Matrimix
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Product

Wallet Web version Transfers Cards QR payments Exchange Private

Services

Travel eSIM Stars & Premium Steam top-up Gift cards Game top-ups AML check

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Pricing How it works FAQ Articles Security
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Crypto wallet in Telegram

A crypto wallet that lives in Telegram

Keep USDT, BTC, GRAM and 15+ coins, send to friends for free, pay with a virtual card and swap at the best rate. In Russia, pay SBP QR codes in rubles. One chat, no app to install.

Open wallet in Telegram See how it works
Opens in one tap 0% transfers by ID AML-checked payouts
Tether USDTUSD Coin USDCGRAM formerly ToncoinSolana SOLTron TRXBitcoin BTCEthereum ETHBNB BNBLitecoin LTCDogecoin DOGE
Apple PayGoogle PayNetflixClaudeSpotifySteamBooking.comAirbnbGitHubYouTubeFigmaUberAliExpressApp StoreTikTok AdsGeminiDiscordPerplexity
15coins and networks in the wallet
0%fee on transfers between users
24/7automated swaps inside Matrimix, no registration
9languages on the site and in the app
How it works

One app instead of five

01 / 05

Your wallet, already inside Telegram

No email, password or extra app. Open Matrimix from a chat and get addresses in every popular network in a second.

  • Deposit addresses in 15+ networks
  • Total balance in dollars at a glance
  • Deposits are free
Wallet
02 / 05

Swap at the best rate

An aggregator with its own routing engine: it picks the best rate among partner exchanges, and you see the full cost of the swap before you confirm.

  • Every fee is in the quote
  • Private swap through Monero or Zcash
  • Works on the website too, without an account
Exchange
03 / 05

Send to friends for free

A transfer to another Matrimix user by ID or @username arrives instantly and costs nothing. Withdrawals to any address show the network fee up front.

  • 0% between Matrimix users
  • Instant, any time of day
  • Slide to confirm, so nothing is sent by accident
Transfers
04 / 05

A card for paying abroad

Virtual USD Visa topped up with USDT or USDC: subscriptions, ads, travel, Apple Pay and Google Pay.

  • Issued in the app in a couple of minutes
  • One card for purchases, subscriptions and ads
  • Top up from your crypto balance
Cards
05 / 05

Pay by QR in rubles

Scan an SBP QR code — Matrimix shows the amount in rubles and the fee. Confirm with a slide, and the merchant receives rubles.

  • Any SBP QR code, with or without an amount
  • Rubles from a swap of USDT or another coin
  • Referrals: 1% / 0.5% / 0.25% of friends' payments
QR payments
Products

Everything you do with money, in one place

Cards

Virtual cards for the whole world

The Premium Card for everything: Apple Pay and Google Pay, ChatGPT and Netflix subscriptions, ads and cloud.

 Transfers

Free transfers

To any Matrimix user by ID, instantly.

0%

 Private

Private swap

Breaks the on-chain link between what you send and what you receive.

 Telegram

Stars & Premium

Stars and Premium for yourself or as a gift, paid from the wallet.

 AML

AML address check

Risk score of an address before you send or accept coins.

 QR payments

SBP QR payments

Scan a QR code at the till and pay in rubles from your ruble balance. Rate and fee before you pay.

 Digital goods

Games, gift cards and subscriptions

Steam, App Store, Google Play, PlayStation and 30+ brands, paid with crypto.
Services

Services inside the wallet

Pay for digital goods and check addresses straight from your balance — no card, no extra apps.

Travel eSIMMobile data in 190+ countries, paid with any coin. Stars & PremiumStars and Premium for yourself or as a gift, paid from the wallet. Steam top-upTop up a Steam account by login in roubles or dollars. Gift cardsApple, Google Play, PlayStation, Netflix and dozens of other brands. Game top-upsIn-game currency by player ID, checked before payment. AML checkRisk score of an address before you send or accept coins.
Cards

Premium Card — pay for anything

A virtual US dollar Mastercard issued in Hong Kong: one-off purchases, ChatGPT, Claude and Netflix subscriptions, AI tools, Meta Ads and Google Ads, cloud, flights and hotels. Works with Apple Pay and Google Pay and is topped up from the USDT/USDC balance in your Telegram wallet.

