Pay any Russian
QR code with
crypto.
TeleCard is a crypto wallet for everyday payments in Russia. Scan an SBP QR code, check the price in USDT, confirm. A verified merchant pays the shop in rubles.
Works in Telegram and in your browser. A standalone mobile app is on the way.
From wallet
to checkout.
Hold crypto, pay for a purchase, check where the money went. No extra screens.
Top up with crypto
Pick an asset and a network, check the address, and follow the confirmations of your transfer.
01 / WalletPay by QR
Scan an SBP QR code and check the amount and the rate. A verified merchant pays the order in rubles.
02 / PaymentsKnow where your money is
Statuses, history and bot messages keep every operation in view.
03 / HistoryBuilt for paying
in Russia.
SBP is Russia's national instant payment system, and its QR codes are what shops, cafés and services show at checkout. TeleCard reads them and settles the ruble payment from your crypto balance.
Travelling or relocating
Foreign bank cards often don't work at Russian checkouts, and an SBP QR code normally needs a Russian bank app. TeleCard lets you pay it from a crypto balance instead.
Living and working remotely
Keep your money in USDT and pay for everyday things at local ruble prices. You don't need a Russian bank account: a verified merchant pays the QR for you.
Holding crypto
Spend USDT, BTC, ETH or Gram on regular purchases and see the full price, rate and fee before you confirm.
Everything you need.
On one screen.
Balance, QR payments, deposits and withdrawals in one app, in Telegram and in your browser.
- Balance shown in rubles or USDT
- Separate assets and networks
- Operation history and 1% cashback on QR payments
Top up. Scan.
Confirm.
Choose a network
Send crypto to the address you get in the app and wait for it to be credited.
Check the purchase
The SBP QR, the ruble amount, the rate and the final crypto debit, all on one screen.
Wait for the result
A merchant pays the order. The confirmed operation lands in your history and the bot sends you a message.
The total is clear.
The decision is yours.
See the rate, the terms and the total before you pay. If the quote expires, review the refreshed amount again.
Illustrative market rate: ₽80.00 per USDT, with the payment rate 4% lower. This is not a live quote or a tariff.
Your actions.
Under your control.
Passcode and Face ID
Access only with your passcode or biometrics, on every launch and after 5 minutes of inactivity. Money actions ask for confirmation again.
Bot notifications
Deposits, payments, withdrawals and security events. Message categories and quiet hours are configurable.
Support nearby
Chat in the app and in the bot: the conversation history and operation context mean you never explain twice.
QR here.
A card on the road.
Two scenarios in one wallet: SBP QR for purchases in Russia and an upcoming card for payments abroad.
A card for travel
We are planning a virtual card for purchases and online services outside Russia. You will be able to add it to Apple Pay and Google Pay once a supporting issuer is connected.
About the upcoming cardMore plans.
More possibilities.
TeleCard Boost is a planned subscription for people who need a higher monthly volume of QR payments.
Explore TeleCard BoostPrice, limit and billing period have not been set yet.
Crypto, explained.
Useful for payments.
QR paymentsHow to Pay a Russian SBP QR Code with Crypto: Step-by-Step Guide
Cafés, taxis, markets and shops across Russia show an SBP QR code at checkout. Here is how to pay one from a crypto balance: the steps, what the rate looks like and what happens after you confirm.
TransfersUSDT on TRC20, ERC20 or TON: Which Network Should You Use?
What the different USDT networks are, how to avoid sending a transfer to the wrong one and what a memo is on TON. Compare TRC20, ERC20 and TON by speed, minimums and withdrawal fees in TeleCard.
DepositsCrypto Deposit Pending or Not Credited? What to Check and What to Do
What “pending” means for a crypto transfer, how many confirmations the network needs and how to find a transaction by its TXID. A step-by-step check and the details to give support.
Good questions.
Start with the essentials. Detailed guides live in the blog and the help center.
How do I pay a Russian QR code with crypto?
Scan the SBP QR code in the app, check the ruble amount and the crypto debit, then confirm. A verified P2P merchant picks up the order and pays the QR in rubles from their own bank account. The final status appears in your history.
Do I need a Russian bank account or card?
No. You pay from your crypto balance in TeleCard, and the merchant pays the shop in rubles from their own bank account. All you need is Telegram and crypto.
What are the rate and the fees?
There is no separate fee on top. By default the payment rate is 4% below the market rate (3% service fee plus 1% merchant margin), and you get 1% cashback in USDT. The exact total is shown on the confirmation screen before you pay, and the rate is locked for 30 seconds.
Which cryptocurrencies and networks are supported?
USDT on TRON (TRC20), Ethereum (ERC20) and TON, plus BTC, ETH and Gram (formerly Toncoin) on TON. Pick the network before you send: it has to match on both sides of the transfer. See Wallet and networks for details.
Who holds the keys to my funds?
TeleCard is a custodial wallet. The service holds the keys to the deposit addresses, and transfers are signed by a separate, isolated signing service. You manage your balance in the app. Your PIN protects access and money actions; it is not a blockchain private key.
Do I need Telegram to use TeleCard?
Telegram is the main way in: TeleCard runs as a Mini App inside the bot @itelecard_bot. The app also opens in a browser at app.telecard.top, and you sign in there with Telegram too. A standalone mobile app is on the way.