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MPCVault Card vs Tuyo Card

MPCVault Card

Crypto native

6.6
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Tuyo Card

Crypto native

6.6
Get the card

Verdict

  • MPCVault Card and Tuyo Card have the same overall score (6.6/10).
  • MPCVault Card is clearly stronger on: Product features, Credit & financing, Transparency.
  • 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.

MPCVault Card is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders
  • Users who need credit rather than a debit/prepaid card

Stronger on: Product features, Credit & financing, Transparency

Tuyo Card is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders

Stronger on: FX & international

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

Why we recommend it

  • 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
  • 5.35% variable interest on your balanceConditions apply
  • No annual or monthly fee on the base tierConditions apply
  • Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
  • Self-custody: funds stay in your own walletConditions apply
Get the card
Review & sourcesMPCVault Card vs ether.fi CashTuyo Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionMPCVault CardTuyo Card
Fees100100
Cashback & rewards––
Availability––
FX & international2060
Product features7058
Custody & security8580
Credit & financing7530
Limits & ATM––
Transparency10086
Best for Travel5.16.4
Best for Self-Custody7.57.5
Best for DeFi Users7.56.7
Best for Stablecoins6.97.3
Best for High Spenders5.95.9
Best for Low Fees7.28.0
Best for Beginners7.87.2
Best Crypto Credit Card7.8n/a

Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.

Product

Product status

ActiveShow source
ActiveShow source

Card type

Crypto-backed creditConditions apply: tap or hover for detailsShow source

Credit card secured by digital-asset collateral in smart contracts

Stablecoin cardShow source

Network

VisaShow source
VisaShow source

Custody model

Self-custodyShow source
Self-custodyConditions apply: tap or hover for detailsShow source

Keys stay on the user's device

Card issuer / program manager

Third NationalShow source
third-party card issuer (unnamed)Show source

Fees

Annual fee

FreeShow source
FreeShow source

Monthly fee

No data yet
FreeShow source

Virtual card fee

$1Conditions apply: tap or hover for detailsShow source

per card

FreeShow source

FX fee

2%Conditions apply: tap or hover for detailsShow source

International Transaction fee 1.5%-2%

1%Conditions apply: tap or hover for detailsShow source

Up to ~1% FX spread on non-USD spend; no fee on USD transactions

Other fees & markups

KYB fee $10 USD per instance · Crypto deposit processing and gas fee: 3 U plus 0.5% of deposit · Transaction disputes fee $35 USD per chargeback case · Late payment: 2% of outstanding balance · Copying fee $10 per documentShow source
ATM operator fees and FX markups apply on top of the withdrawal amountShow source

Cashback & rewards

Cashback paid in

No data yet
TUYOs (points)Conditions apply: tap or hover for detailsShow source

Not tradable or transferable

Cashback type

No data yet
PointsConditions apply: tap or hover for detailsShow source

Rewards in TUYOs points; rates shown in app; seasonal multipliers (time-limited) until token launch

Cashback conditions

No data yet
TUYOs earned per dollar spent with the card; current rates only in the app · Seasonal multiplier boosts decline after each season down to baseline rates · TUYOs are not tradable nor transferableShow source

Credit & financing

Credit line

YesConditions apply: tap or hover for detailsShow source

collateralised by digital assets

NoShow source

Credit type

Crypto-backed creditShow source
No data yet

Interest (APR)

0%Show source
No data yet

Grace period

Payment due 21 days after close of each billing cycleShow source
No data yet

Liquidation risk

YesShow source
No data yet

Availability

Not available in

No data yet
AF, BD, BY, CN, CD, CU, India, IR, IQ, LB, LY, ML, MM, NP, Nigeria, KP, RU, SO, SS, SD, SY, Turkey, Ukraine, United Kingdom, VE, Vietnam, YEConditions apply: tap or hover for detailsShow source

Platform-wide prohibited jurisdictions (no wallet, Earn, ramps, card or bank-account services); card provider has additional restrictions

Account / spend currencies

USDCShow source
USD · EURShow source

Own IBAN / bank details

No data yet
YesConditions apply: tap or hover for detailsShow source

Type of account details depends on country of residence (CLABE, IBAN or US account/routing number)

Features

Apple Pay

YesConditions apply: tap or hover for detailsShow source

via Digital Wallet, if supported

YesShow source

Google Pay

YesConditions apply: tap or hover for detailsShow source

via Digital Wallet, if supported

YesShow source

Physical card

YesShow source
NoConditions apply: tap or hover for detailsShow source

Physical card announced as coming soon

Virtual card

No data yet
YesShow source

ATM withdrawals

No data yet
YesShow source

Spend stablecoins

YesShow source
YesShow source

Spendable assets

No data yet
USDCShow source

Blockchains

Ethereum · Polygon · Optimism · Arbitrum · SolanaConditions apply: tap or hover for detailsShow source

Supported Blockchains for collateral

BaseShow source

Limits

ATM limit

No data yet
$250Conditions apply: tap or hover for detailsShow source

Per withdrawal incl. ATM surcharge; up to three attempts per rolling 24 hours

Spending limit

No data yet
$50,000Conditions apply: tap or hover for detailsShow source

Daily; can rise to $100,000 and then $200,000 as total spending grows

Security & custody

Regulation / licences

NMLS# 2357870 · FinCEN ID 31000213664980Show source
No data yet

Smart-contract risk

YesShow source
No data yet

Annual cost at 1,500 EUR/month

MPCVault Card

  • Annual & monthly fees+0 EUR
  • FX costs−72 EUR
  • Crypto conversion–
  • ATM costsunknown
  • Cashbackunknown
  • Net annual valuenot enough data

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

More MPCVault Card comparisons

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