Vladislav Mozharov

Why Do the Rich Get Richer and How to Achieve This?

This information could change your perspective on the world and help you make better decisions more often. By understanding this foundation, you are already ahead of 90% of people.

You have heard many times that the poor get poorer and the rich get richer. Why does this happen?

It is achieved through the use of loans. And this is not the kind of loan for an iPhone that you might be thinking of. If you take out a loan for an iPhone, it's a consumer loan, which actually makes you poorer. With the right loan, your growth accelerates significantly, and you become richer faster.

Let's break it down with an example of real estate, in which wealthy people invest:
1. A person buys a property.
2. They rent out the property and receive a steady income from it.
3. They take a loan secured by the property.
4. With this loan, they buy a new property.
5. They rent out the new property, and the income increases.
6. They repeat the cycle.

This is the simplest example that people tend to ignore. This is exactly how financial independence is achieved. The rich never sell their assets; they only accumulate them. Why cut down the tree that feeds you? Why sell an asset when you can use it as collateral? This way, you don't leave the market, the asset continues to grow, and you become richer. Money starts working for you.

And if real estate is complex and has a high entry threshold, things are different in crypto...

Let's try to repeat this scheme using Bitcoin and DeFi:
1. Buy Bitcoin.
2. Use Bitcoin as collateral.
3. Take out a loan in USDT against the collateralized Bitcoin.
4. Send the received USDT to liquidity pools or other DeFi instruments.
5. Receive a steady income from the liquidity pools.
6. Use the income to buy more Bitcoin and use it as collateral.
7. The collateral increases, allowing you to take more USDT and repeat the cycle.

Bitcoin is digital real estate. With this scheme, we constantly accumulate the main asset and generate passive income. Of course, the profit can be directed not only to $BTC but also to buy any other asset or simply cash out the profit for living expenses.

This might seem complicated, but I assure you, it is much simpler. Collateralizing Bitcoin and sending it to DeFi takes just a few clicks. Thanks to the decentralized nature of crypto, this becomes so simple and accessible. No need to go anywhere, no need to negotiate with anyone, you can do everything right from your phone while sitting at home.

With DeFi, you can achieve financial independence just like people with real estate and other assets do. DeFi is the same financial instruments from the traditional finance world, only they are accessible to everyone because in crypto no one can forbid you from using anything.

In DeFi, there are currently a huge number of opportunities to earn on simple strategies ranging from 30% to 200% per year without considering the growth of the main asset! This is a new digital economy that is at the very beginning of its path. In traditional finance, you are unlikely to achieve such results without complex strategies available to very few.
You can earn up to 40% even using only stablecoins; no bank in the world will offer you such percentages on dollars.

You can create more complex and risky strategies that will show much higher returns. This is exactly what we will be doing together—creating such strategies.

I will try to help people understand the beauty of DeFi and crypto, how to work with it, create strategies, what tools to use, and where to find them.

I'm off to prepare content. There will be a lot of useful information ahead, as I still have a lot to share.

In crypto, there's one way to earn without risking your savings.

I'm talking about airdrops.
Airdrops in crypto have existed for a long time. Projects distributed tokens for various activities: transactions, participation in testnets, making deals, and completing various quests. Unlike retro drops, where rewards are distributed for past activities, airdrops are usually known in advance.

Airdrops can be a good option for those who have a small amount of capital in crypto. But it's important to understand that this is not a systematic income, and you can't earn consistently from it. Many create entire farms of accounts to increase profits.

Chasing such drops can waste a lot of time without result, but sometimes the time spent pays off many times over. This can't even be compared to most "tap" bots in Telegram, 99% of which are worthless junk.

Undoubtedly, some tap bots with memes can indeed distribute tokens, and you might even manage to earn something. But it is more reasonable to focus on legitimate projects where there is a higher chance of a good drop. Rewards vary greatly; you can get anything from $1 to $10,000, regardless of the time spent.

There is one project in Telegram that I am participating in while waiting for a drop: Blum.

Briefly about Blum:
A full-fledged product is expected — a hybrid exchange inside Telegram. On this exchange, according to the founders, it will be possible to exchange any asset from all blockchains. It combines CEX with DEX and has P2P. Blum will not require KYC verification, which is a delight, especially considering how many verification steps are required on platforms like Binance.

The best part is that all the referred users will remain linked to you when the product becomes a full-fledged exchange. So, in addition to the token drop, you will also receive a percentage of all your referrals' transactions. This is especially relevant for people with an audience.

