Core Points
The Money function allows Gram transfers to enter the Telegram chat window directly. Users can also purchase gifts and collectible user names. Walt remains a stand-alone application for transactions and multi-asset services. Gram is a rename of TON token; no redemption is required.
Money integrates Gram into Telegram's daily operations
Telegram is launching the Money feature as a built-in way to send Gram and purchase goods that belong to the platform's digital economy, including gifts and collectible usernames. According to The Defiant, the feature comes in the form of a native Telegram wallet rather than another stand-alone cryptocurrency application. Its design follows Telegram's early plan to implement Gram transfers directly during conversations. Its published interface text instructs users to open the attachments menu, select "Money", and then send Gram to another participant in the chat. Telegram's translation portal also confirmed this process.
This means that Money is first a payment function and second a transaction product. Users who want to send Gram, buy gifts, or obtain a collectible-level username can do so without having to browse a token chart, order book, or hundreds of asset lists.
Money and Walt serve different user groups
Once their respective roles are clearly distinguished, this promotion strategy will be easier to understand. Money is designed for simple Telegram native operations, while Walt continues to provide support for users who want a wider range of encryption capabilities.
Using Money via Telegram
- 在聊天中发送 Gram。
- 购买 Telegram 礼物。
- 购买收藏级用户名。
- 专注于应用内的简单操作。
通过 @walt 使用 Walt
- 买卖和交换加密货币。
- 使用多资产服务。
- 访问交易和理财产品。
- 管理更广泛的加密投资组合。
Walt 在九月份的公告中预先明确了这种分工。该公司表示,Gram 钱包将成为 Telegram 购买和使用 Gram 的直观入口,而 Walt 将继续作为通过 @walt 提供的更全面的加密平台。这种划分使 Telegram 的产品结构更加清晰:Money 可专注于发送和消费,而 Walt 则可服务于那些主动寻求交易所、投资产品和更多资产选择的用户。
Gram 只是 TON 的新名称,并非新代币
名称变更带来了一个用户在转移资金前需要理解的关键点:Gram 是 Toncoin 的新名称,而区块链本身仍称为 TON。现有的余额、地址和资产无需迁移。
Walt 的文档指出,此次重命名不涉及任何兑换、桥接或新发行代币的行为。任何声称持有者必须将 TON 兑换为“新 Gram”的消息都应谨慎对待,尤其是当该消息引导用户访问网站或要求提供恢复详情时。
用户须知
- 不存在需要完成的 TON 到 Gram 的代币兑换。
- Only use the wallet function provided through Telegram's official interface.
- Never send a recovery phrase, private key, or Telegram login Captcha to a chat contact.
The convenience of chat payments does not eliminate cryptocurrency risks
Telegram founder Pavel Durov described Gram Wallet as an unmanaged product in an earlier announcement. This gives users more control over assets, but also means they need to handle wallet access and recovery information carefully. Payments made to the wrong recipient can be difficult to revoke, while damaged accounts or leaked recovery phrases can put funds at risk. Users should confirm the recipient and amount before sending a Gram and wait for the feature to come online through Telegram's normal channels, rather than installing a copycat app or clicking on a link in an unsolicited message.
Telegram first makes cryptocurrency practical and then complicates it
The Money feature does not prove that Telegram's huge user base will start using Gram, nor does it turn every chat into a cryptocurrency market. It gives tokens a clearer day-to-day role within the instant messaging tool: a way to transfer value and purchase existing digital goods within the platform.
Whether or not this role can gain attention will depend on the intensity of promotion, regional access, and the ease with which Telegram can simplify the acquisition and protection of Gram. Currently, the product strategy is very clear: Money handles simple payment moments, while Walt provides available services for users who want to explore cryptocurrencies in depth.
本文仅供参考,不构成投资或财务建议。功能可用性可能因地区和账户而异。

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