For sending USDT or Gram to a Telegram contact, Wallet (@wallet) is the natural choice where it is available: it sits in Telegram's settings, transfers to other Wallet users are free, and a self-custody DeFi account comes with it. The catches are identity verification at registration and a custodial wallet closed in the US, the UK and most of the EU. Crypto Bot (@CryptoBot) is a wallet built for payments in chats, with checks, invoices, paid channel subscriptions and a P2P market where buyers pay no fee and sellers pay 1%. Choose Crypto Bot when you accept money in a chat or channel, or when Wallet is not offered in your country.

The crypto wallet built into Telegram's settings: buy, hold and send USDT, Bitcoin and Gram (GRAM, called Toncoin until June 2026), with free transfers to other Wallet users and a P2P market. The main Crypto Wallet is custodial and requires identity verification; it is unavailable in the US, the UK, most of the EU and dozens of other countries.

A custodial crypto wallet inside Telegram with about 1.5 million users a month: hold and send USDT, BTC, ETH, GRAM, TON and other coins, pay and get paid with checks and invoices, sell paid channel subscriptions, and buy or sell on a P2P market where buyers pay no fee and sellers pay 1%. Deposits are free; withdrawals have flat fees.
Wallet is ahead: 86 against 83 out of 100 for Crypto Bot. Wallet wins on reliability & speed, price & free tier, freshness, no intrusive ads. Crypto Bot wins on popularity & trust. Wallet: Free · Free wallet and free transfers between Wallet users; withdrawals have a fixed fee per asset (1 USDT on TON), and card purchases of USDT are fee-free up to a tier limit (€300 on the base tier).. Crypto Bot: Freemium · Free wallet and deposits; flat withdrawal fees per coin and network; P2P Market 0% for buyers and 1% for sellers..
| Wallet | Crypto Bot | |
|---|---|---|
| Monthly users | — | 1.5M |
| Pricing and limits | Free · Free wallet and free transfers between Wallet users; withdrawals have a fixed fee per asset (1 USDT on TON), and card purchases of USDT are fee-free up to a tier limit (€300 on the base tier). | Freemium · Free wallet and deposits; flat withdrawal fees per coin and network; P2P Market 0% for buyers and 1% for sellers. |
| Languages | EN · RU · MULTI | EN · RU · MULTI |
| Inline mode | no | no |
| Mini App | yes | yes |
| Works in groups | no | yes |
| Works in channels | no | yes |
| Accepts voice | no | no |
| Accepts files | no | no |
| Requires phone number | no | no |
| Requires registration | yes | no |
| Shows ads | no | no |
| Official | yes | yes |
| Developer | TG Wallet Inc. | Crypto Bot (Crypto Team) |
| Last check | November 4, 2026 | November 4, 2026 |
| Criterion | Weight | Wallet | Crypto Bot |
|---|---|---|---|
| Functionality | 25 | 9 | 9 |
| Reliability & speed | 15 | 9 | 8 |
| Popularity & trust | 15 | 9 | 10 |
| Price & free tier | 10 | 8 | 7 |
| Usability | 10 | 8 | 8 |
| Safety & privacy | 10 | 6 | 6 |
| Freshness | 5 | 9 | 8 |
| Localization | 5 | 10 | 10 |
| No intrusive ads | 5 | 10 | 7 |
| Total | 100 | 86 | 83 |
Wallet is ahead: 86 against 83 out of 100 for Crypto Bot. Wallet wins on reliability & speed, price & free tier, freshness, no intrusive ads. Crypto Bot wins on popularity & trust. Wallet: Free · Free wallet and free transfers between Wallet users; withdrawals have a fixed fee per asset (1 USDT on TON), and card purchases of USDT are fee-free up to a tier limit (€300 on the base tier).. Crypto Bot: Freemium · Free wallet and deposits; flat withdrawal fees per coin and network; P2P Market 0% for buyers and 1% for sellers..
Wallet: Free · Free wallet and free transfers between Wallet users; withdrawals have a fixed fee per asset (1 USDT on TON), and card purchases of USDT are fee-free up to a tier limit (€300 on the base tier).. Crypto Bot: Freemium · Free wallet and deposits; flat withdrawal fees per coin and network; P2P Market 0% for buyers and 1% for sellers..
Wallet: no. Crypto Bot: yes.