Verdict
- Tuyo Card scores higher overall (6.5 vs 5.5 out of 10).
- RedotPay is clearly stronger on: Product features, Credit & financing, Transparency.
- Tuyo Card is clearly stronger on: Fees.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
RedotPay is a good fit for
- 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: Fees
Score by criterion
| Criterion | RedotPay | Tuyo Card |
|---|---|---|
| Fees | 86 | 100 |
| Cashback & rewards | 12 | – |
| Availability | – | – |
| FX & international | 52 | 60 |
| Product features | 70 | 58 |
| Custody & security | – | 80 |
| Credit & financing | 70 | 30 |
| Limits & ATM | 60 | – |
| Transparency | 93 | 79 |
| Best for Cashback | 4.0 | n/a |
| Best for Travel | 5.8 | 6.3 |
| Best for Self-Custody | n/a | 7.4 |
| Best for DeFi Users | 5.5 | 6.6 |
| Best for Stablecoins | 5.8 | 7.3 |
| Best for High Spenders | 4.7 | 5.9 |
| Best for Low Fees | 7.5 | 7.9 |
| Best for Beginners | 6.7 | 7.1 |
| Best Crypto Credit Card | 6.4 | n/a |
Product
Product status
ActiveShow source
Product status: Active
Source: RedotPay Crypto Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
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: RedotPay Crypto Card
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)
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%
Tiers / plans
Regular account · RedotPay Pro Monthly ($12.90/month) · RedotPay Pro Annual ($129.00/year)*Show source
Tiers / plans: Regular account · RedotPay Pro Monthly ($12.90/month) · RedotPay Pro Annual ($129.00/year)
Annual: "Annual Membership: $129.00 / year"; without membership the account is a "regular account"
Source states (paraphrased): Monthly Membership: $12.90 / month
Source: Getting Started with RedotPay Pro
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Annual: "Annual Membership: $129.00 / year"; without membership the account is a "regular account"
Fees
Annual fee
Free*Show source
Annual fee: Free
Stated under Physical Card; currency not stated on page
Source states (paraphrased): No annual fees
Source: RedotPay Crypto Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Stated under Physical Card; currency not stated on page
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%
Physical card fee
$100Show source
Physical card fee: $100
Source states (paraphrased): Physical card: 100 USD.
Source: Are There Any Fees for Getting a Card?
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Virtual card fee
$10Show source
Virtual card fee: $10
Source states (paraphrased): Virtual card: 10 USD.
Source: Are There Any Fees for Getting a Card?
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
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
1.2%*Show source
FX fee: 1.2%
Spending in a currency other than the card currency
Source states (paraphrased): Transaction in another currency: 1.2%.
Source: Can I Withdraw Cash from an ATM, and Are There Any Fees?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Spending in a currency other than the card currency
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
Crypto conversion fee
1%Show source
Crypto conversion fee: 1%
Source states (paraphrased): Crypto conversion costs 1%.
Source: Can I Withdraw Cash from an ATM, and Are There Any Fees?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
ATM fee
2%*Show source
ATM fee: 2%
USD card up to $10,000/month, 3% above; Pro annual waives up to $1,000/month of RedotPay ATM fees
Source states (paraphrased): ATM withdrawals on a USD card cost 2% up to $10,000 a month, then 3%.
Source: Can I Withdraw Cash from an ATM, and Are There Any Fees?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
USD card up to $10,000/month, 3% above; Pro annual waives up to $1,000/month of RedotPay ATM fees
Other fees & markups
1.5% transaction fee (min. 0.50 USD) at specific listed merchants (e.g. Facebook Ads, Discord, some games); first 3 eligible transactions per card per calendar month waived*Show source
Other fees & markups: 1.5% transaction fee (min. 0.50 USD) at specific listed merchants (e.g. Facebook Ads, Discord, some games); first 3 eligible transactions per card per calendar month waived
Waived on the first 3 eligible transactions per card each calendar month; merchant list reviewed regularly
Source states (paraphrased): Some purchases at specific merchants have a 1.5% transaction fee, with a minimum of 0.50 USD per transaction.
Source: Select Merchant Transaction Fee Rules
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Waived on the first 3 eligible transactions per card each calendar month; merchant list reviewed regularly
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%
Cashback & rewards
Max cashback
3%*Show source
Max cashback: 3%
RedotPay Pro (monthly or annual) only; Apple Pay / Google Pay transactions only; capped at 18 USDs per month
Source states (paraphrased): Earn 3% cashback on Apple Pay and Google Pay purchases (up to $18 per month).
Source: Getting Started with RedotPay Pro
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
RedotPay Pro (monthly or annual) only; Apple Pay / Google Pay transactions only; capped at 18 USDs per month
Cashback paid in
USDsShow source
Cashback paid in: USDs
Source states (paraphrased): Cashback is issued in USDs.
Source: Getting Started with RedotPay Pro
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
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
Max cashback per month
$18/month*Show source
Max cashback per month: $18/month
Paid in USDs (RedotPay spend credit), Pro members only
Source states (paraphrased): Monthly cap : 18 USDs per month.