The founders of Blum are top managers and co-founders of Binance, which speaks to the seriousness of the project. Blum has a good chance to occupy a niche and compete with existing top exchanges. You can only join Blum by invitation.

Continuing on the topic of airdrops:
There is a way to get tokens without investing time. DOGS and CATS are projects where points are credited depending on the registration date in Telegram. Unlike tap bots, here it only takes one minute to start and link your wallet to receive tokens. You might not earn anything here, but at least you won't regret the time spent.

I wouldn't consider other tap bots; there's a high risk of wasting time, which is better invested in self-development.

I don’t believe in Bitcoin.

It might sound strange coming from a crypto enthusiast, but I’ve never been particularly interested in #BTC.

Why don’t I believe in it?
It seems to me that #Bitcoin has long ceased to be anything but a tool for manipulators. There’s a huge amount of hype and marketing around it, claiming it’s digital gold and will be worth $10,000,000. People rush to invest their money in hopes of becoming richer, without even understanding the essence of #crypto and #Web3.

Of course, we are all here for personal gain, but when it comes to mere market speculation and nothing else, it raises questions and doubts.

I don’t believe in a million-dollar #Bitcoin. I see a trend of diminishing growth with each subsequent cycle. I think Bitcoin’s dominance will gradually decrease and give way to other, more technologically advanced projects. Like gold (with which Bitcoin is often compared), it may occupy some position, but certainly not the leading one.

I have a simple principle: I invest in fundamental technologies that I use myself, which bring some value and benefit to society. I don’t see any benefit in Bitcoin. Undoubtedly, it was a technological breakthrough once, but times change. The only thing I ever used Bitcoin for was transferring funds to a person in another country, but there have been better and more efficient solutions for a long time.

As I said, I consider Bitcoin purely a tool for market manipulators and speculators. There is no fundamental basis behind it; the technology is outdated and develops very slowly. And blockchain without smart contracts starts to seem absurd.

Bitcoin will live exactly as long as the reptilians controlling this market wish.

I urge you to at least spend a little time analyzing the asset you are investing in.

If you really want to get into crypto, not just buy coins on an exchange and frantically look for the right moment to sell, I recommend studying the #DeFi ecosystem more thoroughly. And you can start with the #TON blockchain, as it will lead the new wave of the bull market.

But personally, have you used Bitcoin for anything other than “buy low - sell high”? I invite you to discuss this topic.

Today marks the launch of Telegram Stars

The announcement of these stars has already been made previously.

The gist of it: Apple is pressuring Telegram because payments in bots and mini apps bypass their system. Under this pressure, Telegram is launching its own internal currency — Telegram Stars.

From now on, all bots and mini apps must accept payments exclusively through Telegram Stars, otherwise, owners risk losing a significant portion of users who use Telegram from the App Store and probably Google Play.

What’s cool:
- Conversion rates are expected to increase because now all payments are processed natively, quickly, and conveniently.
- No more need to come up with payment schemes and connect third-party services.

The downsides:
- Now, 30-50% of all income must be paid. 😭
However, Durov reassured that there would be discounts on promotion through Telegram Ads. This effectively reduces the commission to almost 0%, provided the profit is reinvested in product promotion.

Overall, I like the update. I also expect an increase in conversions in bots. The only thing that confuses me is the huge commissions.

Off to set up the payment system in my @to_notion_robot.

Has everyone already discussed the new version of ChatGPT 4o? I watched the presentation, and it's mind-blowing. The speed at which OpenAI's technologies are developing is also impressive.

Key points:

💠 Sound Processing: ChatGPT now recognizes all surrounding sounds and supports real-time conversation. It's incredible because now you can talk to it like a person, you can interrupt it, and as shown in the presentation, it can even guide you on how to breathe by listening to your inhales and exhales.

💠 Speed: The model has become significantly faster, which is noticeable. Responses are generated instantly.

💠 Free Access: ChatGPT 4o is available for free. Previously, only ChatGPT 3.5 was free, which was much less capable than ChatGPT 4. Now everyone can use the flagship model for free.

💠 Emotions in Voice: ChatGPT's voice now expresses emotions, changes pitch, and can even sing a song or tell a creepy story in a spooky voice if you want.

💠 Video Calls: You can literally "call" ChatGPT. The model processes video and sound in real-time. You can turn on your camera, show anything, and ask for advice or discuss it with ChatGPT. In the presentation, they showed an example of solving problems on paper and discussing the user's appearance and emotions.

💠 Mac Application: A separate application for Mac with the ability to call and share your screen. The model understands what's happening on the screen and provides answers based on that information, just like in a video call.

