Gram Wallet Telegram (Money Wallet): Not Showing? How to Activate

Money is Telegram's own non-custodial wallet for Gram (TON, the coin formerly called Toncoin). It was renamed from Gram Wallet on October 9, 2026, and it does not show up in every account: the Money section appears once your account receives a Gram transfer, about 0.1 according to ixbt. To fill it, buy Gram in Walt, the former @wallet bot, then tap Add Funds in Money and choose Deposit from Walt.

Money (Gram Wallet in Telegram) at a glance

As of October 27, 2026:

	What to know
What Money is	Telegram's built-in wallet for Gram. Announced by Pavel Durov as Gram Wallet on July 21, 2026, renamed Money and opened widely on October 9
Custody	Non-custodial, per Walt and Durov. The contract documentation adds that Telegram creates the wallet and allows switching to self-custody
Where it appears	In the Telegram app, in the Money section. Telegram has not published a list of countries
How it is activated	By receiving a Gram transfer. Walt says the section appears once someone sends you one; ixbt (October 12) says about 0.1 is enough
Where to buy Gram	Not in Money. Walt (P2P and card), or an exchange that lists GRAM, then send it to Money
Published fees	Walt to Money: no network fee. Walt P2P purchases: no Walt fee. Card purchases: partner fees, not published by Walt. Walt to an external wallet: minimum 0.1, fee 0.05
Gram Wallet app	A different product: a standalone self-custodial wallet for iOS and Android from gramwallet.io
Walt	The former @wallet bot, renamed on September 28, 2026. A separate company's app for buying, trading and holding crypto

Why is Money (Gram Wallet) not showing in my Telegram?

Most likely because no Gram transfer has reached your account yet. Walt says the Money section appears after someone sends you one, and Telegram has published no help page, so that is the only rule on record.

Two more things to check. First, the name. Telegram's Gram wallet has been called Money since October 9, 2026. On September 28, when @wallet turned into Walt, the settings entry was called "Gram wallet". Look for Money, not Gram Wallet. Second, the app version: kod.ru reports that Telegram 13.0 or newer is needed, so update Telegram and restart it. Your balance, address and keys did not change with either rename.

How do I activate Money?

A small Gram transfer activates it; nobody can switch it on for you. ixbt wrote on October 12, 2026 that about 0.1 is enough, and kod.ru describes two ways to get one:

• A friend who already has Money sends you 0.1 through it. A notification arrives in the chat.
• You send Gram to Money's address. A friend with Money opens a chat with you, taps the paperclip, picks Money and copies the wallet address from there. You then send at least 0.1 to that address from another TON wallet or Walt.

Either way, restart Telegram and open Settings. The Money section should be there.

If you send from Walt, remember that it charges 0.05 to withdraw to an external wallet and sets a 0.1 minimum, so keep a little more than 0.1 there. These steps come from news reports, not from Telegram. If the section still does not appear on the latest version, Telegram may simply not have reached your account yet. Anyone who offers to switch Money on for a fee is running a scam (see below).

Where do I buy Gram to put in Money?

Money does not sell Gram, so you buy it elsewhere and send it in. Gram cost $1.23 on October 27, 2026, with a market cap of about $3.5 billion (CoinGecko). There are three routes:

• Walt, P2P market. You buy from another user. Walt's help (updated October 20, 2026) says P2P purchases carry no Walt fee.
• Walt, card. Card purchases go through Mercuryo and Alchemy Pay. Walt does not publish their fees, and the minimum is shown in the app, not in the help.
• An exchange. Binance, Bybit, OKX, Gate and KuCoin list GRAM against USDT (CoinGecko, October 27). Buy GRAM, then withdraw to your wallet address on the TON network. Some listings still read "Gram (prev. Toncoin)".

Walt is not available everywhere. Dropstab reported on August 16, 2026 that it is restricted in the US, the UK and most of the EU (Germany, Italy and Spain are allowed) and open in most emerging markets. Open @walt to check that it works where you live. A longer walk-through of each route is in How to buy Gram in Telegram.

How do I send Gram from Walt to Money?

Use Money's Add Funds button, which hands you over to Walt. Walt's own steps, from October 15, 2026:

1. Open Money and tap Add Funds.
2. Choose Buy with cash or crypto.
3. In Walt, pick Deposit from Walt, enter the amount and confirm. Walt says the Gram arrives in seconds with no network fee.

The option is missing if your Walt balance has no Gram, or if all of it sits in Earn. If Money has not appeared yet, activate it first (see the steps above). You can also send Gram to Money from any other TON wallet or an exchange, like any TON transfer. Start with a small amount, because a blockchain transfer cannot be reversed.

Is Money safe?

Durov and Walt both call Money non-custodial, but Telegram has not documented how its keys and recovery work, so treat it as a wallet whose backup you have not seen. Durov announced on July 21, 2026 "a native non-custodial Gram wallet to every Telegram app", and the documentation of its smart contract says that "Telegram creates a wallet, but allows switching to self-custody". Read together, Telegram sets the wallet up for you, and full control of the keys is something you switch to. Check the wallet's own settings before you keep anything valuable in it.

Under the hood, the built-in wallet runs on a new wallet contract, tg-wallet-v1, whose code sits in the TON network's configuration. On August 27, 2026 validators were asked to vote it in "for use with the native Gram Wallet", and on August 31 Durov wrote that they had approved it. Wallets you already have are not affected, and your address and balance don't change. For the difference between custodial and self-custodial wallets, see How to Set Up a TON Wallet for Telegram Gifts.

