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How to Participate in Affluent Earn in imToken?

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About Affluent

Affluent is a decentralized, non-custodial asset management protocol built on the TON network. It offers features such as strategy vaults (Vaults) and lending markets. Users can earn yield by depositing assets, or improve capital efficiency through collateralized borrowing.

Affluent’s core product—strategy vaults—automatically executes on-chain strategies based on predefined rules. It aims to help users optimize returns while retaining ownership of their assets.

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How to Participate in Affluent Earn in imToken

Before you start

Ensure your TON wallet holds sufficient GRAM (prev. TON) to pay for on-chain gas fees.

Step 1: Connect your wallet

  1. Open your TON wallet in imToken and switch to the Browser tab.
  2. Search for Affluent or visit: https://app.affluent.org/earn
  3. Tap Connect Wallet (top right), then approve the connection request.

Step 2: Choose a vault

Affluent offers multiple asset vaults. This guide uses Gold Multiply Vault as an example:

You deposit XAUt0 (Tether Gold on TON, a token whose price is pegged to gold). The vault executes strategies according to its rules to generate yield.

  1. From the vault list, find and open Gold Multiply Vault.
  2. Review the vault details, including the overview, APY (Annual Percentage Yield), and FAQ.

Reminder: APY and the displayed data may change with market conditions and strategy adjustments. Make sure you understand how the vault works before proceeding.

Step 3: Deposit tokens

  1. On the Gold Multiply Vault detail page, tap Supply.
  2. Enter the amount of XAUt0 you want to deposit, tap Supply, then sign the transaction in your wallet.

Tip: If you don’t have enough XAUt0, you can use DApps such as STON.fi to swap TON (or other tokens) for XAUt0.

Step 4: Track and withdraw your assets

  1. After the transaction is confirmed, you can view the vault you joined and your accumulated earnings under Your Vaults on the DApp home page. You can also open the top-right menu (≡) and go to Portfolio.
  2. To withdraw, tap the three-dot icon on the vault card → Withdraw. Enter the amount, tap Withdraw, then confirm and Send the withdrawal transaction.
  3. Once completed, your assets (usually including accumulated earnings) will be transferred back to your wallet address. Return to your wallet home page to check your token balance.

FAQ

Q1. Where does the yield come from?

Using Gold Multiply Vault as an example, yield is mainly generated through a looping strategy. The DApp uses your deposited XAUt0 as collateral to borrow stablecoins, then deploys the borrowed assets according to the strategy to generate additional yield.

Your final returns typically depend on factors such as borrowing rates, utilization, and current market liquidity. As a result, APY is dynamic and may change over time.

Q2. Is there a lock-up period? Can I withdraw at any time?

Affluent typically does not enforce a fixed lock-up period and supports withdrawals at any time. The actual processing time depends on the network status.

Official Affluent Channels

Risk Warning: The content of this article does not constitute any form of investment advice or recommendation. imToken does not make any guarantees and promises for the third-party services and products mentioned in this article, nor assume any responsibility. Digital asset investment has risks. You should carefully evaluate these investment risks and consult with relevant professionals to make your own decisions.