Source: Getting Started with RedotPay Pro
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Paid in USDs (RedotPay spend credit), Pro members only
Cashback conditions
RedotPay Pro membership required · Only Apple Pay or Google Pay transactions qualify · USDs usable only for future card transactions; cannot be withdrawn, transferred or used to buy cards · Cashback reclaimed on refunds/disputesShow source
Cashback conditions: RedotPay Pro membership required · Only Apple Pay or Google Pay transactions qualify · USDs usable only for future card transactions; cannot be withdrawn, transferred or used to buy cards · Cashback reclaimed on refunds/disputes
Source states (paraphrased): Eligibility : Only transactions made via Apple Pay or Google Pay qualify.
Source: Getting Started with RedotPay Pro
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
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%
Reward expiry / vesting
Cashback USDs expire after 30 daysShow source
Reward expiry / vesting: Cashback USDs expire after 30 days
Source states (paraphrased): Validity : Issued USDs expire after 30 days.
Source: Getting Started with RedotPay Pro
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Credit & financing
Credit line
Yes*Show source
Credit line: Yes
Optional Credit feature (app v3.0.0+), usable for RedotPay card spending when set as main payment method
Source states (paraphrased): Credit is a payment tool that lets you access a flexible credit line backed by your cryptocurrency holdings.
Source: Getting Started with RedotPay Credit | RedotPay
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Optional Credit feature (app v3.0.0+), usable for RedotPay card spending when set as main payment method
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%
Credit type
Crypto-backed credit*Show source
Credit type: Crypto-backed credit
Optional Credit feature; stablecoins excluded as collateral
Source states (paraphrased): access a flexible credit line backed by your cryptocurrency holdings
Source: Getting Started with RedotPay Credit | RedotPay
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Optional Credit feature; stablecoins excluded as collateral
Interest notes
Interest calculated daily on the principal of the credit balance; simple interest (no compounding)*Show source
Interest notes: Interest calculated daily on the principal of the credit balance; simple interest (no compounding)
Optional Credit feature
Source states (paraphrased): Interest is calculated daily based on the principal portion of your credit balance.
Source: Getting Started with RedotPay Credit | RedotPay
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Optional Credit feature
Spend by borrowing against collateral
Yes*Show source
Spend by borrowing against collateral: Yes
Optional; crypto collateral is locked at payment until repaid
Source states (paraphrased): set Credit as your main payment method
Source: Getting Started with RedotPay Credit | RedotPay
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 70%
Optional; crypto collateral is locked at payment until repaid
Availability
Not available in
AF, AL, BY, BA, BV, BF, BI, CF, CD, Croatia, CU, ER, ET, GW, HT, India, Indonesia, IR, IQ, LB, LR, LY, CN, ML, ME, MA, MM, NP, NI, KP, MK, RU, RS, Singapore, Slovenia, SO, SS, SD, SY, Turkey, Ukraine, United States, VE, YE, ZW*Show source
Not available in: AF, AL, BY, BA, BV, BF, BI, CF, CD, Croatia, CU, ER, ET, GW, HT, India, Indonesia, IR, IQ, LB, LR, LY, CN, ML, ME, MA, MM, NP, NI, KP, MK, RU, RS, Singapore, Slovenia, SO, SS, SD, SY, Turkey, Ukraine, United States, VE, YE, ZW
Card issuance restricted list (Aug 28, 2026); also lists Kosovo and Netherlands Antilles, which have no current ISO code and are omitted
Source states (paraphrased): Residents of these areas are ineligible for both virtual and physical cards
Source: Card Issuance Restrictions | RedotPay
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Card issuance restricted list (Aug 28, 2026); also lists Kosovo and Netherlands Antilles, which have no current ISO code and are omitted
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)
Features
Apple Pay
YesShow source
Apple Pay: Yes
Source states (paraphrased): Only transactions made via Apple Pay or Google Pay qualify.
Source: Getting Started with RedotPay Pro
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
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 states (paraphrased): Only transactions made via Apple Pay or Google Pay qualify.
Source: Getting Started with RedotPay Pro
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
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
Yes*Show source
Physical card: Yes
Not available in every country
Source: Are There Any Fees for Getting a Card?
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Not available in every country
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: Are There Any Fees for Getting a Card?
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
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: Can I Withdraw Cash from an ATM, and Are There Any Fees?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
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 states (paraphrased): Stablecoin holders can spend globally through leading card networks with ease.
Source: RedotPay Crypto Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
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%
Limits
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
Security & custody
Regulation / licences
Money Lender's Licence No. 1715/2025 (RedotPay Credit)*Show source
Regulation / licences: Money Lender's Licence No. 1715/2025 (RedotPay Credit)
Licence stated for the Credit feature; issuing jurisdiction not named on page
Source states (paraphrased): Money Lender's Licence No: [1715/2025]
Source: Getting Started with RedotPay Credit | RedotPay
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 70%
Licence stated for the Credit feature; issuing jurisdiction not named on page
Annual cost at 1,500 EUR/month
RedotPay
- Annual & monthly fees+0 EUR
- FX costs−43 EUR
- Crypto conversion–
- ATM costs−24 EUR
- 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