MINTIES: The Telegram-native Financial Super-App for the Next Billion.

1. The Problem: The "Complexity Chasm" with DeFi and Crypto

Despite a decade of innovation, DeFi remains an elite playground. By the end of 2026, it is projected that only 215.8 million people will actively use DeFi. A technology with so much promise is used by a tiny fraction of tech-savvy, 'elite'.

A large pecentage of global non-users, non-adopters of DeFi, are blocked blocked by three persistent walls:

• The Technical Wall: Seed phrases and private keys remain the #1 deterrent for the average mobile user.

• The Economic Wall: The "Gas Catch-22" (needing native tokens to pay for stablecoin transfers) prevents instant onboarding.

• The Isolation Wall: Finance is social, yet DeFi remains a lonely, "single-player" experience tucked away in complex browser extensions.

2. The Solution: Contextualized for 2026

Minties leverages the two most powerful forces in the digital world today: Telegram’s 1 Billion+ distribution and MetaMask’s Smart Account infrastructure.

We don't ask users to "join Web3." We give them a financial tool that works where they already talk.

The Minties Framework:

• Invisible Onboarding: Leveraging MetaMask Smart Accounts, we link a wallet directly to a Telegram ID. No seed phrases. No setup. Access is delegated through the app’s advanced permissions, making it feel like a Web2 login with Web3 sovereignty.

• Gasless by Design: Through ERC-4337 Paymasters, users never see a "Gas Fee." They pay for transactions in the stablecoins they are actually sending, or the fee is sponsored by the protocol.

• The Velocity of Gifting: We use Viral Gifting as our primary Trojan Horse.

3. Key Product Features

4. Why Now? The 2026 Tech Stack

Minties succeeds in 2026 because the tech has finally caught up to the vision:

1. MetaMask Smart Accounts: Allows us to request Advanced Permissions. Users can authorize "MoneyBox" to move funds into Aave without needing to sign every individual transaction.

2. Envio HyperSync: Traditional DeFi apps are slow. By using HyperSync, Minties indexes transaction data 100x faster than traditional RPCs. Your transaction history isn't just "on-chain"; it’s instant, searchable, and social.

3. Telegram Mini-App Maturity: By 2026, users are accustomed to doing everything in-app (Games, Shopping). Minties is the logical "Financial Layer" for this ecosystem.

5. Go-To-Market (GTM) Strategy

Phase 1: The Gifting Loop (User Acquisition)

Instead of expensive ads, our marketing budget is our users' liquidity. Every "Gift Link" sent to a non-user is a referral. The friction to claim is zero; the link creates the wallet instantly.

Phase 2: The ROSCA Migration (Retention)

Target the "Savings Circle" culture prevalent in LATAM, SE Asia, and Africa. We provide a trustless, automated version of the informal "money pools" that billions already use.

Phase 3: Community Yield (Expansion)

Integrate "MoneyBox" into Telegram's massive creator economy. Channel owners can set up "Community Yield" pools where a portion of group interest supports the creator.

6. Business Model

• Yield Spread: A 10% performance fee on the interest generated through Aave/MoneyBox.

• Micro-Fees: A $0.10 flat fee for "Savings Circle" payouts (lower than any traditional wire or bank).

• B2B SaaS: White-labeling our Gifting/Payout API for Telegram-based businesses and bot developers.

7. The Team

1. Job Oyebisi - The Strategist (CEO): Experience in scaling social apps; focused on the "Social-First" UI.

2. Victor Oluwaleye - The Architect (CTO): Expert in blockchain developer with focus on account abstraction tinkering with tools like Metamask and Envio

3. Deborah Ways - The Data Lead: Helping with Indexing to ensure the app’s performance rivals traditional Neobanks.

4. Kunle Edun - Growth Lead: Expert in viral loops and the "Link-to-Claim" referral mechanics.