Tuyo
Tuyo is a self-custody app whose Visa card spends USDC on Base, including USDC parked in its Earn product. The card is free to issue and keep with no fee on USD payments; it has no ATM access or PIN, and the physical card is still coming.
- Visa
- Apple Pay
- Google Pay
- KYC required
- Virtual card
- Self-custody
Good
- Free to issue and keep; no fee on USD payments
- Self-custody; spends USDC directly, including Earn balances
- Apple Pay and Google Pay
- Daily limit of $10,000 that grows with history
Watch out
- No cashback
- No ATM withdrawals and no PIN
- Physical card not available yet
- Not for UK residents; no country list
Key facts
- Card price
- Freevirtual
- Cashback
- 0%no cashback
- Annual fee
- Free
- Top-up fee
- Free
- FX fee
- Spread up to 1%
- Daily spend limit
- $10,000
Rewards
| Cashback | 0% (no cashback) |
|---|
Perks
- Buy Now, Pay Maybe: Tuyo may cover part of some payments (not in all US states)
- Earn: up to 11% APY, not guaranteed
Fees, limits and card details
| Virtual card | Free |
|---|---|
| Monthly fee | Free |
| Annual fee | Free |
| Per purchase | FreeUSD payments |
| Foreign currency (FX) | Spread up to 1% |
| Top-up | FreeConverting to Base USDC inside Tuyo is free |
| Trading | 0.25% or the network fee |
| Earn | 10% of the yield |
| Spending, per day | $10,000Grows with account history |
|---|
- ATM withdrawals and PIN are not supported.
| Provider | Tuyo, with Rain (card issuing) and Bridge Ventures (accounts) |
|---|---|
| Network | Visa |
| Custody | Self-custody |
| Formats | Virtual cardThe physical card is marked as coming on the card page, though the home page shows one. |
| Currencies | USD |
| Issuer | Not disclosedIssued by partners through Rain; fiat and virtual bank numbers by Bridge Ventures. |
| Programme manager | Rain (Signify Holdings) |
| Wallets | Apple Pay: Yes; Google Pay: Yes |
| Launched | February 2025 |
| Required | KYC required |
|---|
- Common rejections: blurry photos and unsupported occupation codes. If rejected, you can still withdraw your funds.
Official links
Availability
Not available
United Kingdom.
Other countries are unknown: the provider does not publish a full list.
No country list is published.
Supported cryptocurrencies
- USDC
Supported networks
- Base
- Ethereum
- Arbitrum
- Optimism
- BNB Chain
- Polygon
- The card spends USDC on Base; deposits and withdrawals on the other networks (the two official pages differ slightly).
Community review
App Store
4.3 out of 5 from 130 ratings
App: Tuyo: Your Money Companion
Our rating
5.4 out of 10
| Criterion | Weight | Score | Points |
|---|---|---|---|
| Fees | 28% | 8.6 | 2.41 |
| Cheapest card$0 | 20% | 10.0 | |
| Yearly cost$0 | 20% | 10.0 | |
| Top-up cost0% | 20% | 10.0 | |
| Cost per purchase0% | 15% | 10.0 | |
| FX cost1% | 15% | 6.0 | |
| ATM costUnknown | 10% | 2.0 | |
| Rewards | 18% | 0.8 | 0.14 |
| Cashback at $1,000 a month0% | 75% | 0.0 | |
| Reward currencyNo cashback | 15% | 0.0 | |
| Perks2 | 10% | 7.5 | |
| Availability | 14% | 4.4 | 0.62 |
| CountriesUnknown | 70% | 2.0 | |
| Apple Pay and Google Pay10 of 10 | 30% | 10.0 | |
| Limits | 7% | 3.4 | 0.24 |
| Spending capacity a day$10,000 | 70% | 4.0 | |
| Cash a dayUnknown | 30% | 2.0 | |
| Custody | 7% | 10.0 | 0.70 |
| Track record | 7% | 5.6 | 0.39 |
| Age20 months | 50% | 6.0 | |
| IssuerNot named | 30% | 2.0 | |
| IncidentsNone | 20% | 10.0 | |
| Data completeness | 6% | 8.0 | 0.48 |
| KYC and privacy | 5% | 4.0 | 0.20 |
| Networks and coins | 5% | 2.8 | 0.14 |
| Networks6 | 50% | 5.6 | |
| Coins1 | 50% | 0.0 | |
| App ratings | 3% | 4.2 | 0.13 |
| Total | 100% | 5.44 = 5.4 |
Each criterion is scored 0 to 10, rounded to 0.1, then multiplied by its weight. Unknown values score 2.
Questions
How much does the Tuyo card cost?
Getting a Tuyo card is free. Annual fee: Free. Top-up fee: Free.
Does Tuyo pay cashback?
No, Tuyo does not pay cashback.
Does Tuyo require KYC?
Yes, Tuyo requires identity verification before you get the card. Common rejections: blurry photos and unsupported occupation codes. If rejected, you can still withdraw your funds.
Can I add Tuyo to Apple Pay or Google Pay?
Yes, Tuyo works with Apple Pay and Google Pay.
Which coins and networks can I use to top up Tuyo?
Coins: USDC. Networks: Base, Ethereum, Arbitrum, Optimism, BNB Chain, Polygon.
What are the Tuyo spending limits?
Per day: $10,000.
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Before you order
The Order card button is an affiliate link: we may earn a commission if you sign up. It does not change the rating or the order of the catalog.
This page is not financial advice. Terms change often; check fees, limits and availability with the provider before you order.
How we rate cards: methodology. How we earn money: affiliate disclosure.
Sources
- Apple App Store listing
- Official website, card page and FAQ
- PaymentScan
Figures are taken from these sources in this order of priority: the provider's own pages, then DefiLlama, then other reviews, then Telegram reports.