MINTIES: Breaking the 2.74% Ceiling

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

1. The Problem: The "Complexity Chasm" of 2026

Despite a decade of innovation, DeFi remains an elite playground. By the end of 2026, it is projected that only 215 million people will actively use DeFi. In a world of 8.3 billion people, that represents a penetration rate of just 2.74%.

The remaining 97% of the global population is blocked by three persistent walls:

• The Technical Wall: Seed phrases and private keys remain the #1 deterrent. One lost phrase equals lost life savings.

• The Economic Wall: The "Gas Catch-22." Users shouldn't need to hold $MNT or $ETH just to move the $USDC they actually own.

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

2. The Solution: The Invisible Bank

Minties leverages Telegram’s 1 Billion+ users and MetaMask’s Smart Account infrastructure to make Web3 invisible. 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: We link a MetaMask Smart Account directly to a Telegram ID. No seed phrases, no setup—just "Start."

• Gasless by Design: Through ERC-4337 Paymasters, users never see a "Gas Fee." Fees are abstracted or paid in the asset being moved.

• Social Velocity: We use Viral Gifting and Savings Circles to turn every user into an onboarding agent.

3. Key Product Features

• Smart Wallets: Instant, non-custodial wallets via Telegram ID with Delegated Permissions (ERC-7715).

• MoneyBox: Goal-based vaults yielding automated interest via Aave V3.

• Viral Gifting: Send crypto via a simple link claimable by anyone—even those without a wallet.

• Savings Circles: Digitalized ROSCA-style pooled savings groups, making group finance trustless and automated.

• Refined Real Estate (NEW): A fractional asset marketplace on Mantle Network. Users can "Save to Buy" premium assets, trade shares instantly, and form "Buying Circles" to acquire property with friends.

• Activity Logic: A Venmo-style social financial feed powered by Envio HyperSync for sub-second responsiveness.

4. Why Now? The 2026 Tech Stack

• MetaMask Smart Accounts: Enables Delegated Access. Users can authorize "MoneyBox" to execute recurring savings or property investments without signing every individual transaction.

• Mantle Network: High performance and modular data availability make fractional real estate trading viable for micro-investors with near-zero latency.

• Envio HyperSync: Traditional RPCs are too slow for social apps. HyperSync indexes data 100x faster, ensuring your "Activity Feed" is always real-time.

5. Progress & Technical Achievements

We have built a production-ready "Financial Super-App" prototype with deep integration into the Mantle and MetaMask ecosystems:

Mantle Network Integration

• RWA Engine: Designed and deployed RealEstate.sol and AssetGroup.sol to Mantle Sepolia, allowing for instant minting of fractional property shares.

• Liquid Trading: Implemented an on-chain engine for users to buy/sell fractions of real-world assets instantly.

• Circle-to-Buy Factory: A unique contract factory enabling groups of friends to deploy their own "Buying Circle" for joint asset acquisition.

Advanced Account Abstraction

• ERC-7715 Implementation: Built a "Subscription" model for on-chain savings. Users grant a one-time permission for the app to "Auto-Save" $10/week into Aave.

• Gasless Paymasters: Fully integrated Paymasters to ensure a 100% gas-free experience for the end-user.

Social-First UX

• Envio Indexing: Used HyperSync to bypass slow blockchain queries, delivering a snappy social feed and instant transaction history.

• Telegram Native UI: A premium "Glassmorphism" interface optimized for the Telegram Mini App (TMA) environment, syncing Telegram contacts with on-chain identities.

6. Go-To-Market (GTM) Strategy

1. Phase 1: The Gifting Hook: Launch "Minty-Links." A user sends a $5 gift; the recipient clicks the link, and a wallet is instantly created via their TG ID.

2. Phase 2: The ROSCA Migration: Target existing informal savings groups in emerging markets (LATAM, SE Asia), moving them to trustless Mantle-based Savings Circles.

3. Phase 3: Fractional Wealth: Market the "Refined Real Estate" feature as the first time the 97% can own a piece of a "Blue Chip" asset for as little as $10.

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.
   

Outcome: Minties is the first app where a user can onboard, save, gift, and invest in real estate in under 60 seconds, with zero gas friction, and zero technical knowledge.