Yield
BTC on Telegram Wallet
Telegram Wallet pays 3.6 % APY on Bitcoin (BTC) as a Flexible rate. On YieldScope Telegram Wallet carries a safety grade of F, scored across five risk criteria. Below: where BTC earns more — and where it earns safer.
WhiteBIT B Yield source: Exchange Earn
Where else BTC earns
Telegram Wallet pays 3.6 % on BTC. Here's how other venues compare — by rate and by safety.
| Venue | APY | Terms | Grade |
|---|---|---|---|
| Telegram Wallet (this page) | 3.6 % | Flexible | F |
 Lune.fi | 21.5 % | 🔒 360d lock | F |
 CoinDepo | 12 % | Flexible | F |
| WhiteBIT | 10.4 % | 🔒 30d lock | B |
 YouHodler | 7.0 % | Flexible | F |
 Nebeus | 3.5 % | 🔒 30d lock | D |
Telegram Wallet is graded F. If safety matters more than a few extra basis points, Bitget Earn earns BTC at a higher grade (A).
Why Telegram Wallet is graded F
Five binary safety criteria — each one passed or not. The more passed, the safer.
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Regulation
The custodial wallet is operated by TG Wallet Inc. (Panama), built by The Open Platform — not by Telegram itself. No dedicated financial licence; in September 2024 the custodial Wallet was suspended for UK users pending FCA registration. Source →
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Proof-of-Reserves
No public proof-of-reserves for the custodial wallet. Custody mechanics are described, but reserves are not independently attested. Source →
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Flexible withdrawal
The 'Earn' products are flexible — funds can be withdrawn at any time. USDT deposit is free. Source 1 → Source 2 →
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Insurance Fund
No user-protection / insurance fund is disclosed (unlike Binance's SAFU or Bybit's fund). Source →
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Track record (2+ years incident-free)
The custodial Wallet has run since about 2023, reaching 100M+ Telegram users, with a HackerOne bug bounty — but it is young, offshore, and was suspended for UK users pending the FCA. Too short a record to pass. Source →
BTC rate history on Telegram Wallet
Telegram Wallet has not changed its BTC rate once in the 25 days we have been recording it — the number you see today is the number it has always paid.
Daily snapshots from YieldScope's rate sync. Hover to inspect any day.
How BTC yields moved across exchanges
from 2026-05-25 to 2026-08-29
Among the 18 venues we have BTC history for, Telegram Wallet currently sits at #4 by rate — with 25 days of our own daily snapshots behind that number.
Source: daily snapshots via exchange APIs
Your money, this pair
How much will you earn?
Method: monthly compounding (1 + APR/12)ⁿ, where APR is the exchange's stated rate. The realized 12-month return is slightly higher due to reinvestment. Rates may change. Not financial advice.
Affiliate link · price for you doesn't change · we earn a commission from Telegram Wallet
How BTC earns on Telegram Wallet
When you deposit BTC into Telegram Wallet's earn product you receive 3.6 % APY as a Flexible rate. The platform puts the asset to work and shares the yield — your balance grows without you doing anything.
This is a base rate, not a promotional teaser: it's what an ordinary deposit actually earns. Telegram Wallet carries a YieldScope safety grade of F, so weigh the yield against platform risk — a higher rate on a weaker grade is not automatically a better deal.
Rates on BTC move with lending demand and market conditions. We re-check them daily and keep a history, so you can see whether today's number is unusually high, unusually low, or steady.