USDT Earn with Affluent

USDT Earn with Affluent is a DeFi-protocol by Affluent, available directly in the TON Wallet interface. It allows you to:

Deposit USDT into the Ethena Vault and earn income through the Ethena protocol.
Deposit USDT into Affluent’s dedicated Lending Vault and earn additional yield.
Start with a minimal amount — just 1 USDT.
Retain full control over your assets: track earnings and withdraw USDT at any time under Affluent’s terms.
Use a decentralized system — Affluent has no access to your funds.

The DeFi-protocol is conducted by third-party services and is governed by the terms and mechanisms of Affluent and Ethena. TON Wallet only provides a convenient interface to access the protocol.

What’s the difference between USDT Earn with Affluent, USDT Earn with Morpho, and USDT Earn with Re7 Labs

Difference	USDT Earn with Affluent	USDT Earn with Morpho	USDT Earn with Re7 Labs
Deposit Token	USDT	USDT	USDT
Minimum Deposit	1 USDT	None	None
Source of Earnings	Ethena and Affluent USDT Lending Vault	Morpho USDT Vault	mRe7YIELD strategy
Earnings Accrual	Reflected as a continuous balance increase on the protocol page	Reflected as a continuous balance increase on the protocol page	Reflected as the growth of the mRE7YIELD token value and a continuous balance increase on the protocol page
Withdrawal	1) Standard — up to 24 hours 2) Instant	Instant	Up to 14 days
Protocol risk level*	Low	Low	Medium
Protocol provider and provider’s terms	Affluent	Morpho	Re7 Labs and Midas

*Note: the risk level is determined based on a comparison of the parameters of the protocols available in the TON Wallet interface.

What do I need to participate in USDT Earn with Affluent

To participate, you only need:

TON Wallet.
USDT in your TON Wallet balance: you can top up your TON Wallet or swap other tokens for USDT.
TON or Telegram Stars to pay network fee for the deposit. If you don’t have TON, the fee can be paid in USDT.

How to deposit USDT

Open the ‘Earn’ section in the bottom menu of your TON Wallet and select USDT.
Choose the Affluent protocol.
On the protocol page, tap ‘Deposit’.
Enter the amount you want to allocate, review the fee, and then confirm the operation by tapping ‘Confirm and Deposit’.

The process takes only a few minutes. Once the transaction is confirmed, it will appear as successful, and your assets will start participating in the strategy and earning yield, and the deposited amount will be visible on the protocol page.

How much can I deposit into USDT Earn with Affluent

The minimum deposit amount is 1 USDT and there is no maximum deposit limit.

Affluent and Ethena: who is responsible for what

What is Affluent

Affluent is a decentralized platform on the TON blockchain that simplifies access to profitable DeFi strategies. Using its Vault smart contracts, it accepts USDT deposits, directs funds into the Ethena protocol and deposits them into a dedicated Lending Vault to generate additional yield, providing the full infrastructure from deposit to withdrawal. Learn more about Affluent here.

What is Ethena

Ethena is a DeFi protocol where a portion of your USDT, converted into USDe, generates the base yield. This income is used within the Vault strategy to increase the overall yield of your assets. Learn more about Ethena here.

What is the role of TON Wallet in USDT Earn with Affluent

The USDT Earn with Affluent DeFi-protocol is provided by third-party organizations. TON Wallet serves only as a convenient interface to access the protocol. The terms and mechanisms of its operation are determined by Affluent and Ethena. We recommend reviewing their policies and rules before participation.

Where does the yield come from

Base yield is generated through the Ethena protocol, where a portion of your USDT is deposited (first converted to USDe). You can learn more about how yield is generated in Ethena here.

Additional yield is generated in Affluent’s dedicated Lending Vault, where the remaining portion of your USDT is deposited.

What does APY Mean

APY (Annual Yield or Annual Percentage Yield) shows the percentage of income you can earn over a year on the funds deposited in USDT Earn with Affluent.

When you deposit USDT, you immediately see an estimated 30-days return based on the current APY.

The APY may change over time due to market conditions, strategy, and other factors. The up-to-date APY is always available on the USDT Earn with Affluent protocol page.

How does USDT Earn with Affluent work

In the TON Wallet interface, you only see the deposit and withdrawal of USDT — all internal Ethena and Lending Vaults operations are executed automatically.

How can I see my earnings

Earnings start accruing almost immediately after your deposit is placed in the Ethena protocol. In TON Wallet, this is reflected as a rising balance on the USDT Earn with Affluent page or ‘Earnings Assets’ section – which updates in real time.

