A wallet inside Telegram — no sign-up

A crypto wallet inside Telegram

Store your crypto, send it to a friend by username, swap inside the wallet and pay for Stars and Premium — without leaving the messenger.

8 coins · 16 networks on one balance
The wallet home screen
Sent by username
Check claimed
Getting started

How it works

Four steps and the wallet is ready.

Open the bot The wallet is created on first launch — no sign-up, no password, no seed phrase. 01
Top up your balance Send crypto to your address on the network you need — address and memo are shown right away. 02
Send and swap Send to a friend by username or to an address, and swap coins inside the wallet. 03
Turn on Earn Move part of your balance to Earn — it accrues every hour: 4% a year on the first 500 USDT, 6% on the first 300 GRAM. 04
What you get

Everything you need for crypto, in one chat

Storage, transfers and swaps run on a single balance — no switching between apps.

Send by username

Send crypto inside Telegram — all you need is a username, no address and no network fee.

Swap in the wallet

Swap one coin for another in a couple of taps. Rate, fee and final amount are shown before you confirm.

Checks

Crypto as a link or a QR code: for one person or many · password-protected · with an expiry date. Whatever is left comes back to you.

Stars & Premium

Stars, Premium and gifts — straight from your wallet balance. Learn more

Invoices and subscriptions

Pay for channel and service subscriptions straight from your balance: the invoice arrives in Telegram, then charges follow the schedule.

Earn

Keep part of your balance in Earn and let it accrue. Add funds or withdraw at any time.

On-chain withdrawal

Withdraw to an external address on any supported network, with address and memo checked first.

How it all works in detail — in the help center

8 coins · 16 networks on one balance

GRAM BTC ETH SOL BNB LTC DOGE TRX
USDTTRC-20 · ERC-20 · BEP-20 · TON · SOL USDCERC-20 · BEP-20 · SOL
Stars & gifts

Stars, Premium and gifts — straight from your balance

Pay with crypto from your wallet balance, without a bank card or an exchange service. The payment screen shows the price and exchange rate.

Buying Telegram Stars Choose a package or enter the number of Stars you want, then pay from your wallet balance.
Telegram Premium as a gift Three, six or twelve months — for yourself or for another user by username.
Telegram gifts A gift is paid from your wallet balance; the crypto price is shown before you confirm.
The service markup is included in the price. The exchange rate is locked when you pay, so the amount may change within the tolerance shown on screen. A larger change requires you to review the new price and confirm the purchase.
Agent

Say it in words — the agent does the rest

The Agent tab is one conversation instead of hunting for the right screen. Write what you need in plain words: the agent parses the request, fills in the operation fields and opens a ready form. All that’s left is to confirm — you send the money yourself, as usual.

Wallet operations in one message Send by username, swap, withdraw, checks, buying Stars, Earn and a deposit address — without hopping between screens.
You send, not the agent The agent doesn’t move funds: it has no access to your balance or your contacts. Confirmation, limits and checks stay on the form.
Templates for repeat operations Save an operation as a template and repeat it with one tap — the agent recalculates an “all” amount from your current balance.
Support is right here too Questions about the wallet and the operator’s replies land in the same conversation. It is split into topics, and the history is kept.
Try the agent
Agent
All LTC → USDT
Swap ready to confirm Fields are filled in — review and confirm
You pay entire LTC balance
You get USDT · TRC-20
Rate at the rate at the time of the request
The form shows the exact amount — it refreshes the rate
Open swap Save as template
Confirmation (PIN or Face ID), limits and checks stay on the form — the agent only fills in the fields.
For example
20 USDT to Max Check 5 USDT × 5 Withdraw 50 USDT on Tron 100 USDT to Earn How do I change my PIN?
Earn

Earnings on your balance you don’t have to think about

Move part of your balance to Earn — it accrues automatically and the payout lands in your wallet. You can add funds to Earn or withdraw at any time.

Annual rate
USDT 4% first 500 USDT, then 1%
GRAM 6% first 300 GRAM, then 3%
Accrues every hour · paid into the wallet daily at 00:30 UTC
In and out — no fee, any time Add funds to Earn
The withdrawal confirmation screen
Address matches
Security

Verified before it leaves, not after

A withdrawal is the only operation that moves funds out of the wallet. Here is what happens around the moment you tap “Confirm”.

Before you confirm
Address, network and memo in full No “4f3a…9c2b”: you see exactly where the funds are going and on which network.
PIN or Face ID Confirmation is required for every withdrawal, not once per session.
You tap “Confirm” And even after that
An AML check on the transaction The transaction is screened before the funds reach the recipient.
A notification for every operation If something happens without you, you are the first to know.

The security section in the help center

Terms

Terms you can see up front

The amount to be charged is always shown before you confirm — there are no hidden fees.

Deposits to the wallet Credited after network confirmations No fee
Transfers by username inside Telegram The crypto never goes on-chain, so there is no network fee to pay No fee
Swap in the wallet Rate, fee and final amount on the swap screen Shown before you confirm
On-chain withdrawal Address, network and memo are checked before sending Network fee only
Adding funds to Earn and withdrawing from Earn Funds are never locked for a fixed term No fee

Current fees and minimums are shown in the app. The full list is in the help center.

Run a channel? Sell in Telegram?

See the page as your role sees it — the feature set changes to match.

For creators For sellers For developers
FAQ

Frequently asked questions

The short version on the wallet, transfers, Earn and taking payments.

No. The wallet is created the first time you open @tgpaycryptobot — there is no login, no password and no seed phrase. Access is tied to your Telegram account.

Eight coins and sixteen networks: GRAM, BTC, ETH, SOL, BNB, LTC, DOGE and TRX, plus USDT on five networks and USDC on three. You pick the network when you deposit or withdraw — each one has its own address.

Enter their username — no address is needed, the transfer stays inside the wallet and there is no network fee. If they don’t have a wallet yet, send a check: they will claim it themselves.

You move part of your balance to Earn and it accrues automatically. The rate has two tiers: on USDT it is 4% a year on the first 500 USDT and 1% on anything above that; on GRAM it is 6% on the first 300 GRAM and 3% above. It accrues every hour, and the payout arrives in your wallet daily at 00:30 UTC. You can add funds to Earn or withdraw at any time, with no fee.

A check is crypto as a link or a QR code. It can be made for a single recipient or for several claims, protected with a password, limited by an expiry date, restricted to subscribers of your channels or to Telegram Premium users. Once created, a check can be paused, its amount and number of claims edited, or deleted — whatever is left returns to your balance.

The agent is a conversation inside the wallet: you write what you need, and it fills in the operation fields and opens a ready form. It can’t spend your money — it has no access to your balance, contacts or operations, and confirmation (PIN or Face ID), limits and checks stay on the form. In the same conversation you can ask a question about the wallet and get an operator’s answer.

Transfers by username carry no network fee; a network fee is deducted when you withdraw. The swap fee and the final amount are shown before you confirm, and the current values and minimums are in the app and in the help center.

Issue invoices right in the bot, and for automation plug in the Merchant API: invoices are created with a request and a webhook arrives when one is paid. The method reference is in the help center.

All the answers are in the help center Can’t find your answer? Write to @tgpayhelpbot

Open your wallet in a minute

Launch @tgpaycryptobot in Telegram — the wallet is already there, ready to receive crypto.

Open in Telegram
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Personal For creators For sellers For developers