Tuyo
tuyo.comTuyo Card Monthly Volumes
SPENDS ONLY| Month | Volume (USD) | Transactions | Active Addresses |
|---|---|---|---|
| Feb 2025 | $6.029K | 24 | 1 |
| Mar 2025 | $8.441K | 28 | 1 |
| Apr 2025 | $28.08K | 22 | 1 |
| May 2025 | $21.75K | 31 | 1 |
| Jun 2025 | $51.22K | 29 | 1 |
| Jul 2025 | $60.09K | 29 | 1 |
| Aug 2025 | $153.4K | 30 | 1 |
| Sep 2025 | $227.2K | 30 | 1 |
| Oct 2025 | $318.1K | 22 | 1 |
| Nov 2025 | $1.566M | 28 | 1 |
| Dec 2025 | $2.187M | 29 | 1 |
| Jan 2026 | $1.666M | 30 | 1 |
| Feb 2026 | $1.263M | 27 | 1 |
| Mar 2026 | $1.297M | 32 | 1 |
| Apr 2026 | $1.156M | 30 | 1 |
| May 2026 | $1.992M | 31 | 1 |
| Jun 2026 | $1.877M | 29 | 1 |
| Jul 2026 | $2.085M | 31 | 1 |
| Aug 2026 | $2.22M | 31 | 1 |
| Sep 2026 | $2.131M | 30 | 1 |
| Oct 2026 | $2.113M | 31 | 1 |
| Nov 2026 | $55.69K | 1 | 1 |
Types of Activity Tracked
Settlement Chains
Card Details
Methodology
These metrics are based on Tuyo's settlements with card issuer Rain. Since settlements are batched, transaction and address counts may not correspond to end user activity. This data does not include Tuyo payments processed through Rain's legacy contracts or other card issuers.
Tuyo Card Review: Cashback, Fees, & Perks
Tuyo is a self-custodial virtual Visa card that spends USDC on Base from the app’s Cash balance. It has no issuance or membership fee, supports Apple Pay and Google Pay, and lets eligible balances continue earning interest until they are spent.
Tuyo does not offer guaranteed fixed-rate cashback. Its current card perk is Buy Now, Pay Maybe, which rebates selected purchases. During our testing, the app also awarded TUYOs for card spending, but we could not redeem them.
The card is strongest for users who value self-custody, flexible funding, and high spending limits. Its main drawbacks are the lack of predictable cashback, combined fees of up to 2% on non-USD purchases made outside the US, and the absence of a physical card.
Official card page: https://tuyo.com/card
Tuyo Card at a Glance
| Feature | Details |
|---|---|
| Card type | Self-custodial virtual card spending USDC on Base |
| Card network | Visa |
| Card provider | Rain |
| Membership fee | Free |
| Virtual card | Free |
| Physical card | Coming soon |
| Cashback or rewards | Buy Now, Pay Maybe; no guaranteed cashback |
| FX and abroad fees | 1% FX fee on non-USD purchases; 1% abroad fee on purchases outside the US; up to 2% combined |
| Daily spending limit | Up to $50,000 initially; increases to $100,000 and $200,000 with spending |
| ATM withdrawals | Up to $250 per withdrawal; maximum 3 attempts per rolling 24 hours |
| Mobile wallets | Apple Pay and Google Pay |
Cashback and Rewards
Tuyo’s current card perk is Buy Now, Pay Maybe. Eligible card purchases may be selected for a rebate, but the benefit does not provide a guaranteed cashback rate.
During our testing, card spending earned 0.50 TUYO per $1 spent. However, the redemption control was greyed out, so the points had no usable value in our test account.
Card Fees
Tuyo charges no issuance, monthly, or annual fee. USD purchases made within the US carry no card fee, while non-USD purchases and transactions outside the US can incur separate charges.
| Fee | Amount | Notes |
|---|---|---|
| Card issuance | Free | Virtual card |
| Membership | Free | No monthly or annual fee |
| USD purchases within the US | 0% | — |
| Non-USD purchase | 1% | FX fee |
| Purchase outside the US | 1% | Abroad fee charged by the card provider |
| Combined purchase fees | Up to 2% | Applies when both the FX and abroad fees are triggered |
| ATM operator or bank charges | Varies | External fees and surcharges count towards the $250 withdrawal limit |
Paymentscan Testing
On 3 July 2026, we made a 3.99 PLN in-store purchase. Tuyo charged us $1.08, including a $0.01 cross-border fee.
Tuyo converted the payment at $0.268 per PLN, compared with a benchmark rate of approximately $0.267 per PLN. This produced an observed FX spread of approximately 0.35%–0.4% before the separate cross-border fee.
Funding Your Tuyo Card
The card spends USDC on Base from the Cash section of the app. Assets deposited through Base, Ethereum, Arbitrum, BNB Smart Chain, or Polygon can be converted to Base USDC before spending.
Depending on the user’s country, device, verification status, and transaction amount, Tuyo may offer funding through Apple Pay, Google Pay, a debit or credit card, a linked US bank account, USD bank transfers, SEPA transfers, SPEI transfers, Coinbase, or a crypto wallet or exchange. Bridge provides Tuyo’s fiat conversion and virtual-account infrastructure.
Additional Features
Interest While Spending
Eligible dollar balances held in Cash can continue earning through a selected interest strategy while remaining available to the card. Funds held separately under Investments must first be moved into the spendable Cash balance.
Availability and User Experience
Tuyo Card is available in most countries where Tuyo operates. The card is not available to people in the UK, and issuance is restricted in several countries and US states.
We completed Tuyo’s onboarding process in approximately 10 minutes. We provided our legal name, date of birth, residential address, government-issued ID, and a facial-verification video through Persona.
On an iPhone, we added the virtual card to Apple Pay directly through the app. Tuyo also supports Google Pay.
Who Is This Card For?
Tuyo suits users who want to spend from a self-custodial USDC balance, use several fiat and crypto funding methods, and keep eligible Cash funds earning interest until they are spent.
Users seeking guaranteed cashback, a physical card, or fee-free international spending may find another card more suitable.
How to Sign Up for Tuyo
- We downloaded Tuyo and created a self-custodial account.
- We provided our personal information, government-issued ID, and facial-verification video through Persona.
- We added funds and made USDC on Base available in the Cash balance.
- We activated the virtual Visa card in the app.
- We added the card to Apple Pay and completed a test purchase.