Tuyo Card
VisahybridKYC: required
3.0 / 5
Net Reward1.8
Availability2.5
Custody & Risk5.0
Features3.0
Tuyo Card is a self-custodial crypto debit card that lets users spend USDC on Base directly at Visa merchants while retaining full control over their assets through private keys. It supports Apple Pay and Google Pay for virtual transactions and is available in the US, Spain, and select EU and Latin American countries.
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Slug: tuyo-card
Our Verdict
Privacy-focused crypto users who want to maintain self-custody while spending, USDC holders seeking everyday purchase utility, DeFi enthusiasts who appreciate yield integration with spending capabilities, and high-volume spenders who can benefit from daily limits up to $200,000.
Pros and cons
Pros
- Self-custodial model maintains true crypto ethos of user control
- No annual fees or maintenance charges
- No staking requirements to access the card
- Free fiat-to-USDC conversion for deposits
- Free cross-chain conversion to USDC on Base
- Highly-rated mobile app experience with intuitive interface (4.9/5.0 on iOS)
- Industry-leading spending limits (up to $200,000/day with history)
- Available on both iOS and Android
- TUYO rewards program with multiple earning opportunities
- DeFi yield options up to ~11% APY
- 0% FX fees on USD transactions
- Available in US, EU, and Latin America
Cons
- Limited to USDC on Base network for spending (other cryptocurrencies require manual conversion)
- Virtual card only; physical card not yet available
- ATM withdrawals and PIN functionality not supported
- TUYO reward rates not published as fixed percentages; vary by season
- Reward value depends on future TUYO token valuation at TGE
- Cannot be linked to PayPal or Curve
- Some merchants may reject the card
- Card can only spend from Cash balance, not directly from Earn vaults
- Earn APY is variable and not guaranteed
Supported chains
ArbitrumBaseEthereumOptimismPolygon
Supported cryptos
BTCETHEURCUSDC
Fees
Annual: $0
Atm Uk: Not supported
Monthly: $0
Issuance: $0
Atm Non Uk: Not supported
Key Features
- Self-custodial model where users maintain full control of crypto assets via private keys
- Spends USDC on Base network directly at any Visa merchant worldwide
- Virtual card available now with Apple Pay and Google Pay integration
- Automatic conversion of incoming USD/EUR/MXN to USDC at no fee
- DeFi Vaults yield options available in-app (up to ~11% APY on USDC, EURC, BTC, and ETH)
- TUYO rewards program with seasonal multipliers and planned TGE in early 2026
- Free cross-chain conversion to USDC on Base
- Industry-leading spending limits up to $200,000/day with history
- No staking requirements or token prerequisites
Limitations
- Only spends USDC on Base network; other cryptocurrencies require manual conversion
- Virtual card only; physical card not yet available
- ATM withdrawals and PIN functionality not supported
- TUYO reward rates not published as fixed percentages; vary by season
- Reward value depends on future TUYO token valuation at TGE
- Cannot be linked to PayPal or Curve
- Some merchants may reject the card (particularly in Spain and EU)
- Card can only spend from Cash balance, not directly from Earn vaults
- Earn APY is variable and not guaranteed
Risks
- RegulatoryAs a crypto fintech, service could be impacted by evolving regulations
- MarketTUYO reward rates not fixed; effective cashback depends on future token valuation at TGETGE planned early 2026
- SecuritySelf-custodial model places key security responsibility on users
- MarketEarn Vault risks - APY rates are variable and not guaranteed; DeFi strategies carry inherent smart contract and market risks
- CounterpartySome early users report occasional app sync delays during high blockchain activity
Rewards & Cashback
Notes: Effective cashback value depends on future TUYO token valuation at TGE. No fixed percentage cashback in fiat terms is guaranteed.
Reward Token: TUYO (token generation event planned early 2026)
Cashback Rate: TUYO rewards - rates not published as fixed percentages; vary by season and in-app multipliers
Interest On Balance: DeFi Vaults yield options up to ~11% APY on USDC, EURC, BTC, and ETH (variable, not guaranteed)
Eligibility Requirements: No staking requirements or token prerequisites
Spending Limits
Notes: Step-ups to $100,000 and $200,000 per day available once certain spending thresholds are met
Atm Daily: Not supported
Atm Monthly: Not supported
Daily Spending: Up to $10,000 starting, $50,000 standard, up to $200,000 with account history
Monthly Spending: Displayed in-app after KYC completion
Top-Up Methods
USDC on Base/Ethereum/Arbitrum/Optimism/PolygonUSD bank transferEUR bank transferMXN bank transferOther crypto tokens (converted to USDC on Base)
Banking & Financial Services
✓
IBAN
✓
SEPA Transfers
✓
Virtual Accounts
IBAN support in Luxembourg. EU users benefit from IBAN support and SEPA compatibility. Bridge Ventures provides virtual bank account numbers in the US.