Scams to watch for

• "Claim GRAM" or "migrate TON". The official TON channel's warning, word for word: "Any site, bot, or link asking you to 'claim GRAM' or 'migrate TON' is a scam." The rename needed no action from anyone, so an offer to "swap TON for GRAM" or "activate new GRAM" is a scam too.
• "Early access" to Money. Telegram rolls it out through its own app updates and transfers. A bot or a person offering to switch it on is after your account or your money.
• Look-alike apps. Check the publisher before you install, and never install a wallet from a link in a chat.
• Requests for your secret words. No support agent, giveaway or app ever needs them.

More patterns in Telegram Stars Scams: Fake Generators and 8 Tricks to Spot.

What can I do with Gram in Telegram?

You can buy Telegram gifts and collectible usernames in Money itself (or buy a Telegram username on Fragment), send Gram to other people, and spend it in Mini Apps that accept TON Connect. Fragment sells usernames, numbers, Telegram Premium and Stars for Gram, and Getgems tops up a Telegram account's Stars with GRAM without KYC (its help, updated September 6, 2026). Telegram does not convert Stars into Gram. The full list is in What to do with Gram in Telegram, and the gift side in buying Telegram gifts with Gram.

Gift Club, a Telegram Mini App with boxes of real Telegram gifts and mini-games, is one place to spend it. As of October 27, 2026, it connects to Walt or Tonkeeper through TON Connect, so Gram kept in Money has to be sent to one of those first. You then deposit at least 1. 33 games take Gram stakes from 0.1, and Gram buys four boxes (Geode, 1; Orbit, 3; Vault, 6; Whale, 10) and three scratch cards (Circuit, Block and Titanium, for 1, 3 and 5). Every Gram round, box and card is provably fair, and you can check one with the provably fair checker. Gram is the balance you play with in the app. What a player claims is a prize: a Telegram gift to their profile or an NFT to their Telegram account or their TON wallet, and the NFT can also be swapped for Gram. Gram also tops up the app's Stars balance at about $0.013 a Star at the coin's live price, so 500 is6.25 GRAM, about $6.57 at Gram's price on November 8, 2026 (CoinGecko), against $9.99 for the same pack in the US App Store; that balance plays in the app, and Gift Club sells no Telegram Stars. Step by step: How to play with Gram on Gift Club.

Money vs Walt vs the Gram Wallet app: what is the difference?

They are three different products that all handle the same Gram on the same TON blockchain: Money is Telegram's own wallet, Walt is a separate company's app where you buy, and the Gram Wallet app is a standalone wallet. As of October 27, 2026:

Walt was called Wallet until September 28, 2026. It holds a custodial account, with trading and Earn, plus a self-custodial DeFi Account (formerly TON Wallet). Its channel already described Gram Wallet and Wallet as "two separate products" on September 4. The Gram Wallet app is published at gramwallet.io. Its store listings say it was created in collaboration with Telegram and built on the engine behind MyTonWallet, which renamed itself My Wallet in June 2026. To get the real one, check the publisher: Anyway Labs FZCO on the App Store, My Wallet Apps Ltd on Google Play. My Wallet's help says the same engine imports an existing wallet from 12 or 24 secret words.

Already use Tonkeeper, another self-custodial TON wallet? Keep it: your address and balance are unchanged, and no rename asks you to move. Pick Money if you want Gram without a second app, and a standalone app if you want to hold your own secret words from day one.

Gram wallet FAQ

Why is Money (Gram Wallet) not showing in my Telegram?

Probably because no Gram transfer has reached your account yet; Walt says the Money section appears after one arrives. Also check the name (Gram Wallet has been called Money since October 9, 2026) and update Telegram.

How do I activate Money in Telegram?

Receive a small Gram transfer, about 0.1 according to ixbt (October 12, 2026), either sent through Money by a friend who has it or sent to its address from another TON wallet. Then restart Telegram. Telegram has published no official steps.

Where do I buy Gram to put in Money?

Money does not sell Gram. Buy it in Walt (P2P with no Walt fee, or by card through Mercuryo and Alchemy Pay) or on an exchange that lists GRAM, then send it to Money.

How do I send Gram from Walt to Money?

In Money tap Add Funds, then Buy with cash or crypto, then Deposit from Walt, enter the amount and confirm. Walt says the transfer takes seconds with no network fee.

Is Money safe?

Money is non-custodial according to Durov and Walt, and the contract documentation says Telegram creates the wallet but allows switching to self-custody. Telegram has not documented recovery, so start small and never give anyone your secret words.

What can I do with Gram in Telegram?

Buy Telegram gifts and collectible usernames in Money, buy usernames, Premium and Stars on Fragment, top up Stars through Getgems, or spend it in Mini Apps that accept TON Connect, such as Gift Club's Gram boxes and games, where Gram also tops up the in-app Stars balance at about $0.013 a Star at the coin's live price.

Is the Money wallet in Telegram the same as the Gram Wallet?

Yes. Telegram renamed the Gram Wallet section Money on October 9, 2026; it is the same built-in wallet, shown in your Telegram once a Gram transfer has reached your account.

Is Money the same as Walt or the Gram Wallet app?

No. Money is Telegram's own wallet inside the app, Walt (formerly @wallet) is a separate company's app where you buy Gram, and the Gram Wallet app from gramwallet.io is a standalone self-custodial wallet.

Keep reading

• Gram converter — what an amount of Gram is worth in dollars and in Telegram Stars.
• Toncoin Is Now Gram — what the rename changed and what it didn't. Gram is the same coin on the same blockchain, and no swap was needed.
• How to Set Up a TON Wallet for Telegram Gifts — custody, backups and taking a collectible gift on-chain.
• Telegram Stars vs TON (Gram) — which of Telegram's two currencies to use for what.