It's especially fascinating to imagine various robots working on a similar model.

It seems the future has already arrived...

💠 EVAA Protocol

This is a decentralized lending protocol, another fundamental element of any DeFi ecosystem.

You can use your tokens as collateral, and the protocol will automatically assess their value, allowing you to borrow any available tokens equivalent to your collateral. If the debt starts to exceed the collateral amount, the pledged tokens will be automatically sold to cover the debt.

This enables additional income from interest and the use of borrowed funds without selling your tokens. There are no restrictions on using borrowed funds – you can even withdraw them as fiat or pledge the borrowed tokens again (potentially risky).

💠 TonRaffles

This project offers a set of tools to help users launch and grow their projects. Anyone can create and launch the initial distribution and sale of their token or NFT on this platform.

Tools:
• Swap - token exchange
• Jetton Launchpad - distribution of your tokens and participation in other token distributions
• NFT Launchpad - similar to Jetton Launchpad, but for NFTs
• Jetton Minter - create your own token
• Lock - token locking and vesting
• Jetton Simple Staking - staking tokens to earn rewards

TonRaffles has its own RAFF token, which has various uses within the project's ecosystem, including participation in DAO voting.

The project also has its own NFTs that grant access to a closed community.

Yesterday, the project announced an airdrop. To participate in the rewards distribution, you need to buy 1 RAFF daily and confirm this with their bot: @tonraffle_bot.

💠 TONStart

This is more of an event focused on educating and attracting newcomers to the TON ecosystem. In this bot, you can complete various tasks and qualify for a share of the prize pool.

💠 DuckCoin

This is simply a meme coin that I've decided to farm. As far as I know, the token currently doesn't have any functional use, but the project's community is over 50,000 people strong.

You can farm points for free in the bot and qualify for potential rewards. Just click a button every 8 hours, complete tasks, and invite friends.

💠 YesCoin

Another meme coin that can be farmed effortlessly. Currently, it doesn't offer any useful functionality.

Recently, they've added the option to farm coins offline by purchasing a Pac-Man using in-game currency, which allows you to check in every 12 hours and automatically farm coins.

⚙️ About the Projects on TON I’m Involved In

As promised, I'm sharing information about the projects. Again, let's not delve into technical details, just the main points. If you're particularly interested in the technical aspects, feel free to ask questions in the comments.

While preparing this post, a couple more activities were added:

💠 STON.fi

This is a decentralized exchange available directly through a Telegram bot. Here, you can buy, sell, and exchange any tokens, and no one can prohibit you from doing so. This functionality is considered one of the most important in the DeFi ecosystem of any blockchain.

Tokens are exchanged through liquidity pools consisting of two different tokens. Anyone can create a liquidity pool with any tokens. For example, if I have some TON and USDT, I can create a liquidity pool and provide my tokens for exchange. Each pool has a transaction fee, meaning any exchange in this pool will reward me with tokens for providing liquidity.

This gives people with capital the opportunity to earn extra income by providing their tokens to the liquidity pool. However, providing liquidity carries the risk of impermanent loss (https://academy.binance.com/en/articles/impermanent-loss-explained), which depends on price changes and the duration of liquidity provision.

In addition, by providing liquidity, you receive other tokens indicating that you provided liquidity to a particular pool. These tokens can be used for "farming," which increases profitability and reduces the risk of impermanent loss. Farming typically provides high annual returns, but reward distribution is time-limited.

The project also has the STON token, which can be "staked" for a period of 3 to 24 months to receive ARKENSTON tokens (governance tokens that allow voting in the DAO) and GEMSTON tokens (whose value is currently hidden to engage users) as rewards.

💠 DeDust

Another decentralized exchange that operates on similar principles to STON.fi. Here, you can also provide liquidity and receive rewards.

Unlike STON.fi, there is no liquidity farming, but anyone can "boost" any pool by distributing additional rewards to those providing liquidity. For instance, if I provide liquidity for DUCK/TON and someone boosts this pool with the RAFF token, I will receive RAFF in addition to DUCK and TON fees until the reward runs out.

The project has the SCALE token, which can be staked to earn a share of the protocol's revenue.

💠 GetGems

This is an NFT marketplace where anyone can sell or buy existing NFTs or publish their own NFT collection.

Yesterday, the project announced a new season of Absurd League with token and NFT giveaways. To qualify, you need to complete two microtransactions daily through this link. All participants are guaranteed to receive an NFT if they meet the requirements.

