Tuyo Card
Virtual Visa card from the Tuyo app that spends USDC on Base, including USDC that sits in an Earn strategy. Instead of a fixed cashback rate, Tuyo may cover all or part of a purchase at its own discretion.
Base cashback
Max cashback
Base fee
FreeShow source
Annual fee: Free
Source states (paraphrased): Tuyo Card has no issuance, monthly or yearly fee.
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
FX fee
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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
ATM fee
Card fee
FreeShow source
Virtual card fee: Free
Source states (paraphrased): No issuance fee.
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
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%
Staking needed
Tap a value for its source. * = conditions apply.
At a glance
Pros
- No annual or monthly fee on the base tier
- Self-custody: funds stay in your own wallet
- Apple Pay and Google Pay
- Spends stablecoins directly
Cons
- No physical card
Good for
- People who want to keep control of their keys
- Stablecoin holders
Not for
Not enough data to say.
Risks to understand
- Stablecoins can de-peg and are not covered by deposit protection.
- Self-custody: losing your keys or signing a malicious transaction can mean losing funds.
- Smart-contract and bridge risk applies to on-chain balances.
All details
Fees5/15
- Annual fee
FreeShow source
Annual fee: Free
Source states (paraphrased): Tuyo Card has no issuance, monthly or yearly fee.
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
- Monthly fee
FreeShow source
Monthly fee: Free
Source states (paraphrased): No monthly fee.
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
- 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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
- FX fee
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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Up to ~1% FX spread on non-USD spend; no fee on USD transactions
- Other fees & markups
ATM operator fees and FX markups apply on top of the withdrawal amountShow source
Other fees & markups: ATM operator fees and FX markups apply on top of the withdrawal amount
Source states (paraphrased): ATM withdrawal fees and FX markups depend entirely on the ATM operator or the bank that owns the machine.
Source: ATM withdrawals | Tuyo Guides
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Not yet researched: Physical card fee, Replacement fee, Crypto conversion fee, Top-up fee, Crypto withdrawal fee, ATM fee, Free ATM allowance, Transfer fee, Settlement fee, Small transaction fee.
Cashback & rewards3/14
- Cashback paid in
TUYOs (points)*Show source
Cashback paid in: TUYOs (points)
Not tradable or transferable
Source states (paraphrased): Get TUYOs with every dollar you spend with the Tuyo Card.
Source: TUYOs | Tuyo Help Center
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Not tradable or transferable
- Cashback type
Points*Show source
Cashback type: Points
Rewards in TUYOs points; rates shown in app; seasonal multipliers (time-limited) until token launch
Source states (paraphrased): TUYOs are points in our rewards program and are not a cryptocurrency token.
Source: TUYOs | Tuyo Help Center
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Rewards in TUYOs points; rates shown in app; seasonal multipliers (time-limited) until token launch
- 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
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 transferable
Source states (paraphrased): Find current reward rates in the app.
Source: TUYOs | Tuyo Help Center
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Not yet researched: Base cashback, Max cashback, Interest on balance, Cashback-eligible spend cap, Max cashback per month, Staking / holding required for top rewards, Staking asset, Capital required for top rewards, Minimum balance, Reward expiry / vesting, Reward exclusions.
Credit & financing1/11
- 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%
Not yet researched: Credit type, Collateral assets, Max loan-to-value, Interest (APR), Interest notes, Grace period, Repayment, Liquidation risk, Spend own balance directly, Spend by borrowing against collateral.
Supported countries & currencies3/4
- 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, YE*Show source
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, YE
Platform-wide prohibited jurisdictions (no wallet, Earn, ramps, card or bank-account services); card provider has additional restrictions
Source states (paraphrased): if a country is listed here, users from that country cannot access Tuyo wallet, Earn, ramps, card, or virtual bank-account services
Source: Tuyo availability | Tuyo Guides
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Platform-wide prohibited jurisdictions (no wallet, Earn, ramps, card or bank-account services); card provider has additional restrictions
- Account / spend currencies
USD · EURShow source
Account / spend currencies: USD · EUR
Source states (paraphrased): USD and EUR account numbers in your name.
Source: Tuyo – Send, Spend, Earn USDC (App Store)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
- Own IBAN / bank details
Yes*Show source
Own IBAN / bank details: Yes
Type of account details depends on country of residence (CLABE, IBAN or US account/routing number)
Source states (paraphrased): Get account details in your name: a CLABE, an IBAN, or an account and routing number, depending on where you live.
Source: Tuyo – Send, Spend, Earn USDC (App Store)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Type of account details depends on country of residence (CLABE, IBAN or US account/routing number)
Not yet researched: Available in.
Features, wallets & supported assets8/11
- Apple Pay
YesShow source
Apple Pay: Yes
Source: Tuyo Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
- Google Pay
YesShow source
Google Pay: Yes
Source: Tuyo Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
- Physical card
No*Show source
Physical card: No
Physical card announced as coming soon
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Physical card announced as coming soon
- Virtual card
YesShow source
Virtual card: Yes
Source: Tuyo Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
- ATM withdrawals
YesShow source
ATM withdrawals: Yes
Source states (paraphrased): At a Visa ATM, choose Credit and enter your PIN.
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
- Spend stablecoins
YesShow source
Spend stablecoins: Yes
Source: Tuyo Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
- Spendable assets
USDCShow source
Spendable assets: USDC
Source states (paraphrased): gas station holds on your USDC card
Source: Tuyo – Send, Spend, Earn USDC (App Store)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
- Blockchains
BaseShow source
Blockchains: Base
Source states (paraphrased): you need USDC on the Base network
Source: Tuyo card availability | Tuyo Guides
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Not yet researched: Airport lounge access, Travel / rental car insurance, Purchase protection.
