YieldCompare · head to head
LBank vs Telegram Wallet
Asset-by-asset comparison of rates and risk profiles
Short answer
LBank is the safer of the two: it passes 2 of our five public safety checks, while Telegram Wallet passes 1.
On rates, the highest advertised APY is 9.0 % at LBank and 16.4 % at Telegram Wallet. Base rates only, no promo tiers.
LBank
Safety grade D
5 checks ✗ ✗ ✓ ✗ ✓
USDT 2.9 %
BTC 0.15 %
ETH 1.4 %
Top product TRX · 9.0 %
Products tracked 15
Coins tracked 15
Jurisdiction British Virgin Islands (governing law of LBank's user agreement)
Founded 2015
Min deposit $0
Open LBank → 
Telegram Wallet
Safety grade F
5 checks ✗ ✗ ✓ ✗ ✗
USDT —
BTC —
ETH 4.45 %
Top product MON · 16.4 %
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 | LBank | Telegram Wallet | Winner |
|---|---|---|---|
| SOL | 3.0 % | 15.7 % | ★ Telegram Wallet |
| TRX | 9.0 % | 13.7 % | ★ Telegram Wallet |
| GRAM | 3.0 % | 12.2 % | ★ Telegram Wallet |
| ETH | 1.4 % | 4.45 % | ★ Telegram Wallet |
| MON | — | 16.4 % | ★ Telegram Wallet |
| USDD | 5.0 % | — | ★ LBank |
| USDE | — | 4.13 % | ★ Telegram Wallet |
| USDC | 3.1 % | — | ★ LBank |
| USDT | 2.9 % | — | ★ LBank |
| USDY | 2.5 % | — | ★ LBank |
| NEAR | 2.0 % | — | ★ LBank |
| SEI | 1.5 % | — | ★ LBank |
| POL | 1.5 % | — | ★ LBank |
| ADA | 1.3 % | — | ★ LBank |
| HYPE | 1.2 % | — | ★ LBank |
| SUI | 1.0 % | — | ★ LBank |
| BTC | 0.15 % | — | ★ LBank |
Safety — check by check
| Check | D LBank | F Telegram Wallet |
|---|---|---|
| Regulation | ✗ | ✗ |
| Proof-of-Reserves | ✗ | ✗ |
| Flexible withdrawal | ✓ | ✓ |
| Insurance Fund | ✗ | ✗ |
| Track record (2+ years incident-free) | ✓ | ✗ |
| Score | 2/5 · D | 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.