The Future of Web3 Neobanks: Embedded Within Platforms We Already Use
The digital finance landscape is evolving rapidly. The next generation of Web3 neobanks won’t rely on standalone apps. Instead, they’ll integrate financial services directly into platforms users already frequent. Telegram and The Open Network (TON) lead this transformation by offering built-in audiences and seamless integration that traditional crypto banking solutions can’t match.
Why Standalone Apps Are Losing Relevance
Many crypto projects still focus on developing standalone applications with new interfaces and acquisition strategies. This approach is becoming obsolete. The future lies in meeting users where they already spend time, minimizing friction, and making financial services as intuitive as sending a message.
Key Benefits of Embedded Finance
- Eliminates unnecessary steps for users
- Utilizes existing platform infrastructure
- Delivers superior user experience
TON and Telegram: Leading the Embedded Finance Revolution
With over 100 million TON wallets and 1 billion+ Telegram users, distribution challenges are already solved. Integrations like Ethena on TON and the upcoming tgBTC for Bitcoin transactions demonstrate how financial services can blend seamlessly into existing user behaviors.
User Experience Trumps Technical Specs
The breakthrough for Web3 finance won’t come from complex yield strategies. It will happen when participation becomes effortless. Telegram’s ecosystem shows how financial services can integrate naturally into daily digital routines.
The Path Forward: Seamless Financial Access
TON’s next development phase, deeply integrated with Telegram, will redefine financial engagement. AI assistants will guide users through transactions, making crypto complexities invisible. This represents a shift toward financial services that work quietly in the background while transforming digital asset interactions.
