TN Vault is redefining how users access liquidity in Web3. With support for major blockchains like TON, Solana, Ethereum, and BNB , it allows users to borrow USDT without selling their crypto holdings. No wrapping. No bridging. Just native lending , powered by AI-driven risk management and wrapped in a seamless user experience.
Even though the protocol remains under active development, TN Vault has already gained significant traction — with over 1 million users onboarded through its gamified Telegram campaign.
What Is TN Vault?
TN Vault is a multichain lending protocol that allows users to borrow USDT directly against their digital assets , regardless of which chain those assets are on. Whether you hold tokens on Solana, TON, Ethereum, or BNB , TN Vault lets you unlock liquidity while keeping your assets intact and native to their original blockchain.
At its core, TN Vault aims to solve two major issues in DeFi:
- Friction in cross-chain lending
- Inflexible risk models that often lead to mass liquidations
The platform integrates artificial intelligence into key financial functions such as risk assessment , interest rate modeling , and liquidation protection , offering a more adaptive and secure borrowing environment than traditional protocols.
Why It Stands Out
TN Vault differentiates itself from existing DeFi lending platforms in several meaningful ways:
Native Chain Support – No Wrapping, No Bridging
Assets remain native to their chains. Users don’t need to wrap or bridge their holdings, reducing complexity and gas costs.
AI-Powered Risk Engine
Dynamic risk assessment helps adjust loan-to-value (LTV) ratios and interest rates in real-time based on market conditions, enhancing capital efficiency and system stability.
Non-Custodial Wallet Integration
Users maintain full control over private keys and funds at all times. The built-in wallet supports multiple chains and offers a unified interface for managing collateral and loans.
Cross-Platform Accessibility
Fully optimized for both web and mobile experiences , TN Vault ensures accessibility for a broad audience across devices.
Gamified User Onboarding
A Telegram-based mini-app campaign — Pookie Chase — has already brought in over one million users , proving strong early adoption and community engagement.
How It Works
TN Vault’s architecture is designed to be modular, scalable, and user-first , consisting of three main components:
1. Multichain Non-Custodial Wallet
- Supports Solana, TON, BNB, and Ethereum
- Enables decentralized app interaction
- Manages collateral and loans across chains
- Keeps users in control — always
2. AI-Driven Lending Protocol
- Allows users to deposit assets and borrow USDT
- Offers up to 50% LTV , depending on asset volatility and risk profile
- Uses AI to dynamically manage interest rates and liquidation thresholds
- Prevents cascading liquidations during volatile markets
3. Liquidity Provision Layer
- Users can supply USDT to liquidity pools
- Earn rewards in the native $TVLT token
- Contribute to system-wide stability
- Benefit from AI-optimized yield strategies
Technology Behind TN Vault
TN Vault leverages smart contracts and artificial intelligence to create a more intelligent and responsive DeFi lending infrastructure .
Here’s how the process works:
- Deposit : Users deposit supported assets into the non-custodial wallet.
- Risk Assessment : AI evaluates the deposited assets and determines appropriate LTV and interest rates.
- Loan Issuance : Users receive USDT directly into their wallets.
- Optional Yield Farming : Users can reinvest borrowed or personal USDT into liquidity pools to earn $TVLT.
- Security & Control : All assets stay on-chain, and users retain full ownership throughout the process.
This approach combines the best of DeFi security , cross-chain flexibility , and AI adaptability .
Tokenomics of $TVLT
The native utility token of TN Vault, $TVLT , plays a central role in incentivizing participation and maintaining ecosystem health.
Key Use Cases:
- Rewards for Liquidity Providers : Users supplying USDT to pools earn $TVLT.
- Airdrop Incentives : Tokens distributed via early campaigns to bootstrap community growth.
- Governance Participation (planned) : Potential future use in voting on protocol upgrades and parameter changes.
While specific allocation details have not been fully disclosed, TN Vault describes its model as “sustainable and balanced” , aiming to promote long-term value accrual and ecosystem stability.
How to Join the Movement
TN Vault is currently in its pre-launch phase , but users can already participate in its gamified onboarding campaign to qualify for early access and rewards.
Steps to Participate:
- Join the Campaign
Start playing the game that’s onboarding the next wave of DeFi users: t.me/PookieChase_bot - Earn Your Spot
Complete tasks, invite friends, and climb the leaderboard to secure early rewards. - Stay Tuned for Mainnet Launch
As TN Vault rolls out its core features, early participants will gain priority access to lending services and token distributions.
Follow the Journey
Want to stay updated on TN Vault’s progress?
Final Thoughts
TN Vault isn’t just building a lending protocol – it’s laying the foundation for frictionless, multichain borrowing . With AI-powered risk management , a non-custodial design , and a fast-growing user base , TN Vault is shaping the next chapter of decentralized finance.
As DeFi continues to evolve, projects like TN Vault prove that innovation doesn’t always mean complexity – sometimes, it means making powerful tools simple, accessible, and secure for everyone.
