YieldCompare · head to head
Kraken Earn vs Telegram Wallet
Asset-by-asset comparison of rates and risk profiles
Short answer
Kraken Earn is the safer of the two: it passes 4 of our five public safety checks, while Telegram Wallet passes 1.
On rates, the highest advertised APY is 11.7 % at Kraken Earn and 11.8 % at Telegram Wallet. Base rates only, no promo tiers.
Kraken Earn
Safety grade B
5 checks ✓ ✓ ✓ ✗ ✓
USDT 4.0 %
BTC 0.1 %
ETH 1.35 %
Top product MINA · 11.7 %
Products tracked 33
Coins tracked 33
Jurisdiction USA (FinCEN MSB), UK (FCA), EU (MiFID)
Founded 2011
Min deposit $1
Open Kraken Earn → 
Telegram Wallet
Safety grade F
5 checks ✗ ✗ ✓ ✗ ✗
USDT —
BTC —
ETH 2.31 %
Top product GRAM · 11.8 %
Products tracked 6
Coins tracked 6
Jurisdiction Panama (TG Wallet Inc., built by The Open Platform)
Founded 2023
Min deposit $1
Open Telegram Wallet → Coin by coin
Shared coins, side by side
| Asset | Kraken Earn | Telegram Wallet | Winner |
|---|---|---|---|
| MON | 5.72 % | 10.9 % | ★ Telegram Wallet |
| SOL | 2.39 % | 4.88 % | ★ Telegram Wallet |
| TRX | 1.81 % | 3.35 % | ★ Telegram Wallet |
| ETH | 1.35 % | 2.31 % | ★ Telegram Wallet |
| GRAM | — | 11.8 % | ★ Telegram Wallet |
| MINA | 11.7 % | — | ★ Kraken Earn |
| ATOM | 10.2 % | — | ★ Kraken Earn |
| DYM | 8.18 % | — | ★ Kraken Earn |
| KSM | 8.05 % | — | ★ Kraken Earn |
| FLOW | 7.1 % | — | ★ Kraken Earn |
| SCRT | 5.74 % | — | ★ Kraken Earn |
| TAO | 4.67 % | — | ★ Kraken Earn |
| USDG | 4.25 % | — | ★ Kraken Earn |
| USDE | — | 4.13 % | ★ Telegram Wallet |
| KAVA | 4.09 % | — | ★ Kraken Earn |
| INJ | 4.03 % | — | ★ Kraken Earn |
| USDT | 4.0 % | — | ★ Kraken Earn |
| USDC | 4.0 % | — | ★ Kraken Earn |
| XTZ | 3.98 % | — | ★ Kraken Earn |
| GRT | 3.6 % | — | ★ Kraken Earn |
| POL | 2.78 % | — | ★ Kraken Earn |
| AVAX | 2.62 % | — | ★ Kraken Earn |
| NEAR | 2.6 % | — | ★ Kraken Earn |
| ADA | 2.57 % | — | ★ Kraken Earn |
| TIA | 2.49 % | — | ★ Kraken Earn |
| SEI | 2.05 % | — | ★ Kraken Earn |
| DOT | 1.37 % | — | ★ Kraken Earn |
| HYPE | 1.11 % | — | ★ Kraken Earn |
| SUI | 0.75 % | — | ★ Kraken Earn |
| BNB | 0.51 % | — | ★ Kraken Earn |
| XRP | 0.1 % | — | ★ Kraken Earn |
| DOGE | 0.1 % | — | ★ Kraken Earn |
| LTC | 0.1 % | — | ★ Kraken Earn |
| LINK | 0.1 % | — | ★ Kraken Earn |
| BTC | 0.1 % | — | ★ Kraken Earn |
Safety — check by check
| Check | B Kraken Earn | F Telegram Wallet |
|---|---|---|
| Regulation | ✓ | ✗ |
| Proof-of-Reserves | ✓ | ✗ |
| Flexible withdrawal | ✓ | ✓ |
| Insurance Fund | ✗ | ✗ |
| Track record (2+ years incident-free) | ✓ | ✗ |
| Score | 4/5 · B | 1/5 · F |
The five public criteria behind each platform's grade. Each ✓ is one point — more points, safer grade. A highlighted ✓ is where one platform wins the criterion outright.