YieldCompare · head to head
Nebeus vs Telegram Wallet
Asset-by-asset comparison of rates and risk profiles
Short answer
Nebeus is the safer of the two: it passes 2 of our five public safety checks, while Telegram Wallet passes 1.
On rates, the highest advertised APY is 12 % at Nebeus and 16.4 % at Telegram Wallet. Base rates only, no promo tiers.
Nebeus
Safety grade D
5 checks ✓ ✗ ✗ ✗ ✓
USDT —
BTC 3.5 %
ETH 3.5 %
Top product USDC · 12 %
Products tracked 8
Coins tracked 6
Jurisdiction Spain (Rintral Trading SL, Barcelona)
Founded 2014
Min deposit $50
Open Nebeus → 
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 → Coin by coin
Shared coins, side by side
| Asset | Nebeus | Telegram Wallet | Winner |
|---|---|---|---|
| ETH | 3.5 % | 4.45 % | ★ Telegram Wallet |
| MON | — | 16.4 % | ★ Telegram Wallet |
| SOL | — | 15.7 % | ★ Telegram Wallet |
| TRX | — | 13.7 % | ★ Telegram Wallet |
| GRAM | — | 12.2 % | ★ Telegram Wallet |
| USDC | 12 % | — | ★ Nebeus |
| BCH | 4.5 % | — | ★ Nebeus |
| ALGO | 4.5 % | — | ★ Nebeus |
| 1INCH | 4.5 % | — | ★ Nebeus |
| USDE | — | 4.13 % | ★ Telegram Wallet |
| BTC | 3.5 % | — | ★ Nebeus |
Safety — check by check
| Check | D Nebeus | F Telegram Wallet |
|---|---|---|
| Regulation | ✓ | ✗ |
| Proof-of-Reserves | ✗ | ✗ |
| Flexible withdrawal | ✗ | ✓ |
| Insurance Fund | ✗ | ✗ |
| Track record (2+ years incident-free) | ✓ | ✗ |
| Score | 2/5 · D | 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.