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Tria Card vs Tuyo Card

Tria Card

Crypto native

6.9
Get the card
Tuyo Card

Crypto native

6.7
Get the card

Verdict

  • Tria Card scores higher overall (6.9 vs 6.7 out of 10).
  • Tria 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.

Tria Card is a good fit for

  • People who want to keep control of their keys
  • Frequent travellers

Stronger on: FX & international

Tuyo Card is a good fit for

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

Score by criterion

CriterionTria CardTuyo Card
Fees100100
Cashback & rewards44–
Availability––
FX & international10060
Product features–80
Custody & security8080
Credit & financing–30
Limits & ATM––
Transparency8679
Best for Cashback6.0n/a
Best for Travel7.66.5
Best for Self-Custody7.77.6
Best for DeFi Users7.06.8
Best for Stablecoinsn/a7.5
Best for High Spenders6.56.0
Best for Low Fees9.07.9
Best for Beginners7.07.6

Product

Product status

ActiveShow source

Product status: Active

Source: Tria: Neofinance app to Trade, Earn and Spend Crypto. Self-Custodial.

Official product page (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

No data yet
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

VisaShow source

Network: Visa

Source: Tria: Neofinance app to Trade, Earn and Spend Crypto. Self-Custodial.

Official product page (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-custodyShow source

Custody model: Self-custody

Source states (paraphrased): Funds stay in the user's own wallet until the moment of purchase; Tria never takes custody.

Source: Tria: Neofinance app to Trade, Earn and Spend Crypto. Self-Custodial.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

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

No data yet
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

Virtual · Signature · PremiumShow source

Tiers / plans: Virtual · Signature · Premium

Source: Season 3 Membership and Cashback Updates

Official announcement (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

No data yet

Fees

Monthly fee

No data yet
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

No data yet
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

0%Show source

FX fee: 0%

Source states (paraphrased): 0% FX fees.

Source: Tria: Neofinance app to Trade, Earn and Spend Crypto. Self-Custodial.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 50%

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

Top-up fee

FreeShow source

Top-up fee: Free

Source states (paraphrased): No deposit fees.

Source: Tria: Neofinance app to Trade, Earn and Spend Crypto. Self-Custodial.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 50%

No data yet

Cashback & rewards

Base cashback

1.5%*Show source

Base cashback: 1.5%

Virtual tier, within a monthly spend cap ($100 or $1,000 — sources conflict)

Source: Season 3 Membership and Cashback Updates

Official announcement (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%

Virtual tier, within a monthly spend cap ($100 or $1,000 — sources conflict)

No data yet

Max cashback

6%*Show source

Max cashback: 6%

Premium tier, headline rate, monthly spend caps apply

Source: Season 3 Membership and Cashback Updates

Official announcement (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%

Premium tier, headline rate, monthly spend caps apply

No data yet

Cashback conditions

No data yet
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

No data yet
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

No data yet
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

No data yet
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 data yet
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

No data yet
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

No data yet
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%

Spendable assets

1,000+ tokens accepted for fundingShow source

Spendable assets: 1,000+ tokens accepted for funding

Source: Tria: Neofinance app to Trade, Earn and Spend Crypto. Self-Custodial.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

No data yet

Blockchains

No data yet
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

Tria Card

  • Annual & monthly feesunknown
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+270 EUR
  • 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 Tria Card comparisons

More Tuyo Card comparisons