PGON combines a crypto wallet and payment service inside Telegram. Its balance can be used for SBP/NSPK QR payments in Russia, while a virtual Visa is available for foreign subscriptions. Crypto is converted inside the service at payment time.
Best for
Users who hold or receive USDT and want to spend it without a separate P2P exchange.
Payments at Russian stores and online services through SBP/NSPK QR codes.
ChatGPT, Netflix, Spotify, Canva, and other foreign subscriptions through a virtual Visa.
What to consider
KYC is required only for RUB top-ups. It is not needed for crypto funding or the main wallet features.
Current in-bot terms list a 5% QR payment fee with KYC and 15% without KYC.
Rates, fees, and limits may change, so check the final amount in the bot before confirming.