integrated portfolios allow them to test financial services as part of the chat-and-lech thing that users should “log in” consciously.

This is what actually prevailing adoption. It is not the information panels made for merchants but smooth flows, the minimum friction and financing that appears to be the correspondence. Telegram has already dismantled the next billion users. A ton builds the bars that will be activated.

The coding industry clings to the legend: that the best product wins. In fact, the best interface has already won.

The next chapter for Defi revolves around attention, not APYS

Production and technical complexity strategies have identified PlayBook early. But most users do not want to improve. Instead, they want to participate. Telegram ecosystem provides this post without a sharp learning curve. Financial services are original in the area where users already spend their time.

To be clear, there is still room for independent innovation. Defending projects on the user’s deportation instead of the user momentum may be deprived in the integrated Web3 financing age.

You may find projects that continue to chase growth through independent applications and heavy UX flows soon. Attention is the new slope. The real question is not how users will discover new applications – whether financial services can access them before they look.

The next road: from applications to access

The next stage of the TON development is tightly combined with Telegram, to redefine how to deal with users with financing. Artificial intelligence agents are expected to become personal assistants guiding users, carrying out transactions and simplifying the complications of encryption. Bitcoin (BTC) in Telegram will not be just a value store – will lend to energy, payments and more. The new Defi savings products will integrate Blockchain’s benefit with the intuitive and budget simplicity that people expect from modern new.

The race may end to build the next web3 Neobank already – not because one application has won, but because one platform is rewrotic rules. It will be the winners who included, not competition.

The rest may find that they built the right product … in the wrong place.

Opinion: Vlad Kamishov, CEO of Eva Protocol.

This article is intended for general information purposes and does not aim to be and should not be considered legal or investment advice. The opinions, ideas and opinions expressed here are alone and do not necessarily reflect or represent the views and opinions of Cointelegraph.