Trust has always been the currency of financial services, but for fintechs, it’s often in short supply. Recent research shows that fintech companies struggle with low trust ratings in 19 out of 28 countries, especially in Japan, the U.S., the UK, and parts of the EU.
This is where Telegram stands out. With its focus on privacy, security, and community-driven engagement, Telegram gives fintech brands a way to bridge the trust gap. In this article, Sofia Mozolkova, Head of Marketing at Magnetto, shares her expertise to help fintech teams turn Telegram into a reliable acquisition, activation, and retention engine.
Why Telegram is a Go-To Growth Channel for Fintech
Massive audience. Telegram passed 1 billion monthly active users in 2025, and every day over 2.5 million people join the app. Telegram is gaining ground in Asia, Africa, and Latin America, the regions that lead the shift to mobile banking and digital payments.
Crypto-oriented user base. According to Magnetto research, one in three Telegram users has used crypto. Among them, 16% are experienced hands, and 7% took their first steps with Toncoin. People here are already comfortable with wallets, tokens, and on-chain payments.
Security. Fintech users are highly sensitive about how their financial data is handled. Telegram is known for its strong encryption and focus on privacy, which gives fintech brands a solid starting point for building user trust. And that trust is essential when rolling out new products like digital wallets, payment tools, or investment platforms.
Highly engaged communities. Binance is nearing 5 million subscribers on its Announcements channel, OKX is closing in on 1 million, and Bybit is past 500,000. Finance users clearly prefer Telegram for quick, trusted updates.
Multiple ways to engage and convert fintech audiences. Channels, groups, bots, and mini apps allow brands to create tailored campaigns that suit different customer needs.
Now, let’s have a closer look at the Telegram tools that can boost your brand and how to use them effectively.
Top Telegram Tools to Grow Your Fintech Brand
Think of Telegram as more than a messaging app — it’s a full growth toolkit for fintech companies. And with the right strategy, it is possible to move people from curious visitors to loyal customers.
Channels
Channels are your broadcast feed for unlimited subscribers. You can educate users about new financial products, market trends, or investment strategies. This not only builds trust but also positions your brand as an authority in your niche.
Take Tonhub, a secure crypto wallet paired with a Visa card, as an example. At Magnetto, we helped Tonhub grow a Telegram channel that not only engages its audience but also converts followers into loyal users.
Groups
While channels are about one-way broadcasting, groups create two-way conversations. With up to 200,000 members, groups can spark discussions around personal finance, investment tips, or how people use their products. This kind of community builds trust and encourages organic word-of-mouth growth.
Telegram Bots
Telegram bots act like automated assistants that work around the clock. Companies that use AI chatbots achieve 23% more conversions compared to those that don’t.
These tools can help you:
- Save time and cut manual work. Chatbots automate repetitive tasks like answering FAQs, processing simple requests, or sending account updates.
- Reduce operational costs. Bots handle high-volume requests nonstop, so you don’t need oversized support teams or expensive channels like SMS.
- Keep customers happy. Quick, 24/7 responses make people feel heard and supported. When clients get the help they need instantly, they trust your brand more and stay engaged longer.
For fintech, bots can serve multiple roles: handling customer inquiries, sending account notifications, or offering real-time financial data. Trading apps, for instance, can deploy bots that deliver live market prices, daily summaries, and alerts for portfolio changes. Payment-focused brands can use bots to streamline onboarding, verify accounts, and even facilitate secure transactions within Telegram.
Telegram Mini Apps
Why send people to another app or website when you can meet them where they’re already active for more than 40 minutes a day? With mini apps, which have quickly become a daily habit for more than half a billion people, services like onboarding, payments, or trading happen right inside Telegram. In my previous article, I explored how fintech brands use mini apps to drive faster growth.
NAGA shows how powerful mini apps can be. Its ‘Everything Trading’ app lets users trade over 4,000 assets on Telegram, and in 2024, it attracted 8% of their new clients.
What makes Telegram mini apps so effective?
First, they remove friction from the customer journey. Everything happens inside the Telegram interface people already use daily. Second, these apps are highly interactive. They support smooth navigation, embedded forms, real-time updates, and even multimedia, which makes complex financial tasks such as completing KYC, running investment calculators, or executing trades fast and engaging.
On top of that, Telegram supports mini app ads that feel more like part of the experience than traditional promotions. A great example is task ads, where users complete small actions to earn rewards.
Telegram Influencer Marketing
Instagram, TikTok, and other mainstream social media platforms aren’t performing like they used to. Take Instagram, for example: its average engagement rate in 2025 is only 0.50%, down 28% compared to last year.
On Telegram, though, the trend is the opposite. Engagement inside channels is climbing, and users are far more active. Below is real engagement data from one of Telegram’s most popular crypto channels, with an audience of more than 11 million people:
Beyond just high engagement, Telegram channels give you something even more valuable: audience trust. And in financial services, trust is everything.
When an influencer with a loyal community recommends your product or service, it feels less like a disruptive ad and more like part of an ongoing conversation. It adds credibility, makes your brand feel authentic, and encourages audiences to click, sign up, or test a new tool.
Telegram Ads
With Telegram Ads, it is possible to promote your channel, bot, or mini app directly inside other relevant channels — even those run by your competitors — as well as within bots and Telegram Search. These ads can be up to 160 characters long and may include emojis (even custom ones), photos, or videos to catch the eye. Each ad also comes with a call-to-action button.
Telegram’s advertising model is based on CPM. Ads start at just 0.1 TON for every 1,000 views, which is less than 30 cents. Compare that to Facebook or Instagram, where you can pay $10 or more for the same reach. With such a low entry cost, advertising on Telegram is an efficient and targeted way to reach your audience and scale your client base.
Conclusion
Flexibility is what makes Telegram so powerful for fintech. You can broadcast updates, build communities, educate your audience, automate support, or even run full trading apps — all in one place. The best part? Competition is still light compared to traditional social platforms, so you can grow your community and become a go-to name in your niche before the market gets crowded.
Sofia Mozolkova
Head of marketing
