DeFi in Telegram
DeFi in Telegram is the self-custodial mode of Telegram's wallet (TON Space): your own keys, on-chain TON, USDT and other tokens, swaps through DEX aggregators and a card on-ramp through partners. Swaps cost a small spread plus network gas; card purchases include the partner's fee.
Ways to pay in
| Currency | Network / method | Fee | Limits |
|---|---|---|---|
| EUR | Bank card (MoonPay) -> USDT, fee-free band (cap stated in USD equivalent) | 0 | — |
| Bank card (MoonPay) -> USDT | 4.5% + 0.07 EUR | — | |
| GBP | Bank card (MoonPay) -> USDT, fee-free band (cap stated in USD equivalent) | 0 | — |
| Bank card (MoonPay/Mercuryo) -> USDT above the fee-free cap, or -> GRAM | 4.5% ≈ | — | |
| TRY | Bank card (MoonPay/Mercuryo) -> USDT or GRAM | 4.5% ≈ | — |
| CHF | Bank card (MoonPay/Mercuryo) -> USDT or GRAM | 4.5% ≈ | — |
| AUD | Bank card (MoonPay/Mercuryo) -> USDT or GRAM | 4.5% ≈ | — |
| CAD | Bank card (MoonPay/Mercuryo) -> USDT or GRAM | 4.5% ≈ | — |
| USDT | TON · USDT on-chain, TON network (TON) | 0 | — |
| Tron · USDT cross-chain deposit -> USDT (TON) 1:1 (TRC-20) | 1.36% | — | |
| Tron · USDT cross-chain deposit -> USDT (TON) 1:1 (TRON) | 1.36% | — | |
| Ethereum · USDT cross-chain deposit -> USDT (TON) 1:1 (ERC-20) | 1.37% | — | |
| Ethereum · USDT cross-chain deposit -> USDT (TON) 1:1 (Ethereum) | 1.37% | — | |
| USDT (BEP-20 / BSC) cross-chain deposit -> USDT (TON) 1:1 | 1.18% | — | |
| Solana · USDT cross-chain deposit -> USDT (TON) 1:1 (Solana) | 1.13% ≈ | — | |
| Arbitrum · USDT cross-chain deposit -> USDT (TON) 1:1 (Arbitrum) | 1.05% | — | |
| Polygon · USDT cross-chain deposit -> USDT (TON) 1:1 (Polygon) | 1.11% | — | |
| Bank card (MoonPay) -> USDT, fee-free band up to 499 USD per transaction | 0 | up to 499 USDT | |
| Bank card (MoonPay/Mercuryo) -> USDT above the fee-free cap, or -> GRAM, 20-89 USD | 3.99 USDT ≈ | from 20 USDT, up to 89 USDT | |
| Bank card (MoonPay/Mercuryo) -> USDT above the fee-free cap, or -> GRAM, above 89 USD | 4.5% ≈ | from 89 USDT | |
| USDC | Ethereum · USDC cross-chain deposit -> USDT (TON) 1:1 (Ethereum) | 1.11% | — |
| Solana · USDC cross-chain deposit -> USDT (TON) 1:1 (Solana) | 1.04% | — | |
| Base · USDC cross-chain deposit -> USDT (TON) 1:1 (Base) | 1.05% | — | |
| Arbitrum · USDC cross-chain deposit -> USDT (TON) 1:1 (Arbitrum) | 1.04% | — | |
| Polygon · USDC cross-chain deposit -> USDT (TON) 1:1 (Polygon) | 1.03% | — | |
| BTC | Bitcoin cross-chain deposit -> auto-converted to GRAM | 0.9% | — |
| ETH | Ethereum cross-chain deposit -> auto-converted to GRAM | 0.9% | — |
| SOL | Solana cross-chain deposit -> auto-converted to GRAM | 0.9% | — |
| CATI | TON · CATI (жетон) on-chain, сеть TON | 0 | — |
Other currencies (8)
| Currency | Network / method | Fee | Limits |
|---|---|---|---|
| DOGS | TON · DOGS (жетон) on-chain, сеть TON | 0 | — |
| EVAA | TON · EVAA (жетон) on-chain, сеть TON | 0 | — |
| GRAM | TON · GRAM on-chain, сеть TON | 0 | — |
| HMSTR | TON · HMSTR (жетон) on-chain, сеть TON | 0 | — |
| MAJOR | TON · MAJOR (жетон) on-chain, сеть TON | 0 | — |
| NOT | TON · NOT (жетон) on-chain, сеть TON | 0 | — |
| TAC | TON · TAC (жетон) on-chain, сеть TON | 0 | — |
| USDe | TON · USDe on-chain, TON network (TON) | 0 | — |
Ways to receive
| Currency | Network / method | Fee | Limits |
|---|---|---|---|
| EUR | TON · Sell USDT / GRAM to a bank card (MoonPay) (TON) | 4.5% ≈ | — |
