Verdict
- Tuyo Card scores higher overall (6.7 vs 4.8 out of 10).
- Tuyo Card is clearly stronger on: FX & international.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Curve Pay is a good fit for
- No specific audience can be derived from the published data yet.
Tuyo Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: FX & international
Score by criterion
| Criterion | Curve Pay | Tuyo Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | 3 | – |
| Availability | – | – |
| FX & international | 0 | 60 |
| Product features | – | 80 |
| Custody & security | – | 80 |
| Credit & financing | – | 30 |
| Limits & ATM | 60 | – |
| Transparency | 86 | 79 |
| Best for Cashback | 3.4 | n/a |
| Best for Travel | 3.9 | 6.5 |
| Best for Self-Custody | n/a | 7.6 |
| Best for DeFi Users | n/a | 6.8 |
| Best for Stablecoins | n/a | 7.5 |
| Best for High Spenders | 3.4 | 6.0 |
| Best for Low Fees | 6.7 | 7.9 |
| Best for Beginners | 6.3 | 7.6 |
| Best E-Money Card | 5.6 | n/a |
Product
Product status
ActiveShow source
Product status: Active
Source: Fees – Curve Help Centre
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
ActiveShow source
Product status: Active
Source: Tuyo Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card type
Stablecoin cardShow source
Card type: Stablecoin card
Source: Tuyo Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Network
MastercardShow source
Network: Mastercard
Source states (paraphrased): Fees charged on top of the Mastercard rate.
Source: Fees – Curve Help Centre
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
VisaShow source
Network: Visa
Source states (paraphrased): Visa card accepted at 175M+ merchants.
Source: Tuyo Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Custody model
Self-custody*Show source
Custody model: Self-custody
Keys stay on the user's device
Source: Tuyo – Send, Spend, Earn USDC (App Store)
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 50%
Keys stay on the user's device
Card issuer / program manager
Signify Holdings, Inc. (Rain)Show source
Card issuer / program manager: Signify Holdings, Inc. (Rain)
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Tiers / plans
Curve Pay (free) · Curve Pay X £5.99/mo · Curve Pay Pro £9.99/mo · Curve Pay Pro+ £17.99/moShow source
Tiers / plans: Curve Pay (free) · Curve Pay X £5.99/mo · Curve Pay Pro £9.99/mo · Curve Pay Pro+ £17.99/mo
Source: What Curve Pay subscription plans are available?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Fees
Monthly fee
Free*Show source
Monthly fee: Free
Curve Pay (free plan)
Source: What Curve Pay subscription plans are available?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Curve Pay (free plan)
FreeShow source
Monthly fee: Free
Source states (paraphrased): No monthly fee.
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Virtual card fee
FreeShow source
Virtual card fee: Free
Source states (paraphrased): No issuance fee.
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
FX fee
2.99%*Show source
FX fee: 2.99%
Free plan above £250/month fee-free FX; paid plans £3,333–£100,000 fee-free
Source: Fees – Curve Help Centre
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Free plan above £250/month fee-free FX; paid plans £3,333–£100,000 fee-free
1%*Show source
FX fee: 1%
Up to ~1% FX spread on non-USD spend; no fee on USD transactions
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Up to ~1% FX spread on non-USD spend; no fee on USD transactions
ATM fee
2% (min. £2)*Show source
ATM fee: 2% (min. £2)
No free allowance on the free plan; X £300, Pro £500, Pro+ £1,000 per month
Source: Fees – Curve Help Centre
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
No free allowance on the free plan; X £300, Pro £500, Pro+ £1,000 per month
Other fees & markups
+1.5% on weekend FX spending (free plan) · 1.5% per transaction on commercial cards · 2.9% when funding through an international payment card above the allowanceShow source
Other fees & markups: +1.5% on weekend FX spending (free plan) · 1.5% per transaction on commercial cards · 2.9% when funding through an international payment card above the allowance
Source: Fees – Curve Help Centre
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback & rewards
Base cashback
0%*Show source
Base cashback: 0%
Free plan
Source: What Curve Pay subscription plans are available?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Free plan
Max cashback
1%*Show source
Max cashback: 1%
Paid plans: on non-European/non-UK currency spend (X) or selected retailers (Pro/Pro+, capped £25/£50 per month)
Source: Curve Cashback & Rewards
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Paid plans: on non-European/non-UK currency spend (X) or selected retailers (Pro/Pro+, capped £25/£50 per month)
Cashback type
FiatShow source
Cashback type: Fiat
Source: Curve Cashback & Rewards
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback conditions
No fixed cashback rate · Tuyo may cover all or part of a purchase at its own discretion ('Your next purchase may be free')Show source
Cashback conditions: No fixed cashback rate · Tuyo may cover all or part of a purchase at its own discretion ('Your next purchase may be free')
Source: Tuyo — Your next purchase may be free
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Credit & financing
Credit line
NoShow source
Credit line: No
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Features
Apple Pay
YesShow source
Apple Pay: Yes
Source: Tuyo Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Google Pay
YesShow source
Google Pay: Yes
Source: Tuyo Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Physical card
No*Show source
Physical card: No
Physical card announced as coming soon
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Physical card announced as coming soon
Virtual card
YesShow source
Virtual card: Yes
Source: Tuyo Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Spend stablecoins
YesShow source
Spend stablecoins: Yes
Source: Tuyo Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Blockchains
BaseShow source
Blockchains: Base
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Annual cost at 1,500 EUR/month
Curve Pay
- Annual & monthly fees+0 EUR
- FX costs−108 EUR
- Crypto conversion–
- ATM costs−28 EUR
- Cashback+0 EUR
- Net annual value-136 EUR
Tuyo Card
- Annual & monthly fees+0 EUR
- FX costs−36 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers