# Crypto wallets in Telegram

Wallet bots and a TON wallet of your own: how they differ and how to pay with them.

https://shiba-bank.com/en/guides/crypto-wallet-telegram

Updated 2026-10-03 · 4 min read

People use two kinds of crypto wallets in Telegram. In wallet bots — Walt, CryptoBot, xRocket — the service holds the coins and you sign in with your Telegram account. In a wallet of your own, such as Tonkeeper, only you hold the keys. Here is how they differ and how to pay for Stars with them.

## Wallet bots: Walt, CryptoBot, xRocket

- They open right inside Telegram, as a bot or a mini app. The service that used to be called Wallet in Telegram is now **Walt**: search for @walt. By Walt's own help, the old @wallet handle still leads to the same app.
- The service holds the coins. In Walt's main section there is no recovery phrase: access to the wallet is access to your Telegram account. For keeping your own keys Walt offers a separate DeFi Account, where you hold the recovery phrase yourself.
- For some operations the service may ask you to confirm your identity — that is what "wallet verification" means.
- They are topped up by a transfer from an exchange or another wallet, and some also have a built-in exchange between users (P2P).
- Inside the service you can send coins to other users, make cheques and pay in bots that accept that wallet.

See also: [How to withdraw USDT to a card](https://shiba-bank.com/en/guides/usdt-to-card).

See also: [Crypto Bot (@CryptoBot) on Telegram](https://shiba-bank.com/en/guides/cryptobot).

## A wallet of your own: Tonkeeper and other TON wallets

- An app on your phone or computer. Only you hold the keys: access is restored with a recovery phrase of 24 words.
- It holds coins of the TON network — GRAM and USDT on TON.
- It connects to sites and mini apps through TON Connect.

Telegram has also announced its own non-custodial **Gram Wallet**. It is a separate product from Walt: on 31 August 2026 Pavel Durov wrote that it was ready and open to a select group of users first, with a gradual rollout after that ([his channel](https://t.me/durov)).

> **Important:** Never share your wallet's recovery phrase with anyone — not with support, a bot or an "admin". With it, a wallet is emptied in a minute.

See also: [Tonkeeper, now Keeper: how to use the TON wallet](https://shiba-bank.com/en/guides/tonkeeper).

## How to pay for Stars and Premium with crypto

In the Shiba Bank bot, Stars and Premium are paid with USDT and GRAM on TON:

1. Choose the number of Stars and a crypto way to pay.
2. The bot shows an invoice: the address, the amount and a comment.
3. Pay from your wallet with the Tonkeeper or MyTonWallet button, through TON Connect in the Shiba Bank app, or by hand — always with the comment from the invoice.
4. The bot finds the payment itself and sends the Stars.

You can also pay from the balance of crypto bots in Telegram — Crypto Bot, xRocket and others. More: [how to buy Stars with crypto](https://shiba-bank.com/en/guides/pay-with-crypto).

[Buy Stars — Open the app](https://t.me/barboskich_stars_bot?startapp=site_ai_en_buy)

## Frequently asked questions

### Where is the wallet in Telegram?
The crypto service formerly called Wallet in Telegram is now Walt: find it by searching for @walt ([walt.io](https://walt.io/)). Telegram's own non-custodial Gram Wallet is a separate product that is opening to users in stages. CryptoBot and xRocket are separate bots, and Tonkeeper is a separate app.

### How does a wallet bot differ from Tonkeeper?
In a wallet bot the service holds the coins and you sign in with your Telegram account. In Tonkeeper only you hold the keys, and access is restored with the recovery phrase.

### Can I pay for Stars from Tonkeeper?
Yes. The bot's invoice has a Tonkeeper button: it opens a transfer with the right amount and comment — you only confirm it.

### Why does the transfer need a comment?
The comment tells the bot which order the payment belongs to. Without it the payment is not found automatically — then write to support and attach a link to the transaction.

### What is wallet verification?
Confirming your identity, which a wallet service may ask for some operations. The wallet service does it itself — the Shiba Bank bot does not need it.