Is TeleMoney custodial?

TeleMoney's site says: "Custodial: fees route through the operator's wallet and are paid out by script. Not trustless."

What does Paygram do with the creator fee?

80% goes to the chosen Telegram, X, GitHub or Fomo handle, to holders, or 50/50; 20% buys and burns $PAYGRAM.

Compare

Paygram vs TeleMoney

TeleMoney and Paygram both launch on pump.fun and route creator fees to a Telegram @username. TeleMoney bridges fees to GRAM on TON and pays the Telegram Wallet, keeps 10% to buy and burn $TM, and says it is custodial. Paygram keeps 80% in SOL (or the pair asset) in a self-custodial Privy wallet, burns $PAYGRAM with 20%, and also supports X, GitHub, Fomo and holder rewards.

Side by side

	Paygram	TeleMoney
Launch venue	pump.fun (default) or Raydium LaunchLab on a SOL pair; fee-switch for existing pump.fun coins	pump.fun
Trade fee	pump.fun's on-chain fee tiers (live on usepaygram.com/fees); Paygram adds no extra trade fee on pump.fun launches	pump.fun's schedule
Creator / recipient share	80% of the pump.fun creator fee goes to the recipient (e.g. 0.24% of each trade at the 0.30% curve rate); 20% buys and burns $PAYGRAM	90% to the recipient (10% buys and burns $TM); clan launches 50% recipient in GRAM, 40% clan in SOL, 10% TeleMoney
Who can receive fees	Any Telegram, X, GitHub or Fomo @handle, holders, or both (50/50); no account needed at launch	Telegram users, channels and groups
How payouts work	Claim with X, GitHub or Telegram login into a self-custodial Privy wallet; Fomo paid to frozen address; holders paid directly	Bridged to GRAM (TON) via Relay, sent to Telegram Wallet; custodial, script-paid
Holder rewards	Optional: 50/50 handle + holders, or 100% holders, pro-rata in the quote asset	No
Platform token	$PAYGRAM buyback and burn from 20% of routed fees	$TM buy and burn
Pairs	SOL, xStocks / PreStocks and other pump.fun pair assets; baskets of up to 5 stocks or DOGE/PEPE/TAO	SOL

Pick TeleMoney if

The recipient wants GRAM in their Telegram Wallet
You want a payout message and private launch

Pick Paygram if

You want SOL, not a bridge to TON
Self-custodial claim wallet
X, GitHub, Fomo or holders

FAQ

What is the difference between Paygram and TeleMoney?: TeleMoney and Paygram both launch on pump.fun and route creator fees to a Telegram @username. TeleMoney bridges fees to GRAM on TON and pays the Telegram Wallet, keeps 10% to buy and burn $TM, and says it is custodial. Paygram keeps 80% in SOL (or the pair asset) in a self-custodial Privy wallet, burns $PAYGRAM with 20%, and also supports X, GitHub, Fomo and holder rewards.
Is TeleMoney custodial?: TeleMoney's site says: "Custodial: fees route through the operator's wallet and are paid out by script. Not trustless."
What does Paygram do with the creator fee?: 80% goes to the chosen Telegram, X, GitHub or Fomo handle, to holders, or 50/50; 20% buys and burns $PAYGRAM.

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Sources, checked 2026-10-20. Fees change; the linked page is the authority.

Paygram is not affiliated with TeleMoney. Paygram figures: FAQ.