# Affluent > Trustless asset management Affluent is a non-custodial asset management protocol on TON Blockchain. It lets users earn yield on crypto assets through automated vaults and lending pools accessed via Telegram. Affluent is a decentralized asset management protocol built on TON Blockchain that delivers yield strategies through Telegram-native interfaces. It provides isolated lending pools alongside expert-managed strategy vaults, letting users deposit assets and earn returns without giving up custody. The protocol targets both everyday savers seeking simple one-click yield and more advanced users who want to select specific lending and borrowing positions based on their own risk appetite. The protocol addresses the complexity of decentralized finance by abstracting strategy selection and portfolio allocation away from the end user. Vault managers allocate deposited capital across lending markets on TON and other networks, applying risk management practices while operating under code-enforced rules that keep user funds non-custodial. Interest rates and collateral requirements adjust based on market utilization and asset risk profiles. Its offering spans a core money market for lending and borrowing, alongside strategy vaults covering stablecoins, tokenized gold, and other real-world assets. It was previously known under a different name before rebranding to its current identity. Affluent is used by retail users seeking simple savings products in Telegram and by more experienced participants pursuing structured, risk-adjusted yield strategies. - Type: Protocol - Sector: DeFi - Status: Active - Founded: 2025-06-16 - Profile: https://thegrid.id/profiles/affluent ## Products - [Affluent Protocol](https://thegrid.id/profiles/affluent): Affluent Protocol is a decentralized borrowing and lending platform on TON Blockchain that also offers managed yield vaults. It operates isolated lending pools where users supply assets as collateral and borrow against them at algorithmically adjusted rates, alongside strategy vaults where appointed vault managers lend, borrow, swap, and rebalance deposited funds under code-enforced rules. The system uses a cross-chain account architecture to extend vault strategies to external chains while keeping core operations on TON. Users access the protocol through a web application or directly within a Telegram-native wallet interface for one-click, non-custodial deposits and withdrawals. (Decentralised Borrowing & Lending, Live, Main Product) ## Links - [Main](https://affluent.org) - [Documentation](https://docs.affluent.org) - [Blog](https://blog.affluent.org) - [Terms of Service](https://app.affluent.org/terms) - [Twitter / X](https://x.com/AffluentOrg) - [Telegram](https://t.me/affluent) - [Telegram](https://t.me/affluentchat) - [LinkedIn](https://linkedin.com/company/affluentorg) - [Substack](https://substack.com/@affluentorg) ## Legal This data is provided under two licensing models. Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. 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