Eowyn Chen on Trust Wallet’s Evolution: From Self-Custody to Web3 Companion

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At Proof of Talk 2025—a dynamic intersection of vision, policy, and product innovation—BeInCrypto sat down with Eowyn Chen, CEO of Trust Wallet, for an insightful conversation about the future of digital ownership and decentralized finance. With an audience of developers, regulators, and strategic partners in attendance, Chen laid out a compelling roadmap: transforming self-custody wallets from simple asset vaults into intelligent Web3 companions.

This evolution is not just technical—it's philosophical. Trust Wallet is redefining what it means to own and manage digital assets by integrating real-world value, yield opportunities, and AI-driven usability—all while preserving user sovereignty. The discussion highlighted key launches like Stablecoin Earn, native real-world asset (RWA) integration, and a forward-looking AI strategy designed to make Web3 accessible to everyone, regardless of technical expertise.

From Storage to Financial Empowerment

Gone are the days when crypto wallets were seen merely as secure places to store keys. Today, Trust Wallet envisions itself as a gateway to financial inclusion. As Chen emphasized during the session:

“Self-custody is no longer just about security—it’s about access. It’s about enabling users to participate in global finance on their own terms.”

This shift reflects a broader industry movement from speculation to utility. Users aren’t just holding crypto; they’re actively seeking ways to grow their assets, manage risk, and interact with decentralized financial systems seamlessly.

To meet this demand, Trust Wallet has introduced a suite of tools that go beyond basic transactions—tools that empower everyday users, especially those in emerging economies who may lack access to traditional banking.

👉 Discover how a truly user-first Web3 wallet can transform your financial journey.

Stablecoin Earn: Turning Idle Assets into Growth Engines

One of the most significant developments discussed was the launch of Stablecoin Earn, a feature born from direct user feedback. Data revealed that billions of dollars in stablecoins remained idle across Trust Wallet addresses—even during bull markets. For many users, particularly in regions with high inflation or limited banking infrastructure, stablecoins function as digital savings accounts.

Yet, until recently, there was no simple, secure way to earn yield without sacrificing control.

Stablecoin Earn changes that. By leveraging trusted DeFi protocols under the hood while maintaining full self-custody, the feature allows users to generate passive income directly within the app. Within just four weeks of launch, the product attracted over $30 million in total value locked (TVL)—a clear signal of strong market demand.

This isn’t about chasing high-risk returns; it’s about offering reliable, low-friction financial tools to people who need them most.

Real-World Assets Go On-Chain—And Into Your Wallet

Another groundbreaking advancement is Trust Wallet’s integration of tokenized real-world assets (RWAs). From real estate to bonds and commodities, RWAs represent a bridge between traditional finance and blockchain innovation.

Chen clarified that Trust Wallet does not hold or broker these assets. Instead, users maintain full control over their tokenized holdings as on-chain assets. Through an enhanced swap interface, users will soon be able to:

Behind the scenes, Trust Wallet collaborates with regulated RWA infrastructure providers to ensure liquidity and compliance. But the user experience remains unified and self-custodial.

This marks a pivotal moment: for the first time, a major self-custodial wallet is embedding direct access to real-world investments, opening doors to diversified portfolios without intermediaries.

The Web3 Companion: More Than Just a Wallet

Trust Wallet’s ambition extends far beyond being a transaction tool. Its evolving identity—as a Web3 companion—reflects a holistic approach to digital finance.

Think of it as your personal financial assistant in the decentralized world. Whether you're swapping tokens, staking assets, managing gas fees with FlexGas, or participating in governance, the wallet simplifies complex actions through intuitive design.

Key features driving this transformation include:

The goal? To become the neo-bank of Web3—one that never holds your funds, yet offers all the functionality of modern banking.

👉 See how next-gen financial tools are reshaping ownership in Web3.

AI: The Invisible Layer Making Web3 Feel Effortless

Artificial intelligence is set to play a central role in Trust Wallet’s future. Rather than replacing user control, AI acts as an intelligent layer that reduces friction and enhances security.

Planned AI functionalities include:

In a fragmented ecosystem where security threats are rising and user onboarding remains challenging, AI can dramatically lower barriers to entry. It makes Web3 feel as smooth as Web2 apps—without compromising privacy or decentralization.

As Chen put it:

“AI shouldn’t make decisions for you. It should help you make better ones—safely, privately, and on your terms.”

Who Is the Trust Wallet User?

Understanding the user base is key to building meaningful products. Trust Wallet’s community is global, mobile-first, and increasingly composed of individuals from fast-growing economies.

These users are often “holder-ish”—not day traders chasing volatility, but financially curious individuals looking to build long-term wealth. They value autonomy, simplicity, and practical utility.

For many, Trust Wallet is their first—and only—entry point into digital finance. That responsibility drives the team’s focus on education, security, and inclusive design.

FAQ: Your Questions Answered

Q: What does "self-custody" mean in practice?
A: Self-custody means you fully control your private keys and assets. No third party can freeze, access, or manage your funds—you are the sole owner.

Q: Can I really earn yield on stablecoins without giving up control?
A: Yes. Stablecoin Earn uses non-custodial DeFi integrations, so your assets remain in your wallet at all times while earning interest through secure lending protocols.

Q: Are tokenized real-world assets safe to invest in?
A: As with any investment, risks exist. However, Trust Wallet partners only with vetted RWA platforms that provide transparency, legal backing, and audit trails.

Q: How does AI improve security in the wallet?
A: AI analyzes transaction patterns and contract code in real time to flag potential scams, phishing attempts, or malicious dApps before you interact with them.

Q: Will Trust Wallet support more blockchains in the future?
A: Absolutely. The roadmap includes expanded multi-chain support to ensure seamless cross-chain interactions and broader access to decentralized applications.

Q: Is there a cost to use Stablecoin Earn or RWA features?
A: There are no additional fees charged by Trust Wallet. Users only pay standard network transaction costs when interacting with underlying protocols.

Building the Financial System of Tomorrow

To onboard the next billion users, crypto must move beyond hype. Features like RWA access, stablecoin yields, and smart gas management aren’t gimmicks—they’re essential building blocks of a fairer, more inclusive financial system.

Trust Wallet’s mission is clear: make Web3 not just easier to use, but genuinely useful. By combining self-custody with powerful utilities and intelligent design, it’s paving the way for mass adoption—one user at a time.

👉 Join the evolution of digital ownership and explore what’s next in Web3 finance.

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