Transactions

How to deposit DeFi Account

You can deposit funds to DeFi Account in two main ways:

  1. Transfer from another wallet or exchange on the TON network.

Сopy your DeFi Account address. Make sure the transfer is made on the TON network.

To find out your DeFi Account address:

  • Go to your DeFi Account > Tap "My Address" in the main menu > The address will be copied automatically.
  • Go to your DeFi Account > Tap "Deposit" > "External Wallet" > Copy the address or scan the QR code."

Always ensure that:

  • The transfer is sent exactly to this address; otherwise, the funds may be lost;
  • You have also selected the TON network in the interface of the other platform when making a transfer to your DeFi Account.

No memo/tag is required when depositing to DeFi Account, you can leave the memo field empty or enter any value.

  1. Transfer from another wallet or exchange on other networks

You can top up your DeFi Account using popular tokens from other networks. Upon deposit, these tokens are automatically converted into the corresponding TON network token — USDT or TON.

  • To send USDT and USDC (swap to USDT option):

Open your DeFi Account > Tap “Deposit” > “Stablecoins” > Select the desired token and correct network > Copy the address and paste it into the withdrawal form on the other platform.

When your deposit is processed, your tokens will be converted 1:1 into USDT on the TON network. You will receive the equivalent amount of USDT in your DeFi Account.

  • To send BTC, ETH, and SOL (swap to TON option):

Open your DeFi Account > Tap “Deposit” > “Other Crypto” > Select the desired token and correct network > Review the exchange rate for your token to TON > If you agree with the rate, copy the address and paste it into the withdrawal form on the other platform.

When your transaction is processed, your tokens will be converted into TON at the confirmed exchange rate. You will receive the equivalent amount of TON in your DeFi Account.

Note:

  • Deposits of tokens on networks other than TON are carried out via the third-party service swaps.xyz, according to its limits and terms. You can review the swaps.xyz Terms of Service here.
  • For transfers made from networks other than TON, deposit addresses are unique for each transaction. You can use the address for a single transfer only; using it for any subsequent transaction may result in loss of funds.
  1. Buy crypto using a bank card.

You can purchase crypto with a bank card and deposit it directly into DeFi Account. On the home screen, tap Deposit > Buy with Apple Pay.

You’ll be redirected to a partner’s website to complete the payment. The funds will arrive within ~15 minutes after payment.

  1. Buy via P2P Express in Crypto Wallet

You can buy cryptocurrency via P2P Express in Crypto Wallet. To do this:

  1. On the DeFi Account main screen, tap “Deposit” → “P2P Market”.
  2. You will be redirected to the P2P Express page in Crypto Wallet.

If you don’t yet have an account in Crypto Wallet, you will be prompted to create one.

  1. Complete the Extended level of verification in Crypto Wallet. This is required to use P2P Express.
  2. Follow the on-screen instructions to buy cryptocurrency. You can learn more about buying through P2P Express here.
  3. After the purchase, the cryptocurrency will be automatically sent to your DeFi Account — with no fees or extra steps required from you.

Purchases through P2P Express are subject to the Crypto Wallet terms.

Deposit error

If you see an error while trying to deposit to DeFi Account, please contact the support team of the service you’re using to send the funds. Only they can confirm whether the transaction was successfully initiated.

What does “manifest error” mean?

A manifest error may appear when trying to connect DeFi Account to a third-party app. It means that the app did not send the required technical data needed for DeFi Account to process the request.

A manifest is a technical description that helps DeFi Account understand how to interact with the application.

In this case, reach out to the app’s support team and ask whether they support working with DeFi Account.

How to check a blockchain transaction when depositing to DeFi Account

There may be several reasons why cryptocurrency might not appear in your DeFi Account balance. Below are step-by-step recommendations to help you identify and resolve the issue.


  1. Check the address to which the funds were sent

In DeFi Account, you may have multiple addresses — for example, versions W5 and VR4. It’s essential to ensure that the cryptocurrency was sent to your active DeFi Account address.

How to find your DeFi Account address:

  • Tap "Deposit" or select the desired cryptocurrency from your balance.
  • Copy the address and compare it to the one used in the transaction.