Apple Pay · Google Pay · Samsung Pay $0.25 per purchase Mastercard · USD · Hong Kong 3DS codes in the Telegram bot

About the card

Exchange

Exchange without an account

Pick a pair and swap inside Matrimix. Coins go straight to your address.

  • The exchange never asks for ID or registration
  • Swaps are non-custodial: coins go straight to your wallet
  • Every address is screened against the OFAC sanctions list
  • Refunds without identity

Popular pairs

BTC → XMRUSDT → BTCBTC → USDTETH → BTCUSDT → XMRXMR → BTCGRAM → USDTSOL → USDTLTC → XMRUSDT → ETHTRX → USDTZEC → BTC
NO KYC Clean coins Every swap passes an AML check
You send
BTC

Popular

All coins

You get
XMR

Popular

All coins

Security

What we hold and what we don't

  • Exchange — non-custodialOn a regular swap the coins are sent straight to your address. We don't keep them.
  • Wallet — custodialWallet balances are kept by Matrimix, like in any Telegram wallet. That is what makes free instant transfers by ID possible.
  • Screening on every swapEvery address is screened against the OFAC sanctions list

Fees without surprises

Deposit to the wallet0%
Transfer by Matrimix ID0%
Withdrawalnetwork fee + small fixed fee
Exchangefull cost shown in the quote

All fees

Supported coins and networks

USDT TRC20USDT TONUSDT SolanaUSDT ERC20USDT BEP20USDC SolanaUSDC ERC20GRAM TONSOL SolanaTRX TronBTC BitcoinETH EthereumBNB BSCLTC LitecoinDOGE Dogecoin

Guides and articles

Wallet

Check USDT Before Sending It to an Exchange

How to check USDT for risky funds before an exchange deposit: a 0–100 AML score, risk sources and an OFAC check online, without registration.

2026-10-20 · 4 min read Cards

Book Hotels and Airbnb With USDT via a Virtual Card

Book Booking.com, Airbnb and flights with a virtual card funded by USDT or USDC. How holds and deposits work, which card to pick, step by step.

2026-10-20 · 4 min read Travel

Buy an eSIM with Crypto or USDT: Step-by-Step (2026)

Buy an eSIM with USDT, USDC or another coin in the Matrimix wallet in Telegram: no bank card, no ID, price in USD shown first, QR code right after payment.

2026-10-17 · 7 min read

All articles

Frequently asked questions

What is Matrimix?

Matrimix is a crypto wallet in Telegram. You keep USDT, BTC, GRAM and 15+ coins, send money to friends by Matrimix ID for free, pay with virtual cards, buy Telegram Stars, Premium and gift cards, check addresses for AML risk and swap coins inside Matrimix through an aggregator with its own routing engine.

Does Matrimix hold my funds?

It depends on the product. On a regular swap the coins are sent straight to your address, so Matrimix does not keep them. The optional private swap passes through our hub wallet for a short time, which is disclosed. The Telegram wallet is custodial: balances are held by Matrimix so that transfers between users are instant and free.

What is GRAM? Is it Toncoin?

Yes. Toncoin, the native coin of the TON network, was renamed GRAM. In Matrimix it is shown as GRAM; the network is still TON, and existing addresses and balances did not change.

Which coins does Matrimix support?

The wallet keeps USDT (TRC20, TON, Solana, ERC20, BEP20), USDC, BTC, ETH, GRAM (formerly Toncoin), SOL, TRX, BNB, LTC and DOGE across 15+ networks. Swaps also support XMR, XRP and ZEC. Popular pairs have their own pages with a live rate.

What fees does Matrimix charge?

On the exchange, every quote shows the full cost against the market rate: the exchange spread, network fees and our fee together. In the wallet, deposits and transfers by Matrimix ID are free; a withdrawal costs the network fee plus a small fixed fee shown before confirmation.

Do I need to register to use Matrimix?

The exchange on the site needs no registration: no accounts, passwords or logins. You choose a pair, enter your receiving address and send the deposit. The wallet works in Telegram through your Telegram account, and in the browser at app.matrimix.net, where you sign in with Telegram or with a PIN and password. No email or phone either way.

FAQ

Open Matrimix in Telegram

The wallet opens in one tap. Your first address is ready right away.

Open in Telegram Wallet