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

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At Proof of Talk 2025, where vision, policy, and product converge, BeInCrypto sat down with Eowyn Chen, CEO of Trust Wallet, for an insightful conversation. Surrounded by builders, regulators, and industry partners, Chen unpacked how self-custody wallets are transforming into full-featured Web3 companions—bridging the gap between decentralized finance and real-world utility.

From stablecoin yield solutions to tokenized real-world assets (RWAs) and AI-driven security, Trust Wallet is redefining what a crypto wallet can be. This isn’t just about storing digital assets anymore—it’s about empowering users with tools for financial growth, security, and seamless access to next-generation finance.

The Shift from Storage to Utility: Trust Wallet’s New Vision

Proof of Talk 2025 was the perfect stage to discuss the evolution of self-custody. No longer just a vault for crypto, modern wallets like Trust Wallet are becoming gateways to financial inclusion, especially for users in emerging markets.

Eowyn Chen emphasized that the core mission is clear: make Web3 secure, accessible, and practical for everyone. This means moving beyond speculation and into real utility—offering features like DeFi access, staking, and now, real-world asset integration.

“Self-custody is no longer just about holding assets. It’s about unlocking financial opportunities—anytime, anywhere.”

The shift reflects a broader industry trend: from hype to sustainable utility. And Trust Wallet is positioning itself at the forefront of this transformation.

👉 Discover how the next generation of crypto tools is making finance more accessible than ever.

Stablecoin Earn: Safe, Self-Custodied Yield for Everyone

One of the most compelling insights from Trust Wallet’s user data? Billions of dollars in stablecoins were sitting idle—even during bull markets.

Why? Because many users, particularly in underserved economies, treat stablecoins as digital savings accounts. But until recently, they had no safe, simple way to earn yield without sacrificing control.

Enter Stablecoin Earn, a built-in feature that allows users to generate passive income—all while retaining full custody of their assets.

Within just four weeks of launch, Stablecoin Earn attracted over $30 million in total value locked (TVL)—entirely from self-custodied wallets. This surge confirms a powerful trend: users aren’t chasing moonshots. They’re seeking reliable, low-risk growth.

Features like this address a critical need: financial tools that don’t require trust in third parties. For millions globally, this is the first time they can grow their wealth on their own terms.

Real-World Assets (RWAs): Bringing Tangible Value On-Chain

Tokenized real-world assets are no longer theoretical—they’re becoming a cornerstone of decentralized finance. And Trust Wallet is making them accessible.

Chen clarified that self-custody remains non-negotiable: Trust Wallet doesn’t hold or broker assets. Instead, users own their tokenized instruments directly on-chain, preserving full control.

Through an enhanced swap interface, users will soon be able to:

Behind the scenes, Trust Wallet is partnering with leading RWA infrastructure providers to enable secondary market access—without ever taking custody.

“This is the first time a major self-custodial wallet will embed RWA access natively. It’s not just convenience—it’s financial empowerment.”

This integration opens doors for everyday users to diversify into assets previously reserved for institutional investors.

👉 See how decentralized finance is unlocking access to real-world investments.

The Web3 Companion: More Than Just a Wallet

Trust Wallet’s vision goes far beyond transactions. The goal? To become the Neo-bank of Web3—without ever holding user funds.

Think of it as a smart financial companion that helps users:

Features like Buy+, Stablecoin Earn, and FlexGas are designed to remove friction. The result? A smoother, more intuitive experience that doesn’t require coding skills or deep blockchain knowledge.

This holistic approach reflects a deeper truth: users don’t want complexity. They want tools that work—tools that fit into their lives.

AI as the Invisible Guardian of Web3

Artificial intelligence isn’t just a buzzword at Trust Wallet—it’s a core part of the roadmap.

Chen highlighted how AI will act as an invisible layer of protection and efficiency, making Web3 feel as seamless as Web2—without compromising privacy or control.

Planned AI-powered features include:

In a space riddled with scams and fragmented experiences, AI can be a game-changer—especially for beginners.

“Users shouldn’t need to be experts to stay safe. AI helps us protect them without taking over.”

By abstracting complexity, Trust Wallet aims to onboard the next wave of global users—confidently and securely.

Who Is the Trust Wallet User?

The Trust Wallet community is vast and diverse, but one segment stands out: the mobile-first, financially curious individual in fast-growing economies.

Often underserved by traditional banking, these users are what Chen calls “holder-ish”—not active traders, but engaged savers looking to grow their wealth on their own terms.

They use Trust Wallet not for speculation, but for:

Understanding this user is key to building products that truly matter.

Building the Financial System of Tomorrow

To onboard the next billion users, crypto needs more than hype. It needs real infrastructure—tools that solve real problems.

That means:

These aren’t gimmicks. They’re the foundation of a new financial system—one that’s open, inclusive, and user-owned.

Trust Wallet isn’t just simplifying crypto. It’s making it relevant.

Frequently Asked Questions (FAQ)

What is a Web3 companion?

A Web3 companion is a wallet that goes beyond storage to offer integrated tools for earning, swapping, staking, and managing assets—making decentralized finance accessible and intuitive for everyday users.

How does Stablecoin Earn work without compromising custody?

Stablecoin Earn connects users to trusted DeFi protocols while keeping assets in their self-custodied wallet. Trust Wallet never holds user funds—users maintain full control at all times.

Can I access real-world assets directly in Trust Wallet?

Yes. Through native integration with RWA platforms, users will soon be able to browse, buy, and manage tokenized real-world assets like bonds or real estate directly within the app.

Is AI in wallets safe for user privacy?

Yes. Trust Wallet’s AI features are designed to run locally or with minimal data exposure, ensuring user behavior insights improve experience without compromising privacy or control.

Who benefits most from Trust Wallet’s new features?

Users in emerging markets, mobile-first individuals, and those underserved by traditional banking benefit most—gaining access to savings tools, investment options, and financial autonomy.

How does Trust Wallet plan to scale security with AI?

AI will power real-time scam detection, gas optimization, and personalized risk alerts—helping users avoid fraud and make smarter decisions without sacrificing self-custody.

👉 Explore how cutting-edge technology is reshaping personal finance in Web3.

Trust Wallet’s evolution reflects a broader shift in crypto: from speculation to sustainable utility. With features like Stablecoin Earn, RWA integration, and AI-driven security, it’s no longer just a wallet—it’s a companion for financial empowerment.

As Eowyn Chen made clear at Proof of Talk 2025: the future of finance isn’t about holding crypto. It’s about using it—safely, smartly, and on your own terms.

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