Visa / Rain
Tuyo
6.0/10Overall Score
Card Mode
--
Card Type
Debit
Mobile Payments
Google PaySupportedApple PaySupported
About the Project
Fees & Rules
01Getting Started
- Virtual Card Application
- $0
02Spending & Conversion
- Base Transaction Fee
- 0%
- FX Fee
- 1%
- Crypto / Fiat Conversion
- 0%
03Rewards
- Cashback
- 0%
Team & Investors
Team 2
Jorge IzquierdoCo-Founder
Alejandro PerezpayáCofounder
Card Guide
Overview
Tuyo is a self-custody crypto spending app launched in 2024, with Tuyo Inc. registered in Delaware; fiat services come from Bridge Ventures, a licensed money transmitter, and cards are issued through Rain (Signify Holdings) as Visa debit. The core idea is spending USDC on Base: funds sit in a smart account the user controls and are debited at the point of sale, so the platform never takes custody.
Only a virtual card is available today, addable to Apple Pay / Google Pay. Tuyo says it reaches 175 million+ acceptance points and includes USD, EUR and MXN virtual bank account numbers, aimed at freelancers and remote workers.
Benefits
| Item | Details |
|---|---|
| Buy Now, Pay Maybe: | launched in May 2026, it randomly picks up the tab for some purchases. |
| TUYO Points: | accrued from spending, trading and Earn activity; they are points rather than a token, non-transferable and non-tradable. |
| Stablecoin yield: | Tuyo Earn supports USDC, EURC, ETH and BTC vaults, advertised at up to about 11% APY; Tuyo takes a 10% performance fee already reflected in that figure. Yields are variable, generated by third-party DeFi strategies, and principal is at risk. |
| Other: | USDC parked in Earn keeps accruing until the card is used; free global transfers and multi-currency accounts; no lock-up. |
Fees
| Item | Details |
|---|---|
| Issuance fee: | 0 — the virtual card is issued instantly and free. |
| Monthly / annual fee: | 0. |
| Transaction fee: | 0 on USD purchases. |
| FX fee: | about 1% spread on non-USD purchases; spending outside the United States adds another 1%, up to roughly 2% in total per transaction. |
| ATM: | withdrawals at Visa ATMs with a PIN. |
| Top-up / funding: | on-chain deposits free across Ethereum, Base, Arbitrum, Optimism and Polygon; token swaps cost 0.25% (whichever is higher of the network fee and the volume fee), with stablecoin swaps and bridging exempt from the 0.25%. |
| Other fees: | 10% performance fee on Earn. |
Availability
| Item | Details |
|---|---|
| Supported regions: | most countries worldwide outside the restricted list, including Canada, the EU, Latin America and most US states. |
| Unsupported regions (30): | Afghanistan, Bangladesh, Belarus, mainland China, the Democratic Republic of the Congo, Cuba, India, Iran, Iraq, Israel, Lebanon, Libya, Mali, Myanmar, Nepal, Nicaragua, Nigeria, North Korea, Russia, Somalia, South Sudan, Sudan, Syria, Turkey, Ukraine, the UK, Venezuela, Vietnam, Yemen and Puerto Rico. |
| Unsupported US jurisdictions: | Arizona, Delaware, Georgia, Idaho, Louisiana, Maryland, Mississippi, Missouri, Nevada, New Mexico, North Dakota, Ohio, Oregon, Rhode Island, South Dakota, Tennessee, Vermont, Washington and Wisconsin, plus the District of Columbia, Puerto Rico, the US Virgin Islands, American Samoa, Guam and the Northern Mariana Islands. |
| Spending limits: | USD 50,000 a day on a new card, rising to USD 100,000 after USD 50,000 of cumulative spend and to USD 200,000 after USD 100,000; the limit can be lowered in the app. |
| ATM limits: | USD 250 per withdrawal including ATM surcharges, with a maximum of 3 withdrawals in a rolling 24 hours. |
| Sign-up requirements: | full KYC (document and address); aged 18 or over; a self-custody wallet created and its recovery phrase backed up by the user. |