YieldCompare · head to head
Telegram Wallet vs Toobit
Asset-by-asset comparison of rates and risk profiles
Short answer
Toobit is the safer of the two: it passes 3 of our five public safety checks, while Telegram Wallet passes 1.
On rates, the highest advertised APY is 16.4 % at Telegram Wallet and 12 % at Toobit. 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 → 
Toobit
Safety grade C
5 checks ✗ ✓ ✓ ✗ ✓
USDT 3.1 %
BTC 0.15 %
ETH 1.5 %
Top product KITE · 12 %
Products tracked 41
Coins tracked 41
Jurisdiction Cayman Islands; EU clients contract with Elyndret Sp. z o.o. (Poland)
Founded 2022
Min deposit $0
Open Toobit → Coin by coin
Shared coins, side by side
| Asset | Telegram Wallet | Toobit | Winner |
|---|---|---|---|
| SOL | 15.7 % | 3.0 % | ★ Telegram Wallet |
| TRX | 13.7 % | 4.0 % | ★ Telegram Wallet |
| GRAM | 12.2 % | 1.5 % | ★ Telegram Wallet |
| ETH | 4.45 % | 1.5 % | ★ Telegram Wallet |
| MON | 16.4 % | — | ★ Telegram Wallet |
| KITE | — | 12 % | ★ Toobit |
| ZAMA | — | 5.0 % | ★ Toobit |
| USDE | 4.13 % | — | ★ Telegram Wallet |
| TRUMP | — | 4.0 % | ★ Toobit |
| USDT | — | 3.1 % | ★ Toobit |
| ATOM | — | 3.0 % | ★ Toobit |
| BONK | — | 3.0 % | ★ Toobit |
| CAKE | — | 3.0 % | ★ Toobit |
| COAI | — | 3.0 % | ★ Toobit |
| NEAR | — | 3.0 % | ★ Toobit |
| USDC | — | 2.5 % | ★ Toobit |
| APT | — | 2.2 % | ★ Toobit |
| CRV | — | 2.1 % | ★ Toobit |
| ADA | — | 2.0 % | ★ Toobit |
| AVAX | — | 2.0 % | ★ Toobit |
| DOT | — | 2.0 % | ★ Toobit |
| POL | — | 2.0 % | ★ Toobit |
| XAUT | — | 2.0 % | ★ Toobit |
| WLFI | — | 1.5 % | ★ Toobit |
| XPL | — | 1.5 % | ★ Toobit |
| SUI | — | 1.2 % | ★ Toobit |
| ASTER | — | 1.1 % | ★ Toobit |
| LTC | — | 1.1 % | ★ Toobit |
| BNB | — | 1.0 % | ★ Toobit |
| PAXG | — | 1.0 % | ★ Toobit |
| UNI | — | 1.0 % | ★ Toobit |
| HBAR | — | 0.6 % | ★ Toobit |
| OP | — | 0.6 % | ★ Toobit |
| SAND | — | 0.6 % | ★ Toobit |
| DOGE | — | 0.5 % | ★ Toobit |
| ONDO | — | 0.5 % | ★ Toobit |
| PEPE | — | 0.5 % | ★ Toobit |
| XRP | — | 0.5 % | ★ Toobit |
| LINK | — | 0.4 % | ★ Toobit |
| ETC | — | 0.35 % | ★ Toobit |
| ARB | — | 0.26 % | ★ Toobit |
| SHIB | — | 0.2 % | ★ Toobit |
| BTC | — | 0.15 % | ★ Toobit |
Safety — check by check
| Check | F Telegram Wallet | C Toobit |
|---|---|---|
| Regulation | ✗ | ✗ |
| Proof-of-Reserves | ✗ | ✓ |
| Flexible withdrawal | ✓ | ✓ |
| Insurance Fund | ✗ | ✗ |
| Track record (2+ years incident-free) | ✗ | ✓ |
| Score | 1/5 · F | 3/5 · C |
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.