YieldCompare · head to head
Telegram Wallet vs YouHodler
Asset-by-asset comparison of rates and risk profiles
Short answer
Telegram Wallet is the safer of the two: it passes 1 of our five public safety checks, while YouHodler passes 0.
On rates, the highest advertised APY is 16.4 % at Telegram Wallet and 12 % at YouHodler. Base rates only, no promo tiers.
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 → 
YouHodler
Safety grade F
5 checks ✗ ✗ ✗ ✗ ✗
USDT 12 %
BTC 7.0 %
ETH 11 %
Top product USDC · 12 %
Products tracked 10
Coins tracked 10
Jurisdiction Switzerland (YouHodler SA, Lausanne; group co. Naumard Ltd, Cyprus)
Founded 2018
Min deposit $100
Open YouHodler → Coin by coin
Shared coins, side by side
| Asset | Telegram Wallet | YouHodler | Winner |
|---|---|---|---|
| SOL | 15.7 % | 11 % | ★ Telegram Wallet |
| TRX | 13.7 % | 11 % | ★ Telegram Wallet |
| ETH | 4.45 % | 11 % | ★ YouHodler |
| MON | 16.4 % | — | ★ Telegram Wallet |
| GRAM | 12.2 % | — | ★ Telegram Wallet |
| USDC | — | 12 % | ★ YouHodler |
| USDT | — | 12 % | ★ YouHodler |
| ADA | — | 11 % | ★ YouHodler |
| DOGE | — | 11 % | ★ YouHodler |
| LINK | — | 11 % | ★ YouHodler |
| XRP | — | 11 % | ★ YouHodler |
| BTC | — | 7.0 % | ★ YouHodler |
| USDE | 4.13 % | — | ★ Telegram Wallet |
Safety — check by check
| Check | F Telegram Wallet | F YouHodler |
|---|---|---|
| Regulation | ✗ | ✗ |
| Proof-of-Reserves | ✗ | ✗ |
| Flexible withdrawal | ✓ | ✗ |
| Insurance Fund | ✗ | ✗ |
| Track record (2+ years incident-free) | ✗ | ✗ |
| Score | 1/5 · F | 0/5 · 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.