Overview
- Telegram has widened access to Money, its built-in non-custodial wallet that appears in a chat after an incoming transfer and lets users send Gram and buy Telegram gifts or collectible usernames.
- The Money flow is accessed from the attachment menu inside chats and supports instant, fee-free Gram transfers with users holding their own private keys and recovery phrases.
- Walt remains a separate app and platform for trading, multi-asset support, and advanced products, and Walt continues to offer top-ups into Money and documentation about balances and addresses.
- Market activity reacted to the rollout with a reported near-9% rise in GRAM price and a sharp increase in trading volume and market capitalization.
- Availability and features vary by region, U.S. holders face property-based tax rules on disposals, and regulators could limit some Walt services such as tokenized securities or derivatives in certain jurisdictions.