Opinion by: Vlad Kamyshov, CEO of Evaa Protocol
The career to build the next large web3 neobank is missing the point. Most of the projects are still focused on launching standalone apps, creating new interfaces and rebuilding user acquisition techniques from ground up. This is a familiar playbook, and especially outdated. In crypto, the next generation of financial will not ask users to switch apps; It will find them where they are.
The Telegram and the open network (ton) are not trying to be neobanks themselves. They have moved across that contest – one where Revolut and Monzo are still fighting. Together, they offer what is almost every crypto banking product: a built-in audience, an intuitive interface, distribution embedded within the existing user flow and the railroads to deliver the instant financial utility.
While others compete with features and flashs, the infrastructure silently provides tons to measure web3 finances by accident.
The future is not based on app-it is embedded
Ethena’s Integration with tons Signed a deeper shift in the web3 banking playbook. It shows that success does not come from the creation of shinier decentralized finances (DEFI) Frontends. This will come from the dedication of powerful tools on platforms that users know and trust.
With over 100 million tonic purses and 1 billion-plus telegram users, Ton has resolved the most complex crypto challenge: distribution.
Related: Pudgy Penguins debuting a play-to-win game on ton
The web3 sector is often confused by the change with the investigation. But users don’t need another app – they need less friction. Telegram filed a script. Instead of asking people to change their behavior, they make crypto flow directly into existing habits. UX, not APY, is now the competitive border.
Most people do not walk in automatic market manufacturer pools or staking dashboards to earn a passive yield. The breakout moment for web3 finance will not be technical – it will be a habit.
Tap-to-harvest, embedded directly on the Telegram, sets a new benchmark for usability. Users can deposit USDE and start earning some taps. No outer wallets. No new accounts. No strife.
If the crypto expects it to measure, it should stop selling complexity and deliver an invisible infrastructure that works. Web3 does not have to explain itself to everyone. It needs to be easy enough to understand without the necessary explanation.
Ton gathers metals for an invisible financial layer
Ethena is just one part of a growing ecosystem. TON stops the ingredients together with a financial super-app-not through marketing campaigns, but through the utility. Tether gold now offers access to onchain in tokenized gold stored in Swiss vaultsand soon, by TGBTC, users can Hold and spend the bitcoin native inside the Telegram Without ever touching a traditional purse or exchange.
This is not a collection of tools. This is the Blueprint for a new type of financial access layer -one that melts in the background while reshaping how users interact with digital assets.
Onchain is no longer basic battlefield
While the other layers 1 compete with the throughput, fee and total amount locked, the Telegram has claimed the most important territory: the interface. Telegram Mini Apps, Bots and Built-in Wallets allow financial services to experience as part of the chat-not something that users should intentionally “log in.”
This is what the mainstream adoption looks like. Not dashboards made for merchants but smooth flow, minimal disputes and finances as if messaging. Telegram is already riding the next billion users. Tons builds railroads that will change them.
The crypto industry clings to a legend: which is the best product win. In fact, the best interface has already won.
Defi’s next chapter is about attention, not Aphys
The yielding techniques of yield and technical complexity are defined as the early Defi Playbook. But most users do not want to optimize. Instead, they want to participate. The Telegram ecosy system offers to participate without a steep learning curve. Financial services came indigenously within the space where users spent their time.
To be clear, there is still room for a single change. User transfer estimate projects rather than user momentum can be damaged during the web3 finance -emerged web3 finance.
Projects that continue to pursue growth through individual apps and UX-heavy flows can easily find themselves out of step. Attention is the new on-ramp. The real question is not how users can discover new apps – this is whether to reach financial services before they look.
The Way Before: From apps to access
Strictly integrated with the Telegram, the next stage of ton evolution is set to redefine how financial users engage. AI agents are expected to become personal assistants to guide users, conduct transactions and simplify crypto complexity. Bitcoin (Btc) In the Telegram will not only be a store of value – it is the power to lend, pay and more. And the new defi savings products combine the blockchain utility with the intuitive, mobile-native simplicity that people expect from modern neobanks.
The breed to build the next web3 neobank may have ended – not because of an app that won, but because a platform will rewrite the rules. The winners are the ones who are gem, not competing.
The rest can see that they built the right product … in the wrong place.
Opinion by: Vlad Kamyshov, CEO of Evaa Protocol.
This article is for general information purposes and is not intended to be and should not be done as legal or investment advice. The views, attitudes, and opinions expressed here are unique and do not necessarily reflect or represent the views and opinions of the cointelegraph.