Also check your active DeFi Account version:

  1. Tap the three dots in the top right corner.
  2. Select “Settings”.
  3. Go to the “Version & Network” section.
  4. Make sure the correct version is selected (W5 or VR4) along with the corresponding address.

  1. Check the transaction status on the blockchain

Even if the address is correct, the transaction might still be pending confirmation.

How to check:

You can use a blockchain explorer such as Tonviewer or Tonscan to view transaction information.

Instructions:

  1. Copy your wallet address or the transaction hash (TxID).
  2. Go to Tonviewer.com.
  3. Paste the copied address or hash into the search bar.
  4. Open the relevant transaction to view its status:
    • If it says “Success” — the transaction is confirmed.
    • If it says “Pending” or “Failed” — the transaction is either not yet complete or has been rejected.

You can also go to the transaction history within DeFi Account and tap “Open in Explorer” — this will redirect you to a detailed transaction page.


  1. You logged in from a new device — a new address was created

If you opened DeFi Account on a new device, a new address may have been generated automatically.

Make sure that:

  • You are viewing the same DeFi Account address.
  • You have selected the correct DeFi Account version and opened the correct address.

Important:

DeFi Account is a non-custodial wallet. This means that only you control access to your funds.

The support team can assist you with:

  • Checking the transaction status on the blockchain.
  • Helping you identify the active address in your interface.

However, we cannot cancel or resend a transaction if it was sent to the wrong address.

I was sent a token, but it’s not showing up in DeFi Account

If someone sent you tokens, but they haven’t appeared in your DeFi Account yet, don’t worry. Sometimes blockchain transactions take a little longer to process. Usually, tokens show up in the wallet a few minutes after the transaction is confirmed.

Check the transaction:

  • Verify the recipient’s address.
  • Open the transaction in a blockchain explorer (for example, Tonviewer or Tonscan).
  • Make sure the transaction has been successfully confirmed.

Learn more

If the token is visible on your address in the blockchain but doesn’t appear in DeFi Account, it may not be displayed in DeFi Account because:

  • Token was recently created and has not yet been reviewed.
  • Token lacks verified value or there is no information confirming its reliability.

Note: before interacting with such tokens:

  • Conduct your own research (DYOR — Do Your Own Research).
  • Exercise caution: such jettons may be illiquid, fraudulent or temporary.

You can learn how to add a token to the DeFi Account interface here.

Ways to withdraw from DeFi Account

You can withdraw funds from DeFi Account in the following ways:

  • to an external wallet on the TON network
  • to an exchange that supports TON tokens
  • to exchange address/external wallet on other network (only for USDT withdrawal)

When withdrawing USDT, you will also have the option to convert your USDT coins to USDC.

  • to your custodial Crypto Wallet in Telegram
  • directly to a Telegram contact;
  • sell cryptocurrency and receive fiat funds to your bank card.

To start a withdrawal, tap ‘Withdraw’ on the DeFi Account home screen, enter the recipient address or select a contact, enter the amount, review the fee, and confirm the transaction.

Note: withdrawals of USDT on networks other than TON are carried out via the third-party service swaps.xyz, according to its limits and terms. You can review the swaps.xyz Terms of Service here.

I see a warning when making a transaction. What does it mean

When sending tokens, confirming transactions via TON Connect, or using third-party protocols within DeFi Account interface, an automatic check is initiated. The system analyzes the transaction to detect:

  • counterfeit tokens impersonating official ones;
  • potential interactions with scam services or high-risk protocols.

This check is designed to provide you with additional information to help you make an informed decision before proceeding with the transaction.

Important: DeFi Account issues warnings but does not take responsibility for the completeness or absence of such warnings, and it does not block any actions — the responsibility for doing your own research (DYOR) and sending funds lies with the user.

A warning may mean that:

  • You are sending a large portion of your balance;
  • The recipient address may be linked to fraudulent activity.

Always double-check the transaction details and conduct your own research (DYOR — Do Your Own Research) before confirming any transaction.

