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Tuyo Card vs XPlace Card

Tuyo Card

Crypto native

6.6
Get the card
XPlace Card

Crypto native

6.6
Get the card

Verdict

  • Tuyo Card and XPlace Card have the same overall score (6.6/10).
  • XPlace Card is clearly stronger on: Product features, Credit & financing, Transparency.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Tuyo Card is a good fit for

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

XPlace 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

★ 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 & sourcesTuyo Card vs ether.fi CashXPlace Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionTuyo CardXPlace Card
Fees100100
Cashback & rewards–36
Availability––
FX & international60–
Product features5870
Custody & security8080
Credit & financing3075
Limits & ATM––
Transparency86100
Best for Cashbackn/a5.6
Best for Travel6.4n/a
Best for Self-Custody7.57.3
Best for DeFi Users6.77.2
Best for Stablecoins7.37.1
Best for High Spenders5.95.8
Best for Low Fees8.08.0
Best for Beginners7.27.7
Best Crypto Credit Cardn/a7.6

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
ActiveConditions apply: tap or hover for detailsShow source

Silver physical cards live; Gold and Platinum physical cards coming soon

Card type

Stablecoin cardShow source
Debit card, Crypto-backed creditShow source

Network

VisaShow source
VisaShow source

Custody model

Self-custodyConditions apply: tap or hover for detailsShow source

Keys stay on the user's device

Self-custodyShow source

Card issuer / program manager

Signify Holdings, Inc. (Rain)Show source
Third National; programme managed by Signify Holdings, Inc. (Rain)Show source

Tiers / plans

No data yet
Basic (free) · Silver ($99/year) · Gold ($249/year) · Platinum ($999/year)Show source

Fees

Annual fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

Basic plan; Silver $99, Gold $249, Platinum $999 a year

Monthly fee

FreeShow source
No data yet

Virtual card fee

FreeShow source
No data yet

FX fee

1%Conditions apply: tap or hover for detailsShow source

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

No data yet

Other fees & markups

ATM operator fees and FX markups apply on top of the withdrawal amountShow source
No data yet

Cashback & rewards

Base cashback

No data yet
0.5%Conditions apply: tap or hover for detailsShow source

Basic plan, Credit Mode

Max cashback

No data yet
2%Conditions apply: tap or hover for detailsShow source

Platinum plan ($999/year), Credit Mode

Cashback paid in

TUYOs (points)Conditions apply: tap or hover for detailsShow source

Not tradable or transferable

USDCShow source

Cashback type

PointsConditions apply: tap or hover for detailsShow source

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

StablecoinShow source

Interest on balance

No data yet
6.15%Conditions apply: tap or hover for detailsShow source

Variable vault APY via Kamino Finance (Solana vault; USDT 3.26%, BTC 5.43%)

Cashback conditions

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
Rates apply to Credit Mode: Basic 0.5%, Silver 1%, Gold 1.5%, Platinum 2%Show source

Credit & financing

Credit line

NoShow source
YesShow source

Credit type

No data yet
Crypto-backed creditShow source

Collateral assets

No data yet
BTC · ETH · SOL · JitoSOL · USDT · Tokenized stocksShow source

Max loan-to-value

No data yet
80%Conditions apply: tap or hover for detailsShow source

Tether vault; SOL and BTC 65%, ETH 70%

Liquidation risk

No data yet
YesShow source

Spend own balance directly

No data yet
YesShow source

Spend by borrowing against collateral

No data yet
YesShow source

Availability

Not available in

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

No data yet

Account / spend currencies

USD · EURShow source
No data yet

Own IBAN / bank details

YesConditions apply: tap or hover for detailsShow source

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

No data yet

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

NoConditions apply: tap or hover for detailsShow source

Physical card announced as coming soon

YesConditions apply: tap or hover for detailsShow source

Silver plan; Gold and Platinum coming soon

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
No data yet

Spend stablecoins

YesShow source
YesShow source

Airport lounge access

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

Basic plan; Silver 1, Gold 4 visits a year, Platinum unlimited

Spendable assets

USDCShow source
BTC (cbBTC) · ETH (wETH) · SOL · JitoSOL · USDC · USDT · xStocks (tokenized equities)Show source

Blockchains

BaseShow source
SolanaShow source

Limits

ATM limit

$250Conditions apply: tap or hover for detailsShow source

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

No data yet

Spending limit

$50,000Conditions apply: tap or hover for detailsShow source

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

$2,000Conditions apply: tap or hover for detailsShow source

Per month, Basic plan; up to $750,000 on Platinum

Annual cost at 1,500 EUR/month

Tuyo Card

  • Annual & monthly fees+0 EUR
  • FX costs−36 EUR
  • Crypto conversion–
  • ATM costsunknown
  • Cashbackunknown
  • Net annual valuenot enough data

XPlace Card

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+90 EUR
  • Net annual valuenot enough data

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More Tuyo Card comparisons

More XPlace Card comparisons