Tontine Group's coins are TONs. (And have been since July/August last year)

Telegram's coins are GRAMs.

Tontine Group is raising a smaller amount of money than Telegram to solve a problem which is several times larger than the problem Telegram is planning to solve.

Tontine Group has low technical barriers compared to Telegram's plans.

Tontine Group is patend pending and has first mover advantage whereas Telegram is hoping that its network effects will allow it to dominate all of the other established wallet/payment providers and become the WeChat/WePay of the Western world.

Different ICOs, different propositions.

I am a big fan of Telegram messenger and recruit people to the platform every day. I could potentially see myself using it as a crypto wallet once the product is ready and the security credentials are audited.