Wallet

Wallet (@wallet) is the crypto wallet that Telegram shows in its own Settings; it also opens as a bot. It has two parts. Crypto Wallet is custodial: the operator stores the keys, so there is no seed phrase to write down, and the team can help you regain access if you lose it. There you buy, sell and hold USDT, Bitcoin, Gram (the coin of the TON network, called Toncoin until June 2026) and other assets, send them to a Telegram contact from a chat, and buy or sell on a P2P market. The DeFi account is self-custodial: you keep the seed phrase and use it for staking, NFTs and TON apps.

Transfers to other Wallet users are free. A withdrawal to an outside address has a fixed fee, for example 1 USDT on the TON network, 3.5 USDT on TRON or 0.05 GRAM. Buying USDT with a bank card is fee-free up to a limit that depends on your tier, €300 on the base one; the P2P market charges no purchase fee. Wallet also sells tokenized US stocks and ETFs, which follow a share's price without giving you the share, and pays interest on balances in its Earn account.

Crypto Wallet is run by TG Wallet Inc. in Panama and describes itself as independent from Telegram Messenger; the site warns that its jurisdiction requires no licence and gives no statutory consumer protection. Registration includes identity verification. It is not offered in the US, the UK, most EU countries and dozens of other countries in Africa, Asia and the Caribbean, while the DeFi account works almost everywhere. Before keeping money here, turn on Telegram's two-step verification and a Wallet passcode.