Note: it’s essential to do your own research before making any transaction in DeFi Account, even if no warning appears. Do not send cryptocurrency to unverified addresses or unknown services.

Trouble withdrawing funds

If you’re unable to withdraw funds from DeFi Account, try the following steps:

  1. Check your Toncoin balance — make sure you have enough to cover network fees. Fees can range from 0.02 to 1.05 TON depending on network load.
  2. Check your internet connection — switch between Wi-Fi and mobile data if needed.
  3. Restart your device — this may fix temporary glitches. Try the withdrawal again after rebooting.
  4. Check your time settings — the "Set time automatically" option should be enabled in your device settings.
  5. Try a different device — for example, another smartphone or laptop. This helps rule out device-specific issues.

  6. Clear Telegram’s cache — log out of DeFi Account, clear the Telegram app cache, then log in to DeFi Account again and retry the withdrawal.

    ⚠️ Important: Be sure to save your Secret Phrase before logging out.

Transfer not received

If the funds have not been credited to the specified address, please check the following:

  1. Check whether the transaction was successful.

    Go to TON Viewer or another blockchain explorer and enter your wallet address. You’ll see the full transaction details: amount, status, time, and recipient address.

  2. Verify the recipient address.

    Make sure the address was entered correctly.

    If you were sending funds to an exchange, be sure to include the memo/tag — it’s usually shown in your exchange profile. Mistakes here can result in lost funds.

  3. Check if the funds were sent to a different DeFi Account.

    You may have multiple DeFi Account versions with different addresses. To verify:

    Go to your DeFi Account → tap your avatar → Version & Network.

    Each version has a unique blockchain address.

  4. Make sure the transaction passed the review.

    If the withdrawal was made from Crypto Wallet to DeFi Account, make sure your transaction passed the review. The “pending” status in Crypto Wallet means the transaction is still under review. If you received a message in the @wallet chat saying, “Your withdrawal has not passed the security check” it means your withdrawal transaction from the Crypto Wallet did not pass the review, and we recommend trying to send the cryptocurrency to a different address.

What should I do if a deposit or withdrawal on another network did not reach my DeFi Account / address on another platform

Deposits and withdrawals of tokens on networks other than the TON network are processed via the third-party service swaps.xyz in accordance with its Terms of Service.

If your tokens were not credited during a deposit or withdrawal on another network, contact our support team. Our team will take a look to see what may have occurred and, if necessary, will contact the third-party service for possible solutions.

How to check a transaction on the blockchain when withdrawing from DeFi Account

To verify the status of a transfer, follow these steps:

  1. Go to the Transaction History section.
  2. Find the relevant transaction and tap on it.
  3. Tap "Open in Explorer" — this will take you to a blockchain explorer where you can see the current status and the transaction hash (TxID).

You can also view the status directly in the transaction details within DeFi Account — it will be labeled as, for example, “Success”, “Processing” or “Error”.

The transaction status is clearly indicated in the description of each transaction in DeFi Account.

Transaction not delivered when sending to a contact via DeFi Account

If your transaction is still processing, it may be because the recipient has not yet accepted the transfer or has not received the notification.


How transfers via DeFi Account work:

When sending tokens or NFTs to a Telegram contact, the recipient must confirm receipt for the funds to be credited. Until then, the transaction will remain in a processing state.

Where the recipient sees the notification:

The incoming transfer notification is shown:

  1. On the main screen of DeFi Account.
  2. In the chat with Wallet — the official Crypto Wallet bot.

The recipient can accept or decline the transfer through either of these notifications.


Processing Timeframe

  • The transaction will remain in the “Processing” status for up to 14 days.

  • If the recipient does not accept or decline the transfer within this period, the funds will be automatically returned to the sender.


If the recipient has multiple addresses:

If the user has multiple addresses in DeFi Account (for example, versions W5 and VR4), the cryptocurrency or NFT will be credited to the address where the notification is accepted.

The assets will be credited to the DeFi Account account in which the recipient opens the notification from @wallet and confirms the transfer — regardless of how many accounts they have.

