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How Qardex keeps your account safe

Qardex is a custodial wallet: Qardex holds the keys, and your Telegram account is the way in. Here is what that means and what protects your balance.

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Custodial, not self-custody

Qardex keeps one master key on its servers and derives every user’s deposit addresses from it — the same model a crypto exchange uses. Balances are recorded on Qardex’s ledger.

The upside: there is no seed phrase for you to write down, store or lose. The trade-off: you trust Qardex with your assets. Keep in Qardex only what you are comfortable holding with a service. Qardex is not a bank, and balances are not covered by deposit insurance.

What protects your account

  • Telegram sign-inThere is no separate password to leak: you sign in with your Telegram account.
  • Passcode on money actionsWith a passcode set, Qardex asks for it before withdrawals, swaps and trades. Five wrong attempts lock it for five minutes. The passcode is stored only as a salted hash.
  • Withdrawals checked by a personEvery withdrawal is processed by the Qardex team, and you can cancel it while it is pending.

Four habits that keep your wallet safe

  1. Turn on two-step verificationIn Telegram: Settings → Privacy and Security → Two-Step Verification.
  2. Set a Qardex passcodeIn your profile inside the app.
  3. Never share codesQardex support never asks for your Telegram login code or your passcode.
  4. Open Qardex only from @qardexbotCheck the bot username before you tap Open.

Questions and answers

Yes. Qardex holds the keys and manages balances on its ledger, like an exchange. Users never get a seed phrase.

No. The passcode is stored only as a salted hash, so the digits themselves are not kept anywhere.

They could open your wallet — which is why Telegram two-step verification and a Qardex passcode matter: the passcode is asked again before any money moves.

No. Qardex is a custodial wallet service. Balances are not bank deposits and are not covered by deposit insurance.

Keep reading

Wallet

Receive and send USDT, USDC, BTC, ETH, TRX and BNB inside Telegram. Networks, minimum deposits, withdrawal fees and confirmations in one table.

Swap

Swap USDT, USDC, BTC, ETH, TON, TRX and BNB inside Telegram with a 0% fee, at the live market rate shown before you confirm. Minimum swap: $1.

US stocks

Trade 85 US stocks — Apple, Tesla, NVIDIA and more — with USDT inside Telegram, at live prices during US market hours. How it works and the risks.

Long / Short

Open Long or Short positions on crypto with up to 100× leverage and on US stocks with up to 10×, inside Telegram. How margin and liquidation work.

Fees

Every Qardex fee in one place: 0% on swaps, free deposits, network fees on withdrawals, no commission on US stock trades or Long/Short positions.

FAQ

Answers about Qardex: custody and security, deposits and networks, swaps, US stocks, Long/Short positions and fees — in plain words.

About

Qardex in plain facts: a custodial wallet inside Telegram with 0% swaps, 85 US stocks and Long/Short positions, in 11 languages — and what it is not.

Ready to take control of your crypto?

Open Qardex inside Telegram and get your wallet set up in under a minute — no downloads, no seed phrase to write down on paper.

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