Security & custody0/3
No security & custody data published or researched yet.
Limits2/2
- ATM limit
$250*Show source
ATM limit: $250
Per withdrawal incl. ATM surcharge; up to three attempts per rolling 24 hours
Source states (paraphrased): The limit is $250 per withdrawal, including the ATM surcharge
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Per withdrawal incl. ATM surcharge; up to three attempts per rolling 24 hours
- Spending limit
$50,000*Show source
Spending limit: $50,000
Daily; can rise to $100,000 and then $200,000 as total spending grows
Source states (paraphrased): New cards have a daily spending limit of up to $50,000.
Source: Everything about Tuyo
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Daily; can rise to $100,000 and then $200,000 as total spending grows
Product5/7
- Product status
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
VisaShow source
Network: Visa
Source states (paraphrased): Visa card accepted at 175M+ merchants.
Source: Tuyo Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
- 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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Not yet researched: Launch date, Tiers / plans.
Our rating
| Criterion | Weight | Score |
|---|---|---|
Fees Base-tier subscription ≈ €0/year | 20% | 100 |
Cashback & rewards | 20% | No data — excluded |
Availability | 15% | No data — excluded |
FX & international FX fee 1% | 10% | 60 |
Product features 5 of 6 known features available · 0 of 3 perks (lounge, travel insurance, purchase protection) | 10% | 58 |
Custody & security Custody model: self custody | 10% | 80 |
Credit & financing No credit line | 5% | 30 |
Limits & ATM | 5% | No data — excluded |
Transparency 5 of 5 checked key terms disclosed · 3 contradiction(s) between official sources | 5% | 79 |
Data coverage 60%. Criteria without published data are excluded and their weight is filled with a neutral midpoint, so missing data neither helps nor hurts a card. This score is provisional: it is based on initial research that our research agent has not yet re-verified.
Computed by a fixed formula; affiliate relationships have no influence. How we score
FAQ
Does Tuyo Card have an annual or monthly fee?
Base tier: Free. Source: Everything about Tuyo.
What is the FX fee of Tuyo Card?
1% (Up to ~1% FX spread on non-USD spend; no fee on USD transactions). Source: Everything about Tuyo.
Is Tuyo Card a credit card?
No. It is a stablecoin card; you spend your own balance.
Is Tuyo Card self-custodial?
Self-custody (Keys stay on the user's device).
Does Tuyo Card work with Apple Pay and Google Pay?
Apple Pay: Yes. Google Pay: Yes.
Change history32 entries
- 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')"] → ["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 transferable"] · 24 October 2026 · approved
- Cashback paid in not disclosed → "TUYOs (points)" · 24 October 2026 · approved
- Cashback type not disclosed → "points" · 24 October 2026 · approved
- Other fees & markups ["1% card-provider fee on purchases outside the US, on top of the 1% FX fee (up to 2% combined)","Trading/conversion volume fee 0.25% or network fee, whichever is greater (stablecoin swaps and bridging exempt from the volume fee)"] → ["ATM operator fees and FX markups apply on top of the withdrawal amount"] · 24 October 2026 · approved
- Not available in ["GB"] → ["AF","BD","BY","CN","CD","CU","IN","IR","IQ","LB","LY","ML","MM","NP","NG","KP","RU","SO","SS","SD","SY","TR","UA","GB","VE","VN","YE"] · 24 October 2026 · approved
- Blockchains ["Base","Ethereum","Arbitrum","BNB Smart Chain","Polygon"] → ["Base"] · 24 October 2026 · auto-approved
- Spendable assets not disclosed → ["USDC"] · 23 October 2026 · approved
- Account / spend currencies not disclosed → ["USD","EUR"] · 23 October 2026 · approved
- Own IBAN / bank details not disclosed → true · 23 October 2026 · approved
- Blockchains ["Base"] → ["Base","Ethereum","Arbitrum","BNB Smart Chain","Polygon"] · 23 October 2026 · approved
- ATM withdrawals not disclosed → true · 23 October 2026 · approved
- ATM limit not disclosed → {"amount":250,"currency":"USD"} · 23 October 2026 · approved
- Not available in not disclosed → ["GB"] · 23 October 2026 · approved
- Spending limit not disclosed → {"amount":50000,"currency":"USD"} · 23 October 2026 · approved
- Other fees & markups not disclosed → ["1% card-provider fee on purchases outside the US, on top of the 1% FX fee (up to 2% combined)","Trading/conversion volume fee 0.25% or network fee, whichever is greater (stablecoin swaps and bridging exempt from the volume fee)"] · 23 October 2026 · approved
- Annual fee not disclosed → {"amount":0,"currency":"USD"} · 23 October 2026 · approved
- Product status recorded · 22 October 2026 · auto-approved
- Credit line recorded · 22 October 2026 · auto-approved
- Blockchains recorded · 22 October 2026 · auto-approved
- Spend stablecoins recorded · 22 October 2026 · auto-approved
- Physical card recorded · 22 October 2026 · auto-approved
- Virtual card recorded · 22 October 2026 · auto-approved
- Google Pay recorded · 22 October 2026 · auto-approved
- Apple Pay recorded · 22 October 2026 · auto-approved
- Cashback conditions recorded · 22 October 2026 · auto-approved