What to do if the notification was not received:

If the recipient does not see the notification or is unable to accept the transfer:

  • Make sure they are logged into the correct Telegram account and have opened the appropriate version of DeFi Account.
  • If the issue persists, contact our Support Team — we’ll help you sort it out.

How to send cryptocurrency from DeFi Account to another address

To transfer cryptocurrency to an external wallet, follow these steps:

  1. Tap “Withdraw” on the main screen of DeFi Account.
  2. Select the desired cryptocurrency.
  3. Tap “External Wallet”.
  4. Enter the recipient’s address, the amount to send, and, if needed, a memo.
  5. Confirm the transaction by following the on-screen instructions.

How to send cryptocurrency from DeFi Account to your Crypto Wallet account

To transfer cryptocurrency from DeFi Account to your Crypto Wallet account:

  1. Tap “Withdraw” on the main screen of DeFi Account.
  2. Select the desired token.
  3. Tap “Your Crypto Wallet”.
  4. Follow the on-screen instructions to confirm the transfer.

Alternatively, you can manually copy your Crypto Wallet address and send funds from DeFi Account using the “External Wallet” option.

Important:

  • If your Crypto Wallet account is blocked, this feature will be unavailable.
  • The “Your Crypto Wallet” option will only appear after you generate a top-up address in Crypto Wallet.
  • Before sending, make sure the token is supported by Crypto Wallet (the custodial service). Custom tokens that are not listed in the Crypto Wallet interface may be lost if sent.
  • The transaction is executed on the blockchain and a network fee is charged for it.
  • All transactions in Crypto Wallet go through a review process. If the status of your transaction is shown as “pending” in Crypto Wallet, it means it is still under review. If you received a message in the @wallet chat saying, “Your deposit has not passed the security check” it means your deposit transaction did not pass the Crypto Wallet review and the tokens will not be credited to your wallet. You can learn how to return a deposit that didn’t pass the review here.

Fees

Deposit: no fee is charged for depositing tokens on TON network or USDT and USDC from other networks.

Note: when depositing tokens from networks other than TON (BTC, ETH, SOL), an exchange fee of 0.9% to TON applies.

Withdrawal from DeFi Account to an external address (external wallet, another DeFi Account, exchange, or Crypto Wallet) — except USDT:

  • A network fee is charged — from 0.02 to 1.05 TON, depending on network load.
  • To ensure the transaction goes through, make sure your balance has at least 1.05 TON — this will cover the maximum possible fee.
  • You can pay the fee with:
    • TON;
    • Telegram Stars — in case your DeFi Account balance contains Stars. If you don’t have enough Stars, TON will be used automatically;
    • Token-based fees (Gasless): in the W5 version, you can pay the fee in the token you’re sending — for example, USDT, NOT, DOGS, BOLT, HMSTR. Learn how to switch to W5 here.

Withdrawing USDT to an external address:

  • A network fee is charged — from 0.02 to 1.05 TON, depending on network load.
  • The network fee can be paid with:
    • USDT via the W5 version;
    • Telegram Stars, if available in your DeFi Account balance. If there are not enough Stars, TON will be used automatically.
  • A withdrawal fee is charged depending on the network:
    • TON — 0 USDT
    • TRON — 3.5 USDT
    • Ethereum — 4 USDT
    • Solana — 1.5 USDT
    • BSC — 1.5 USDT
    • Arbitrum — 1.5 USDT
    • Polygon — 1.5 USDT
    • Base — 1.5 USDT

Sending tokens to Telegram users:

  • A higher fee applies: it covers transfers to the smart contract and to the recipient's address, as well as the potential return of assets.
  • You can pay the fee with:
    • TON;
    • USDT: when sending USDT in the W5 version.

Note: the exact fee is always displayed on the screen before you confirm the transfer.

What are “Gasless” transactions in W5

In the W5 version, transfer fees can be paid not only in TON, but also in popular jettons such as USDT, NOT, DOGS, BOLT, and HMSTR. The list of supported jettons is constantly expanding.

To choose a jetton for paying the fee, tap the Fee payment field when sending a transfer and select the preferred option.

If you send TON, the fee is always charged in TON.