How to withdraw USDT

To withdraw funds from USDT Earn with Affluent, tap “Withdraw” on the protocol page — the withdrawal option will appear automatically.

If tokens are available in the reserve (the token pool), you will see the “Instant” option, and USDT will be credited to your balance immediately.
If there is insufficient liquidity in the pool, the instant withdrawal may be unavailable or limited to part of the amount. In this case, you can either wait for the reserve in Ethena Vault to update (updated once a day) or use the “Regular” option to withdraw the full amount or part of it.

When using the “Regular” option, the transaction will remain “Pending” for up to 24 hours — this time is needed to withdraw funds from the protocol. After the transaction is successfully processed, its status will change to “Successful”, and the funds will be credited to your TON Wallet.

Fees in USDT Earn with Affluent

Deposit: When depositing USDT, a network fee applies (from 0.02 to 1.4 TON), which can be paid in TON or Telegram Stars. If you don’t have TON, the fee can be paid in USDT. After the transaction is confirmed, any unused portion of the fee is automatically returned to your wallet.

Withdrawal: A network fee also applies when withdrawing funds (0.02–1.4 TON), payable in TON or Telegram Stars. If you don’t have TON, the fee can be paid in USDT. After confirmation, any unused portion is returned to your wallet.

Instant Withdrawal: no additional fees are charged.
Regular Withdrawal: Affluent charges 0.5% for converting tsUSDe back to USDT.

Note:

All fees are displayed on the transaction confirmation screen so you can review them before completing the operation.
You can change the transaction fee payment method (TON, Telegram Stars, or USDT) in the ‘Network Fee’ field on the transaction confirmation screen.

Are there regional restrictions for participation

According to the TON Wallet Terms of Use, TON Wallet is not available in certain countries. You can view the list of restricted countries here.

Additionally, the third-party partners providing the USDT Earn with Affluent services in TON Wallet have their own terms and conditions, which may include national or regional restrictions. Depending on these terms, the DeFi-protocol may not be available in your region and/or jurisdiction.

Quick solutions to common issues

Situation	Possible cause	What to do
Unable to withdraw funds using Instant Withdrawal	There is not enough liquidity in the reserve pool to process your request.	Wait until the next day when the reserve is replenished and try again, or use Regular Withdrawal instead.
Requested a Regular Withdrawal, but funds haven’t arrived	The transaction is still processing (up to 24 hours) or there is a temporary interface glitch.	If less than 24 hours have passed, the withdrawal is still pending — check the status in your TON Wallet. If more than 24 hours have passed, contact support. Make sure your internet connection is stable and try reopening TON Wallet.
APY has decreased	APY is volatile and depends on market conditions.	Check Ethena protocol and Affluent’s Lending Vault updates — this may be temporary.
The Earn or USDT Earn with Affluent section is not visible in TON Wallet	Regional restrictions or temporary suspension of the protocol.	If you are in a country where the service is unavailable, the protocol will not appear. Also check TON Wallet’s official channel for any announcements about temporary suspensions.
Error 'You don’t have enough TON, USDT or Telegram Stars to pay for transfer fee' when confirming a transaction	Your balance doesn’t have enough USDT, TON or Telegram Stars to cover the network fee.	Check your balance and leave a small amount for the fee, which may range from 0.02 to 1.4 TON. If needed, top up your TON Wallet.

If the problem persists, contact our support team — we’ll help you resolve it.

Are there any risks involved with participating in USDT Earn with Affluent

Note: USDT Earn with Affluent is a DeFi-protocol with a more conservative (low) risk profile compared to other protocols available in the TON Wallet interface. Learn more

As with any DeFi project, USDT Earn with Affluent carries certain risks. Affluent and Ethena operate on open-source smart contracts that have passed independent audits, and asset management is handled exclusively through these contracts — the services do not have access to your funds.

Before participating, review all available information and consider the potential risks. You can learn more about the risks and mitigation measures on the Affluent and Ethena websites.

Note: DeFi projects are managed by third-party entities that are not affiliated with TON Wallet. TON Wallet simply provides a convenient interface for accessing these projects. Any information we provide is not and should not be considered investment, tax, financial, legal advice, or a trading recommendation.

TON Wallet is not responsible for the organization, execution, or outcomes of any DeFi project.

TON Wallet does not guarantee the availability, eligibility for, or receipt of any rewards, and assumes no responsibility for any losses, delays, or disputes arising from participation in such DeFi projects.

Always do your own research (DYOR) and carefully assess risks before participating in any DeFi service.

USDT Earn with Affluent

How to participate and earn