💠 Blum

A project run by former top managers of Binance, this will be a futures exchange on Telegram Mini Apps.

Currently, their bot allows farming project points, the value of which is not yet clear but potentially offers a chance to earn the project's future tokens for free.

Participation is by invitation only. My invites have run out, but you can try to find them in the project chats.

❤️ Let's demystify crypto

I want to give you some basics about crypto in general. No technical details, just the essence.

Consider this post as a guide to the world of web3 for beginners.

💠 Let’s start with understanding, what are these dApps?
dApp — decentralized applications.

Typically, dApps do not require "permission" to use, meaning they are completely open applications that anyone can work with, and no one can prevent this. An "account" in these applications is your personal crypto wallet, which you fully own and anyone can create in any quantity as they desire.

Sounds intriguing, right?

💠 So why are these applications decentralized, and what does that even mean?
dApps operate on smart contracts—think of them as the regular backend on a server, except here, the role of the server is played by blockchain, which ensures data security, stable execution, and immutability of the smart contract code (unless otherwise specified in the code of that smart contract). Therefore, even if the creators of a dApp stop operating, the dApp itself will continue to exist, and users can still interact with it, unlike in web2, where creators can simply turn off the servers and cut off access to any of the users.

Another feature of dApps is that they are Open Source, meaning anyone can contribute, modify, improve, or even create their own dApp on top of an existing one.

Of course, dApps can easily create new or integrate existing tokens, which is why there are so many tokens from different projects.

💠 Now let’s talk about tokens
Some compare tokens to company shares, but this isn’t always accurate. Each project decides how exactly a token will serve them: from distributing the project's profits among token holders to just being a meme coin made purely for fun.

Anyone can buy/sell/give away any amount of their tokens. Therefore, even the most seemingly useless tokens have some market value. That's a free market for you.

I can easily create my own token and start promoting it to my audience, which will consequently buy/farm it, thus forming its market price.
In the future, I could add value to the token by implementing some functionality tied to it, or I might do nothing at all and leave the token entirely in the hands of the community. Or I could just scam everyone.

💠 Now about DAOs
DAO (Decentralized Autonomous Organization) is a decentralized organization that is managed by rules initially set by the creators of the DAO.

A standard practice in DAOs is voting to make changes to the dApp: from changing the value of some variables in the settings to updating the code of the entire smart contract. Voting typically occurs through the project's tokens, where the more tokens a user has, the more weight their vote carries (here's your value in the form of power over the dApp).

In essence, DAOs allow for building ecosystems and applications where all management processes are transparent, and the power truly lies in the hands of the community, not in the hands of any particular corporation, although the opposite is not prohibited.

In general, almost everything in crypto is tied to freedom, which in itself carries significant value. That's why web3 is gaining such popularity.

My current activities in TON

▪️@dedust — staking, liquidity for DUCK/GRAM and DUCK/TON
▪️ @ston_fi — liquidity and farming for GRAM/TON, STON/TON, hTON/TON
▪️ @BlumCryptoBot
▪️ @EvaaAppBot — supply TON
▪️ @TONStartBot
▪️ @tonraffles — hold RAFF
▪️ @DuckTask_bot

I've tried different ecosystems: NEAR, Ethereum, Polygon, Chia, Polkadot, MINA.

I want to say that TON is the most user-friendly blockchain. I have never found it so easy and pleasant to interact with any other blockchain. I've noticed its convenience several times while conducting transactions.

Lately, I've had a constant desire to do something in the TON + Telegram ecosystem.

Why? Here are a few reasons:
- Telegram has finally launched a real bridge between web2 and web3. I can now easily engage any Telegram user in my web3 project. Most importantly, the user doesn't need to "jump through hoops" to use web3. Just installing Telegram is enough.
- Bots and mini apps are very convenient tools that open up a vast number of possibilities.
- Telegram relieves you of many obligations. At the very least, you don’t have to worry about authorization and payment acceptance.
- It's easy to attract new users and transfer traffic from your channels, chats, and bots.
- Simple integration of web3 into existing products.
- The ecosystem is very developer-friendly. Developing bots is a pleasure for me.

I really believe in TON and Telegram. I want to invest in this ecosystem and make it even better and freer.

By the way, I'm curious, does TON have tools for creating and managing DAOs? 🤔

Hello!
My name is Vladislav, and I'm a backend developer.

In addition to my day job, I also create and launch my own projects. Through this channel, I aim to share my experiences, discuss my projects, productivity tools and achievements.

My current goal is to ensure that my projects become my main source of income, enabling me to no longer work for someone else.