Card to the Future
Illustration in the plan's colour, not the issuer's artwork

Tuyo Card

VisaSelf-custodyKYC fulldebit

Tuyo is a self-custody stablecoin app with a virtual Visa card that spends USDC on Base and a USD/EUR account via Bridge. The card has no monthly or issuance fee, 0% on US dollar purchases and up to 2% on foreign ones, and rewards are points rather than a fixed cashback.

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51Card Score, #20 of 36
−$10You keep a year
D48Trust points of 100
79%Key fields with a source

Plans side by side

Standard
Price
Monthly priceFree1,2
Yearly priceFree1,2No annual fee published
Virtual card feeFree1,2
Staking needed01No staking or lock required
Other requirementsIdentity verification (KYC) for the card; a separate bank-account KYC2,3Card KYC can be rejected for unclear photos or unsupported occupation codes; resubmitting often works
Rewards
Paid inTUYO points (no cash value yet)3,11Roughly 0.5 points per $1 spent in third-party tests; redemption not availableNot confirmed by the issuer
PointsTUYO points earned from card spend, trading, Earn balances and referrals; points have no stated cash value11,3Third-party description; issuer terms for points not readNot confirmed by the issuer
PerksVisa card benefits (not confirmed by the issuer), Apple Pay and Google Pay, Personal USD and EUR bank accounts via Bridge, Earn: up to 4.0% APY on USD balance4,11Visa benefits are per a third-party review; Buy Now, Pay Maybe reported closing Oct-31, 2026 per a user report
Fees
FX fee1%1,21% on non-USD purchases, plus a 1% abroad fee from the card provider on purchases outside the US, up to 2% combined. Paymentscan measured about 0.35-0.4% on a real non-USD payment, below the advertised fee
Crypto conversion fee0%1Converting other tokens to Base USDC in the app is reported to be free; network fees may apply. Card spends USDC on Base
Limits
Spend limit a day$50,0001,2Starts at $50,000 per day, rising to $100,000 and $200,000 as spending grows; changeable in the app

Real payments

FX markup paidPaymentscanAbout 0.35-0.4% over the mid rate on a non-USD payment, plus a $0.01 cross-border fee; lower than the advertised 1% FX fee3
Conversion spread paidCryptonoshi review, Nov-04, 2026USDC to USD at 1:1 with no sell spread observed11
MeasuredPaymentscanAbout 0.5 TUYO points earned per $1 spent; points could not be redeemed3

What someone actually paid, which can differ from the advertised fee. Each test is one payment or a few, so treat it as a signal.

What you keep

FX fee on foreign spend−$10
Net a year, Standard plan−$10

$1,000 a month, 20% in a foreign currency, no staking. Change

Trust

Licence and regulator7 of 25

Card is issued by Nimbus on Rain's programme under a Puerto Rico money transmitter licence per Finek; Tuyo itself names no licence and its legal entity is not public.5,3

Custody and fund protection14 of 20

Help centre says the app is self-custodial and funds stay under user control until spent; a banned user could still withdraw. Earn balances add some strategy risk.2,7

Incidents in the last 24 months12 of 20

A wrongful account closure was admitted by Tuyo but not reversed, and a reported wave of closures and the end of Buy Now, Pay Maybe add some doubt.6,7,12

Track record and verified volume5 of 15

Live since Feb 2025 with about $22.7M total card volume and about $2M a month, small by market share.3

Published fees and terms4 of 10

Fee page is clear, but issuer, entity and cardholder terms are not easily readable and rewards have changed several times.1,2

Support and user sentiment6 of 10

In-app chat and email; third-party tests found replies from 34 minutes to about 10 hours, but a banned user got little help at first.7,11

Company

Websitetuyo.com4

Issuer and licence

Card issuerNimbus (Rain program)5,3Issuer terms do not name the issuer on the pages read; Finek and Paymentscan name Rain as the card provider, with Nimbus as issuing entity under a Puerto Rico money transmitter licence per Finek
Program managerRain3,5
LicencesMoney transmitter licence, Puerto Rico (per Finek, held by issuer)5Third-party statement only; licence number not found
NetworkVisa1,3
Card levelVisa Platinum11Per a third-party review; not stated by the issuer