In v4R2, fees can only be paid in TON or Telegram Stars.

Limits

Deposit

  • On the TON network: there are no minimum or maximum deposit limits.
  • On other networks: the minimum and maximum amounts depend on the selected token and network. Current limits can be viewed in the DeFi Account interface when depositing the following tokens:
    • USDT: TRON (TRC-20), Ethereum, BSC, Solana, Arbitrum, Polygon
    • USDC: Ethereum, Solana, Base, Arbitrum, Polygon
    • BTC: Bitcoin network
    • ETH: Ethereum network
    • SOL: Solana network

Note: deposits below the minimum limit in networks other than TON network will not be credited and may result in loss of funds.

Withdrawal:

  • On the TON network: there are no minimum or maximum withdrawal limits.
  • When withdrawing USDT to other networks, the following minimum limits apply:
    • TRON — 100 USDT
    • Ethereum — 250 USDT
    • Solana — 40 USDT
    • BSC — 40 USDT
    • Arbitrum — 40 USDT
    • Polygon — 40 USDT
    • Base — 40 USDT

Note: deposits and withdrawals of tokens on networks other than the TON network are processed via the third-party service swaps.xyz in accordance with its limits and terms.

Supported cryptocurrency

DeFi Account only supports the TON network and displays tokens issued on this network.

However, you can send tokens from other networks to your DeFi Account:

  • USDT: TRON (TRC-20), Ethereum, BSC, Solana, Arbitrum, Polygon networks
  • USDC: Ethereum, Solana, Base, Arbitrum, Polygon networks
  • BTC: Bitcoin network
  • ETH: Ethereum network
  • SOL: Solana network

Upon deposit, these tokens are automatically swapped:

  • USDT and USDC  — to USDT (TON)
  • BTC, ETH, and SOL — to TON (Toncoin)

Note: the exchange and deposit of tokens from other networks are carried out via the third-party service swaps.xyz. You can review the swaps.xyz Terms of Service here.

Tag/memo in DeFi Account

Tag, memo, or comment are extra fields that some services (like exchanges) use to identify who exactly should receive the funds within their system.

There is no tag/memo or comment for deposits in DeFi Account. DeFi Account is non-custodial and these fields are not required for deposits — you can simply provide your wallet address, and leave the memo field empty or enter any value. It won’t affect the transaction.

When a memo is required:

When withdrawing from DeFi Account to an exchange or another wallet, you may need to enter a memo/tag. This is especially important when sending to centralized exchanges.

What to do:

  1. Find the correct memo in your exchange account — it’s usually shown along with the address.
  2. When sending from DeFi Account, enter this memo in the “Comment, tag or memo” field.

❗️If you forget to include the memo or enter it incorrectly, your funds may not reach the recipient.

What to do if you forgot the memo:

If you already sent a transfer to another service without a memo, do the following:

  • Contact the recipient exchange’s support team.
  • Tell them you forgot to include the memo, and provide the DeFi Account address you used.
  • Ask them to return the funds to your address.

Next steps will depend on the exchange’s policies and its customer support.

I can’t withdraw tokens from DeFi Account, I receive “Invalid address” error

The “Invalid address” error appears when the recipient address is incorrect. Please make sure that:

  • The address belongs to the TON network — DeFi Account only supports sending tokens within this network.
  • The address is entered correctly. We recommend copying and pasting the address to avoid typos.

Why was my withdrawal on another network returned

Withdrawals of tokens on networks other than the TON network are processed via the third-party service swaps.xyz in accordance with its terms.

Before a transaction is processed, swaps.xyz automatically performs its own checks to ensure that the crypto assets do not pose a risk to the service or its users. If a withdrawal does not pass this check, it may be returned to the balance of your DeFi Account.

If you encounter any issues when withdrawing tokens on other networks, contact our support team. Our team will take a look to see what may have occurred and, if necessary, will contact the third-party service for possible solutions.

You can find more details in the swaps.xyz Terms of Use here.

How is the fee calculated for NFT/Jetton transactions

Since the fee in the TON blockchain is calculated exactly at the moment of initiating a transaction, it is impossible to calculate it precisely before sending. Several factors influence the fee, including transaction size, network congestion, the status of the withdrawal address and other criteria. 

