Overview

What is Affluent?

Affluent (formerly Factorial Finance) is infrastructure for Trustless Asset Management, delivering the most seamless access to global yield sources.

Our mission is to make professional, yet fully trustless yield strategies available to everyday users through Telegram-native experiences that hide DeFi complexity and empower frictionless finance. Affluent strikes a deliberate balance: automation with human judgment, retail simplicity with institutional rigor, and sophisticated infrastructure with a intuitive interface.

Through expert-managed vaults operating under code-enforced rules, users interact with a clean Telegram front-end while their liquidity is continuously optimized for performance and safety behind the scenes. Innovation should benefit everyone—not just early adopters.

It is time for trustless asset management to prosper.

Key Features

• TVM-Optimized Architecture: Designed to leverage TON Virtual Machine’s parallel-processing capabilities

• Modular Design, Minimal Overhead: Highly composable components minimize on-chain message traffic

• Open Participation: Anyone can launch a lending market or create a vault

• Non-Custodial by Design: Users retain full ownership of their assets at all times