Yield
GRAM on Telegram Wallet
Telegram Wallet pays 14.5 % APY on Gram (prev. Toncoin) (GRAM) as a Flexible rate. On YieldScope Telegram Wallet carries a safety grade of F, scored across five risk criteria. Below: where GRAM earns more — and where it earns safer.
Bybit Earn C Yield source: Exchange Earn
Where else GRAM earns
Telegram Wallet pays 14.5 % on GRAM. Here's how other venues compare — by rate and by safety.
| Venue | APY | Terms | Grade |
|---|---|---|---|
| Telegram Wallet (this page) | 14.5 % | Flexible | F |
| Bybit Earn | 15.6 % | Earn | C |
 Gate.io Earn | 6.15 % | Flexible | B |
 Bitget Earn | 2.11 % | Flexible | A |
 WhiteBIT | 1.92 % | 🔒 30d lock | B |
 OKX Earn | 1.0 % | Flexible | B |
Telegram Wallet is graded F. If safety matters more than a few extra basis points, Bitget Earn earns GRAM 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.
- ✗ 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 →
- ✗ Proof-of-Reserves
No public proof-of-reserves for the custodial wallet. Custody mechanics are described, but reserves are not independently attested. Source →
- ✓ Flexible withdrawal
The 'Earn' products are flexible — funds can be withdrawn at any time. USDT deposit is free. Source 1 → Source 2 →
- ✗ Insurance Fund
No user-protection / insurance fund is disclosed (unlike Binance's SAFU or Bybit's fund). Source →
- ✗ 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 →
GRAM rate history on Telegram Wallet
Daily snapshots from YieldScope's rate sync. Hover to inspect any day.
How GRAM yields moved across exchanges
from 2026-06-18 to 2026-07-17
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.
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How GRAM earns on Telegram Wallet
When you deposit GRAM into Telegram Wallet's earn product you receive 14.5 % 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 GRAM 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.