As such, the quoted withdrawal fee for sending NFTs or tokens is slightly increased to account for these factors. This precaution ensures coverage of potential increased fees at the time of transaction. After withdrawal, any unused amount allocated for fees in NFT or Jetton transactions will be refunded to your DeFi Account.

Why do I see the ‘Contract deploy’ transaction after the first deposit? Is this a fee from DeFi Account

This transaction occurs when you activate your DeFi Account and a non-custodial wallet address is created in the TON blockchain. It is a one-time fee that is automatically charged by the TON blockchain and is required for your address to become active.

Is it possible to recall funds/assets that have been sent

Once assets are sent they can't be recalled as transfers on the TON blockchain are final and all blockchain transactions are irreversible by nature.

Are the addresses to which I send assets verified by DeFi Account in any way

DeFi Account provides you with a convenient interface to access different third-party functionalities of the TON ecosystem. The choice to rely on third party content or to use a third party service in DeFi Account is your own, and you are solely responsible for using it. Dealing or correspondence with any third party that provides such content or utilities is solely between you and that third party, and DeFi Account does not control or validate it.

Also it is your responsibility to ensure that the recipient address is issued on the TON blockchain, and is valid and exact.

I am not able to withdraw from DeFi Account. I receive the error ‘Unable to verify transaction’

The error means that the transaction wasn’t successfully sent to the TON blockchain.

This could happen for a number of reasons, such as an unstable connection, insufficient funds, or blockchain issues.

To resolve it, please try the following steps:

1. Try sending crypto using a different Internet connection. For example, if you used Wi-Fi, switch to mobile data instead or vice versa.

2. Check whether you have enough Toncoin to cover the TON network fee. The fee may vary from 0.02 to 1.05 TON.

3. Restart your device and try again.

4. Enable the ‘Set time automatically’ feature on your device. It can be done in the ‘Date and Time’ section of your device settings.

5. Try a different device — for example, another smartphone or laptop.

If these steps didn’t help, try to log out of your DeFi Account account, clear your Telegram app cache, log in to DeFi Account again and repeat the transaction.


How do I clear the app cache?

- For iOS: Go to Telegram Settings > Data and Storage > Storage Usage > Clear Cache.

- For Android: Go to Settings > Apps > Telegram > Clear Cache, and then Settings > Apps > Android System WebView > Clear Cache.

Important: Before clearing cache, be sure to save your DeFi Account Secret Recovery Phrase or enable the email recovery function. You can find the Secret Recovery Phrase or enable email recovery in DeFi Account settings, by tapping on the 3 dots in the app’s upper-right corner.

If the above instructions didn’t solve the issue, please contact DeFi Account Support. Our team will check your case and inform you on next steps.

I am not able to withdraw from DeFi Account. I receive the error ‘You don’t have enough TON to pay for transfer fee’

Every blockchain transaction requires a network fee for sending cryptocurrency or collectibles through the blockchain. All transfers in the TON blockchain require a network commission in Toncoin. For example, if you transfer Notcoin, you still need some Toncoin in your balance to pay the TON network fee.

To ensure successful transfers of NFTs or jettons from your DeFi Account, you need at least 1.05 Toncoin in your DeFi Account account for the TON network fee.

If you don’t have enough Toncoin in your balance, you can top up your DeFi Account in the following ways:

I received a deposit with a small amount of TON, what is it? How did someone get my address

This is likely a “dust” transaction.

“Dust” refers to a tiny amount of coins or tokens, sent by a group of people to various personal wallets, with an aim to deanonymize the owners of these wallets. Different bots exist, which monitor transactions on the blockchain and send dust to random wallets. Such bots do not need to know your data — after all, they send “dust” to any address that is active (and therefore visible) on the blockchain.

In order not to fall victim to a dusting attack:

  • Do not exchange “dust” via the blockchain and do not withdraw it
  • Do not click on unknown links
  • Do not connect your DeFi Account to suspicious apps and do not confirm any transactions in such apps.
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