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Unlike its competitor Signal, Telegram doesn't by default apply end-to-end encryption to messages, which prevents any message intercepted by a third party from being interpretable.
However, you can opt to have end-to-end encryption by using Telegram's "secret chat" option.
Despite the fact that end-to-end encryption isn't standard, Telegram says its two-chat system is the most secure solution for their widely-used app. It toggles between Cloud and Secret chats to protect all kinds of users, relying on a standard encrypted cloud storage system based on server-client encryption — called MTProto encryption.