Security Features
Features: Self-custodial wallet with private keys stored by user (encrypted on-device),Encrypted backups,Device biometrics or 2FA,Secure seed phrases,Data encrypted in transit and at rest
Insurance: No FDIC insurance covers crypto balances. Fiat holdings in partner bank accounts may have standard FDIC/deposit insurance.
Mobile Wallet Support
Apple PayGoogle PayiOSAndroid
Best For
Privacy-focused crypto users who want to maintain self-custody while spending, USDC holders seeking everyday purchase utility, DeFi enthusiasts who appreciate yield integration with spending capabilities, and high-volume spenders who can benefit from daily limits up to $200,000.
Custody Model
hybridNon-custodial for crypto assets - users hold their own private keys and funds remain in user wallet until point of purchase. Custodial for fiat funds - fiat deposits held by Bridge/partner bank.
Risk: If provider disappears, users retain full access to their crypto assets. Self-custodial model places key security responsibility on users.
Card Issuer & Compliance
Issuer Name: Licensed partner institutions via Signify Holdings (operating as Rain)
Kyc Required: true
Issuer License: Cards issued by licensed partner banks via Signify Holdings (Rain); specific issuing bank varies by jurisdiction
Platform Licenses: Tuyo Inc. - Delaware-incorporated fintech company,Bridge Ventures, Inc. - Licensed US money transmitter (NMLS #2450917),Bridge Building Sp. z.o.o. - EEA operations
Availability
Available in 41 countries including US, Spain and select EU and Latin American countries. Restricted in 15 countries including OFAC/UN/EU-sanctioned jurisdictions. Also prohibits Crimea, Donetsk & Luhansk regions.
Card Tiers
Standard Tuyo Card
Virtual onlyVirtual only (physical card coming soon)
KYC completion
Fees
Issuance: $0
Monthly: $0
Monthly Limit: Displayed in-app after KYC
VisaApple PayGoogle Pay
Cashback: TUYO rewards (variable by season)
ATM Free: Not supported
Self-custodial functionalityDeFi Vaults accessFree fiat-to-USDC conversion
Token Economics
TUYO
Referral: 20-50% of referred users' TUYO rewards (exact percentages shown in-app, tied to specific seasons and campaigns)
Merchant Restrictions
PayPal- Cannot be linked to PayPal
Curve- Cannot be linked to Curve
User Ratings
4.9/5.0 (~70 reviews)
App Store
Generally positive reception with particular praise for smooth onboarding process, fast USDC funding capability, self-custodial architecture, and reliable transaction processing. Some users call it the 'best onboarding' experience in crypto.
Roadmap & Updates
Expansion: TGE planned for early 2026
Planned Features:
- Physical card coming soon
- TUYO token generation event (TGE) in early 2026
Recent Updates:
- Season 0 Pioneers ended November 1, 2025
- Season 1 Early Adopters: November 1 – December 11, 2025
- Season 2 FOMO: December 11, 2025 – January 22, 2026
- Season 3 Last Call: January 22, 2026 until TGE
Conclusion
Tuyo Card delivers a distinctive proposition in the crypto-card market through its self-custodial model, enabling users to spend USDC on Base at merchants worldwide while maintaining control of their private keys. This approach addresses a key concern for crypto users who want to use their assets for everyday purchases without surrendering custody to a centralized provider. The card's integration with the Visa network ensures broad merchant acceptance, while the streamlined mobile app provides an accessible user experience that has earned a 4.9/5.0 rating on iOS. With industry-leading spending limits up to $200,000 per day, zero annual fees, and availability across the US, EU, and Latin America, Tuyo has positioned itself as a serious contender in the self-custodial crypto card space. Tuyo Card's main limitations include its USDC-on-Base-only spending model, lack of ATM functionality, and the absence of a physical card option (though one is coming soon). The card appears most suitable for users who prioritize self-custody and simplicity over extensive reward programs or multi-crypto spending capabilities.
Card launched: Early 2025
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