FinTech success is based on three key elements: speed, trust, and seamless user journey. For brands, finding a solution that covers all these pain points means lower acquisition costs, higher conversion rates, and stronger engagement. In this article, Sofia Mozolkova, Head of Marketing at Magnetto, shares how fintech companies can grow faster with Telegram Mini Apps.
What Are Telegram Mini Apps?
Imagine a traditional scenario where users must download a mobile app from an app store, create new accounts, proceed long verification often with the need to insert a code from an email, navigate complex interfaces, wait for new updates, and sometimes face security concerns. Now take a look at Telegram Mini Apps: these lightweight web applications run directly inside the Telegram messenger, and are accessible instantly without any downloads. Users can open accounts, transfer money, or claim rewards within their existing Telegram profile. Once launched, the app stays in the chat history and can be reopened anytime, just like a conversation with a friend. In addition, Telegram users can instantly share Mini Apps with their contacts or within groups.
TMAs provide rich, interactive, app-like experiences with integrated payments, onboarding flows, and financial tools in a platform with over 1 billion active users who are already digitally engaged.
But why should the FinTech brand pay attention now? Because now Telegram is transforming into a financial super-app — and early adopters of Mini Apps are already seeing a measurable impact both on retention, and ROI. Just take a look at how Altery acquires paying users from the UK and EU.
How Telegram Mini Apps Lower Barriers to Entry
In FinTech, the first hurdle is often user acquisition. Traditional funnels — from ad click to app store to install to registration — are long, leaky, and expensive. Every additional step increases drop-off rates. Telegram Mini Apps remove most of these frictions.
Here’s how:
- No need to download. Users access the Mini App directly from an ad, message, or QR code without leaving Telegram. This significantly reduces acquisition friction.
- Instant registration. With Telegram’s built-in authorization, users can sign in to the Mini App in one tap — no need of filling forms, or making up passwords.
- Pre-qualified traffic. Telegram’s ad ecosystem allows fintech brands to run targeted ads in finance-related channels, and drive highly relevant users to the Mini App.
By shortening users’ paths, fintech companies can cut costs on paid traffic, improve conversion rates, and scale faster — especially in markets where users are mobile-first but app-fatigued.
Pro tip: Combine Telegram Mini Apps with Telegram Ads and influencer seeding campaigns across relevant finance channels to multiply reach and attract those who are already active within fintech communities.
Telegram Mini Apps Keep FinTech Users Coming Back
Getting users is just the first step — the real ROI in fintech comes from activation and retention. That’s where Telegram Mini Apps shine even brighter.
Let’s find out why:
- Native-like experiences. Mini Apps feel like a seamless part of Telegram. This keeps users comfortable and engaged.
- Push-friendly ecosystem. Unlike traditional apps where notifications often get ignored, Telegram notification messages feel native and personal, leading to higher open and click-through rates.
- Gamified user flows. Many fintech Mini Apps now turn everyday finance actions into habit-forming behaviors. For example, crypto wallets are gamifying the onboarding process using treasure hunts, quizzes, or “learn to earn” mechanics. Users are rewarded for learning how the wallet works, which not only educates them but also builds immediate engagement and trust.
Take as example, one of Magnetto’s clients, Blum, a crypto trading firm, launched its TMA in April 2024 and quickly became one of the platform’s most visited fintech Mini Apps. By the end of 2024, Blum was generating a daily trading volume of $250 million — a 400% increase since its launch. Additionally, Blum’s gamified ecosystem, including daily tasks and mini-games that reward users with points, has attracted a large community of crypto newcomers — over 50% of active users had no prior Web3 experience. This makes Blum a prime example of how Telegram Mini Apps can accelerate fintech growth and ROI.
In conclusion
Fintech brands benefit from Telegram’s continuous rollout of advanced features such as token-gated social trading, on-chain settlement, and one-tap DeFi integration, which collectively create an infrastructure for secure and seamless financial transactions within the Telegram app.
The ease of access significantly lowers entry barriers for new users (including crypto newcomers), and expands the audience for fintech companies. Leading brokers and trading platforms like Naga, Blum, and TradingView have already demonstrated substantial growth and user engagement by leveraging Telegram Mini Apps.
Looking ahead, the trend toward Mini Apps is poised to become a new norm in fintech, driven by Telegram’s expanding developer ecosystem and growing support for Web3 technologies through the TON blockchain.
Sofia Mozolkova, Head of Marketing, Magnetto
