tgUSD: a stablecoin with yield

An ordinary stablecoin just sits in your wallet and earns nothing. tgUSD tries to change that: it is a stable coin meant to bring yield, and you can manage it right from Telegram. 💵

The project describes itself as a yield-generating stablecoin backed by USDT, and it runs on the Torch Finance platform. The mini app opens with the /start command.

What kind of coin it is

According to open sources, tgUSD was issued by the Torch Finance team in 2025 and is not a product of Telegram itself. The coin launched backed by USDT, and the team talked about adding other backing assets. A user mints the coin and stakes it to receive yield.

By the project's statements, the yield is formed from strategies across different decentralized finance protocols.

Where the yield comes from

Understand one simple thing: the issuer of a plain stablecoin usually does not pay holders interest. Any yield comes from somewhere.

• From lending. Someone borrows the coin and pays interest.
• From strategies. Coins are placed into protocols that earn fees.
• From a platform budget. Sometimes part of the interest is paid by project incentives, and they do not last forever.

So the yield changes from week to week. Numbers in old reviews go stale fast, so read current data only inside the app. 📈

The risks involved

Stable does not mean risk-free.

1. Contract risk. A bug in the code can lead to loss of funds.
2. Strategy risk. The protocols that hold the money can be hacked or fail.
3. Depeg risk. The coin can trade below a dollar for a while or for good.
4. Backing risk. If the underlying coin has trouble, tgUSD is affected too.
5. Withdrawal risk. In a stress period, exits may be slower or costlier than usual.

A sensible approach

Start with an amount whose loss you can bear. Try the full cycle: deposit, wait and withdraw a small part. That shows you the real fees and timing.

Do not put all your savings into one coin or one platform. Spreading out protects against nasty surprises. 🧭

Also check the tax side: in many countries staking income counts as taxable. Keep records of operations, dates and amounts so you do not have to rebuild them from memory. 🧾

Bot commands

• /start. Launch and entry into the mini app.
• /support. Help if something goes wrong.
• /ambassador. An ambassador program for people who want to talk about the project.

Account and wallet security

Using the mini app requires a wallet. Check every signature and amount before confirming. Never reveal your seed phrase, even to support. Genuine support never asks for it. 🔒

Beware of fake mini apps with similar names. Open the app only from the official bot and check the username.

Who it suits

People already familiar with crypto who want yield on stable coins and understand the risks. Newcomers should learn the basics first and start with small amounts. Reliable projects cannot promise guaranteed income, and that is a useful guide too.