YieldCompare · head to head
Nexo vs Telegram Wallet
Asset-by-asset comparison of rates and risk profiles
Short answer
Nexo is the safer of the two: it passes 3 of our five public safety checks, while Telegram Wallet passes 1.
On rates, the highest advertised APY is 8.0 % at Nexo and 13.5 % at Telegram Wallet. Base rates only, no promo tiers.
Nexo
Safety grade C
5 checks ✗ ✓ ✓ ✓ ✗
USDT —
BTC 1.35 %
ETH 2.25 %
Top product DOT · 8.0 %
Products tracked 25
Coins tracked 25
Jurisdiction EU (Lithuania), Switzerland
Founded 2018
Min deposit $1
Open Nexo → 
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 | Nexo | Telegram Wallet | Winner |
|---|---|---|---|
| ETH | 2.25 % | 5.1 % | ★ Telegram Wallet |
| BTC | 1.35 % | 3.6 % | ★ Telegram Wallet |
| GRAM | — | 13.5 % | ★ Telegram Wallet |
| DOT | 8.0 % | — | ★ Nexo |
| KSM | 7.0 % | — | ★ Nexo |
| ATOM | 6.0 % | — | ★ Nexo |
| AXS | 5.5 % | — | ★ Nexo |
| TRX | 4.0 % | — | ★ Nexo |
| XLM | 4.0 % | — | ★ Nexo |
| BCH | 4.0 % | — | ★ Nexo |
| USDE | — | 4.0 % | ★ Telegram Wallet |
| SOL | 3.5 % | — | ★ Nexo |
| LTC | 3.5 % | — | ★ Nexo |
| NEAR | 3.25 % | — | ★ Nexo |
| XRP | 3.15 % | — | ★ Nexo |
| XAUT | — | 3.05 % | ★ Telegram Wallet |
| AVAX | 3.0 % | — | ★ Nexo |
| ADA | 2.75 % | — | ★ Nexo |
| APE | 2.25 % | — | ★ Nexo |
| LINK | 1.75 % | — | ★ Nexo |
| S | 1.75 % | — | ★ Nexo |
| GRT | 1.0 % | — | ★ Nexo |
| INJ | 1.0 % | — | ★ Nexo |
| TIA | 1.0 % | — | ★ Nexo |
| POL | 0.9 % | — | ★ Nexo |
| ARB | 0.75 % | — | ★ Nexo |
| PAXG | 0.5 % | — | ★ Nexo |
| AAVE | 0.25 % | — | ★ Nexo |
Safety — check by check
| Check | C Nexo | F Telegram Wallet |
|---|---|---|
| Regulation | ✗ | ✗ |
| Proof-of-Reserves | ✓ | ✗ |
| Flexible withdrawal | ✓ | ✓ |
| Insurance Fund | ✓ | ✗ |
| Track record (2+ years incident-free) | ✗ | ✗ |
| Score | 3/5 · C | 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.