| GBP | TON · Sell USDT / GRAM to a bank card (MoonPay) (TON) | 4.5% ≈ | — |
| TRY | TON · Sell USDT / GRAM to a bank card (MoonPay) (TON) | 4.5% ≈ | — |
| CHF | TON · Sell USDT / GRAM to a bank card (MoonPay) (TON) | 4.5% ≈ | — |
| AUD | TON · Sell USDT / GRAM to a bank card (MoonPay) (TON) | 4.5% ≈ | — |
| CAD | TON · Sell USDT / GRAM to a bank card (MoonPay) (TON) | 4.5% ≈ | — |
| USDT | TON · USDT on-chain, TON network (TON) | 0 | — |
| TON · USDT -> USDT on TRON (TRC-20), cross-chain (TON) | 3.5 USDT | from 100 USDT | |
| TON · USDT -> USDT on Ethereum (ERC-20), cross-chain (TON) | 4 USDT | from 250 USDT | |
| TON · USDT -> USDT on Solana, cross-chain (TON) | 1.5 USDT | from 40 USDT | |
| TON · USDT -> USDT on BSC (BEP-20), cross-chain (TON) | 1.5 USDT | from 40 USDT | |
| TON · USDT -> USDT on Arbitrum, cross-chain (TON) | 1.5 USDT | from 40 USDT | |
| TON · USDT -> USDT on Polygon, cross-chain (TON) | 1.5 USDT | from 40 USDT | |
| TON · USDT -> USDT on Base, cross-chain (TON) | 1.5 USDT | from 40 USDT | |
| TON · USDT transfer to a Telegram contact or to the custodial Crypto Wallet (TON) | 0 | — | |
| TON · Sell USDT / GRAM to a bank card (MoonPay) (TON) | 4.5% ≈ | — | |
| CATI | TON · CATI (жетон) on-chain, сеть TON | 0.05 GRAM | — |
| DOGS | TON · DOGS (жетон) on-chain, сеть TON | 0.05 GRAM | — |
| EVAA | TON · EVAA (жетон) on-chain, сеть TON | 0.05 GRAM | — |
| GRAM | TON · GRAM on-chain, сеть TON | 0.05 GRAM | — |
| HMSTR | TON · HMSTR (жетон) on-chain, сеть TON | 0.05 GRAM | — |
Other currencies (4)
| Currency | Network / method | Fee | Limits |
|---|---|---|---|
| MAJOR | TON · MAJOR (жетон) on-chain, сеть TON | 0.05 GRAM | — |
| NOT | TON · NOT (жетон) on-chain, сеть TON | 0.05 GRAM | — |
| TAC | TON · TAC (жетон) on-chain, сеть TON | 0.05 GRAM | — |
| USDe | TON · USDe on-chain, TON network (TON) | 0 | — |
Conversion
What DeFi in Telegram charges to convert one currency into another:
| Pairs | Fee |
|---|---|
| USDT → USDe | 0.15% spread |
| USDe → USDT | 0.15% spread |
| EUR → any | 2.4% spread |
| any → any | 0.15% spread |
— = not published. ≈ = estimate, not confirmed by the provider.
Compare in the converter
The converter shows what you would receive through DeFi in Telegram and the other services for your amount, after all fees.
FAQ
What are DeFi in Telegram's fees?
The cheapest way to pay into DeFi in Telegram costs 0 (USDe), the cheapest payout 0 (USDe); conversion between currencies is 0.15% spread. Fees differ by currency, network and method — the exact figures are in the tables above.
What are the limits at DeFi in Telegram?
Minimum and maximum amounts per transaction, where published, are listed next to each method above. Daily and monthly limits usually depend on your verification level and country — check them in DeFi in Telegram's own terms before sending.
Is DeFi in Telegram safe and regulated?
We do not rate the safety of services; we only collect their tariffs. DeFi in Telegram operates at wallet.tg — check its licence, terms of service and jurisdiction there, start with a small amount, and never send money you cannot afford to lose.
How do I start with DeFi in Telegram through your link?
Press the "Open DeFi in Telegram" button on this page: it leads to DeFi in Telegram through our referral link, which costs you nothing and may give you a bonus on the first transaction. Then compare the real amount you would receive in our converter.