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 13.7 % at Kraken Earn and 13.5 % at Telegram Wallet. Base rates only, no promo tiers.
Kraken Earn
Safety grade B
5 checks ✓ ✓ ✓ ✗ ✓
USDT 5.5 %
BTC 0.1 %
ETH 2.36 %
Top product SCRT · 13.7 %
Products tracked 30
Coins tracked 30
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 3.6 %
ETH 5.1 %
Top product GRAM · 13.5 %
Products tracked 5
Coins tracked 5
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 |
|---|---|---|---|
| ETH | 2.36 % | 5.1 % | ★ Telegram Wallet |
| BTC | 0.1 % | 3.6 % | ★ Telegram Wallet |
| SCRT | 13.7 % | — | ★ Kraken Earn |
| GRAM | — | 13.5 % | ★ Telegram Wallet |
| MINA | 11.6 % | — | ★ Kraken Earn |
| ATOM | 10.4 % | — | ★ Kraken Earn |
| KSM | 8.09 % | — | ★ Kraken Earn |
| DYM | 8.05 % | — | ★ Kraken Earn |
| FLOW | 8.0 % | — | ★ Kraken Earn |
| MON | 5.75 % | — | ★ Kraken Earn |
| USDT | 5.5 % | — | ★ Kraken Earn |
| GRT | 4.8 % | — | ★ Kraken Earn |
| KAVA | 4.2 % | — | ★ Kraken Earn |
| USDE | — | 4.0 % | ★ Telegram Wallet |
| XTZ | 3.98 % | — | ★ Kraken Earn |
| INJ | 3.7 % | — | ★ Kraken Earn |
| AVAX | 3.23 % | — | ★ Kraken Earn |
| XAUT | — | 3.05 % | ★ Telegram Wallet |
| SOL | 2.78 % | — | ★ Kraken Earn |
| ADA | 2.72 % | — | ★ Kraken Earn |
| TIA | 2.6 % | — | ★ Kraken Earn |
| NEAR | 2.5 % | — | ★ Kraken Earn |
| SEI | 1.97 % | — | ★ Kraken Earn |
| TRX | 1.79 % | — | ★ Kraken Earn |
| USDC | 1.75 % | — | ★ Kraken Earn |
| DOT | 1.54 % | — | ★ Kraken Earn |
| POL | 1.13 % | — | ★ Kraken Earn |
| HYPE | 1.1 % | — | ★ Kraken Earn |
| BNB | 0.45 % | — | ★ Kraken Earn |
| XRP | 0.1 % | — | ★ Kraken Earn |
| DOGE | 0.1 % | — | ★ Kraken Earn |
| LTC | 0.1 % | — | ★ Kraken Earn |
| LINK | 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.