How Telegram Wallets Are Making U.S. Equities Tradable 24/5 with On-Chain Tokenization

In October 2025, Telegram’s built-in crypto wallet made a seismic move in digital finance: users can now trade tokenized U. S. equities and ETFs directly inside the app. This is more than just another feature roll-out. It’s a paradigm shift that signals how on-chain tokenization is breaking down the walls of Wall Street and opening up American stocks to a global audience, 24 hours a day, five days a week.

How Telegram Wallets Are Bridging Traditional and Blockchain Markets

Telegram’s integration with Kraken and Backed Finance AG brings over 60 tokenized U. S. stocks, including titans like Apple, Tesla, and Nvidia, into the hands of anyone with a Telegram account. The rollout began with 35 assets but is on track to surpass 60 by year-end. Each digital share is fully collateralized on a 1: 1 basis, meaning every token represents actual ownership of its corresponding equity. This isn’t synthetic exposure; it’s blockchain-powered access to real-world assets.

The implications are profound for both retail investors in emerging markets and seasoned traders seeking flexibility beyond rigid legacy infrastructure. By embedding trading within an app used by hundreds of millions globally, Telegram Wallet sidesteps traditional brokerage restrictions, KYC bottlenecks, and timezone barriers that have historically kept U. S. equities out of reach for much of the world.

Tokenization: Unlocking 24/5 Trading for U. S. Equities

The real innovation lies in the trading hours. While traditional exchanges like NYSE or NASDAQ operate from 9: 30am to 4pm EST on weekdays, tokenized stocks in Telegram Wallet are tradable around the clock, 24 hours per day, five days per week. This extended window mirrors crypto market dynamics and caters to a new generation of investors who expect seamless access at any hour.

This is possible because each tokenized share exists as an on-chain asset, typically issued as ERC-20 tokens or similar standards, backed by custodial holdings managed by partners like Backed Finance AG. Settlement occurs instantly on-chain, eliminating clearing delays and drastically reducing counterparty risk.

Democratizing Access: Emerging Markets Take Center Stage

The initial focus for this rollout isn’t Wall Street insiders, it’s retail investors in emerging markets who have historically faced steep barriers to U. S. equity exposure. Whether due to restrictive local regulations, lack of access to foreign brokerages, or prohibitive minimum deposits, millions have been locked out of participating in America’s corporate growth story.

Telegram Wallet’s commission-free trading (until end-2025) further lowers the bar for entry. Users can buy fractional shares, a few dollars’ worth of Tesla or Nvidia, instead of full lots that may be out of reach for many portfolios. This granular access could be transformative for wealth-building across developing economies.

The Mechanics: Security, Collateralization and Transparency

Security is paramount when dealing with real-world assets on-chain. Every tokenized stock offered through Telegram Wallet is fully collateralized at a one-to-one ratio with the underlying security held by regulated custodians such as Backed Finance AG or Kraken affiliates. This structure ensures that tokens aren’t just IOUs, they’re claims on actual equities held in trust accounts.

Transparency is built into the system through public blockchain records and regular audits from third-party firms, a sharp contrast to opaque legacy settlement systems where share ownership can take days (or even weeks) to reconcile after trades clear.

For investors, this means unprecedented reassurance that their on-chain shares are backed by real-world assets, not merely synthetic derivatives. The model also supports fractional ownership, allowing users to purchase as little as 0.01 of a share, making blue-chip stocks like Apple or Nvidia accessible even to those with modest capital.

Another key advantage is the elimination of cross-border friction. Users in Latin America, Southeast Asia, Africa, and beyond can now access U. S. equities without navigating the labyrinth of international banking, paperwork, or FX conversion fees. The Telegram Wallet model is a blueprint for how tokenized finance can truly globalize investment opportunity.

What’s Next: The Road Ahead for Tokenized Equities

The current rollout is just the beginning. As regulatory clarity improves and more custodians enter the market, expect both the number and diversity of tokenized assets to expand, think S and P 500 stocks, sector ETFs, and even on-chain dividend payouts. Kraken’s xStocks infrastructure and BackedFi’s regulatory compliance are positioning Telegram as a hub for next-generation equity trading.

Liquidity will be another area to watch. With millions of Telegram users able to trade peer-to-peer at any time during the 24/5 window, order books could become deeper and tighter than in many regional exchanges, especially for high-demand names like Tesla or Apple. This could create new price discovery dynamics that ripple back into traditional markets.

Risks and Considerations: Navigating a New Financial Frontier

No innovation comes without risk. Tokenized equities depend on robust custody solutions and transparent audits; any breach or regulatory misstep could undermine trust in the system. Jurisdictional uncertainty remains an ongoing challenge, while emerging markets benefit from easier access, local regulations may still limit participation or complicate withdrawals.

Investors should also be mindful of liquidity during off-market hours. While 24/5 trading provides flexibility, it also exposes participants to volatility when underlying markets are closed and fewer market makers are active.

The Bottom Line: Tokenization Is Redefining Equity Access

The arrival of Telegram tokenized stocks via Kraken xStocks and BackedFi is more than a technical upgrade, it’s a structural reimagining of how equities can be owned and traded globally. By fusing blockchain transparency with real-world collateralization and embedding it all inside an everyday messaging app, this model tears down long-standing barriers between traditional finance and Web3.

If you want to dive deeper into how tokenization is making markets truly borderless, and what this means for your portfolio, explore our detailed breakdown here: How Tokenized Stocks Enable 24/7 Trading: The Rise of On-Chain Equities in Crypto Wallets.