TN Vault is an AI-driven lending and risk management protocol that enables users to collateralize multichain assets while maintaining access to liquidity without selling their cryptocurrency holdings.

Overview

TN Vault operates as a comprehensive DeFi platform that allows users to deposit various cryptocurrencies as collateral and borrow against them. The protocol supports multiple blockchains including Solana, TON, BNB, and Ethereum, providing native lending capabilities without requiring asset wrapping or bridging between networks. What distinguishes TN Vault is its implementation of artificial intelligence for risk assessment, interest rate determination, and liquidation protection, creating a more dynamic and responsive lending environment compared to traditional DeFi protocols with static parameters ^[1].

The platform consists of three core components: a non-custodial multichain wallet, a lending protocol, and a liquidity layer. This integrated approach allows users to manage their assets, access loans, and provide liquidity all within a single ecosystem. The protocol's design emphasizes user control and security, with the non-custodial wallet ensuring that users maintain full ownership of their private keys and assets ^[2].

TN Vault's development roadmap indicates a phased approach to building out the ecosystem, beginning with community building through airdrops and progressing to the launch of core functionality including the wallet, lending capabilities, and DeFi features. The project aims to create a sustainable financial ecosystem that balances risk management with user accessibility.

Key Features

Multichain Wallet

TN Vault's non-custodial Web3 wallet serves as the foundation of the ecosystem, offering:

• Support for multiple blockchains including Solana, TON, BNB, and Ethereum
• Full user control of private keys, ensuring security and ownership
• Seamless interaction with decentralized applications
• Integrated management of collateralized assets and loans ^[2]

The wallet is designed to provide a user-friendly interface while maintaining the security standards expected in Web3 applications, allowing users to interact with the broader decentralized economy.

AI-Powered Lending System

The lending protocol incorporates artificial intelligence to optimize several aspects of the borrowing process:

• Risk assessment of collateralized assets
• Dynamic interest rate determination based on market conditions
• Automated liquidation protection mechanisms
• Loan-to-value ratios of up to 50% for collateralized assets ^[2]

This AI-driven approach aims to create more efficient lending markets by adapting to changing conditions rather than relying on static parameters, potentially reducing the risk of mass liquidations during market volatility.

Liquidity Provision

TN Vault includes a liquidity layer that allows users to:

• Supply USDT to liquidity pools
• Earn rewards in the native $TVLT token
• Contribute to platform stability
• Benefit from AI-optimized yield based on market demand ^[2]

This component creates a circular economy within the platform, where users can either borrow against their assets or provide liquidity to earn rewards, creating multiple avenues for participation.

Technology

TN Vault's technology stack is built around smart contracts that facilitate the secure locking of assets and issuance of loans. The platform's workflow follows a structured process:

1. Users deposit assets into their TN Vault wallet
2. AI assesses risk and determines appropriate interest rates
3. Assets are locked in smart contracts as collateral for loans
4. Users receive liquidity in USDT
5. Optional reinvestment into liquidity pools to earn $TVLT rewards ^[3]

The integration of artificial intelligence for risk assessment represents a technological advancement over traditional DeFi lending protocols, which typically rely on fixed parameters and manual governance decisions to adjust risk models.

Airdrop Campaign

TN Vault launched a gamified airdrop campaign called "Pookie Cheese Chase" through a Telegram mini-app to build its initial user community. Key aspects of the campaign include:

• Interactive gameplay with opportunities to earn $TVLT tokens
• Referral system rewarding users for inviting friends
• Periodic rewards through "Cheese Box" distributions every 7 days
• Special games with chances to win TON cryptocurrency every 10 days ^[4]

As of February 12, 2025, the airdrop campaign had achieved significant traction:

• 970,000 registered users
• Over 200,000 Telegram channel subscribers
• 20,000 Twitter followers ^[5]

The campaign represents the first phase of TN Vault's community building strategy, with a second airdrop round planned for Q2 2025.

Roadmap

TN Vault has outlined a comprehensive development roadmap spanning from Q1 2025 through Q2 2026 and beyond:

Q1 2025 (Completed)

• Development and launch of the Pookie Chase Bot mini-app
• Achievement of nearly 1 million registered users
• Establishment of social media presence across multiple platforms ^[5]

Q2 2025

• Development and launch of the first version of TN Vault Multichain
• Commencement of smart contract development
• Second airdrop round
• Expansion of marketing efforts ^[5]

Q3 2025

• Token Generation Event (TGE)
• DEX and CEX listings with liquidity provisioning
• Development of loan functionality
• Beta testing of the TN Vault loan system ^[5]

Q4 2025

• Launch of DeFi features
• Further marketing expansion
• Enhancements to the TN Vault wallet ^[5]

Q1 2026

• Full-scale launch of the TN Vault application
• Scaling and global expansion initiatives ^[5]

Q2 2026 and Beyond

• Ecosystem growth and expansion
• International promotion
• Ongoing innovation and development ^[5]

Tokenomics

TN Vault's native token, $TVLT, serves multiple functions within the ecosystem. The tokenomics model is described as "sustainable and balanced" and "designed for long-term growth and ecosystem stability" ^[6].

The token is used for:

• Rewarding liquidity providers
• Distributing airdrop incentives
• Potentially governance (though not explicitly stated)

While specific token allocation percentages are not detailed in the available information, the project indicates that the token distribution is structured to support the long-term viability of the ecosystem.

Community and Social Presence

TN Vault has established a significant community presence across multiple platforms:

• Telegram Channel: Over 223,491 subscribers as of the available data ^[7]
• Twitter/X: @tnvault with 20,000+ followers ^[8]
• LinkedIn: Corporate presence for professional networking ^[9]
• YouTube: Video content distribution ^[10]
• Instagram: Visual content and updates ^[11]

The project maintains active communication with its community through these channels, sharing updates on development progress and upcoming features.

Competitive Landscape

While specific competitors are not mentioned in the available information, TN Vault operates in the competitive DeFi lending space alongside established protocols such as Aave, Compound, and MakerDAO. The project's multichain approach and AI-driven risk management represent potential differentiators in this market.

Traditional DeFi lending protocols typically operate on single chains or require bridging solutions for cross-chain functionality, whereas TN Vault aims to provide native lending capabilities across multiple blockchains without wrapping or bridging assets.