The card

Statuslive1,4
Launched2025-023
Typedebit11Third-party review says it is classed as credit on the back end; Tuyo calls it a card spending from your USDC balance
FormsVirtual1,2Physical card coming soon
Custodyself-custody2Help centre says Tuyo is self-custodial
How custody worksFunds stay in the user's control until the moment of spending; Earn strategy balances can also be spent. Account bans have not blocked withdrawals in at least one reported case2,7
KYCfull2
Settles inUSD1,2
Card currenciesUSD1,2

Funding

Crypto acceptedUSDC2Any token on supported networks can be deposited and converted to Base USDC; no ticker list published
ChainsBaseEthereumArbitrumOptimismPolygon2Paymentscan lists BNB Smart Chain instead of Optimism
Fiat top-upApple PayBank cardLinked US bank accountUSD bank transferSEPA4,3Home page lists own bank details, Apple Pay card top-up, linked bank and USDC; SPEI and Coinbase per Paymentscan only
Spends fromUSDC balance on Base (Earn balance can be used if enabled)2

Payments

Apple Pay1,2Apple or Google may refuse adding the card after risk checks
Google Pay1,2
Contactless1Via Apple Pay or Google Pay; no physical card

Where it works

RegionsUnited States3,1Not available in the UK; issuance restricted in some countries and US states
United States1Separate US cardholder agreement exists
United Kingdom3
EEA10EUR account via SEPA offered; Finek reports it works for EU residents

Account

IBANPersonal USD account (ACH, Fedwire) and EUR account with IBAN via Bridge4,10
Local accountsUSD, EUR4,10MXN per Paymentscan
Yield on balance4%4Up to 4.0% APY on USD balance, depending on chosen strategy; rate varies
Multi-currencyUSD, EUR4
OtherInvest in BTC, ETH and curated DeFi strategies; AI integrations in early access4

App

App Store rating4.54Home page claims 4.5+ rating; store listing not checked
LanguagesEnglish11
SupportIn-app chatEmail11

Reputation

Common complaintsAccount closed after a risk review in a reported case, with referral points lost (resolved as Tuyo error but not restored), Some users report ID verification rejected for certain residence permits or documents, Rewards changed more than once: cashback promotions and Buy Now, Pay Maybe ended6,7,9Public Finek posts and one user chat report
Common praiseGood exchange rates between USD and EUR per Finek, Self-custody means funds could be withdrawn after account closure7,5

Adoption

Users, claimed100K+4Home page claim
On-chain spend, all time$22,670,0003Feb 2025 to Nov 2026 per Paymentscan; settlements are batched
On-chain spend, last month$2,113,0003Oct 2026 per Paymentscan; peak month was Aug 2026 at $2.22M

Referrals

User referralsReferral link with a $10 bonus after 5 card payments of $5+ on separate days (Aug-2026); referrers earn a share of referees' points8,11Bonus terms from Finek and a review, not the issuer

Incidents and changes

Oct 2026A user report says Tuyo's Buy Now, Pay Maybe feature closes Oct-31, 2026, replaced from Nov-01 by a flat 1.5% cashback (not confirmed by the issuer).9fee change
Aug 2026A user with a public Finek channel reported his Tuyo account was closed after a risk-based review; Tuyo later admitted the error but could not restore the account, though funds could be withdrawn.6,7freeze
Aug 2026Users in the Finek chat reported cards and accounts closed for people who withdrew cash, suggesting a clean-up; not verified.12freeze

More details

Bank accountsPersonal USD (Lead Bank, ACH/Fedwire) and EUR (SEPA) accounts provided through Bridge; Finek reports a move to Luxembourg personal IBANs in Sep-202610,11
Card BIN countryPuerto Rico (Visa BIN 45,492,406)11,5
ATM withdrawalsHelp page: up to $250 per withdrawal at Visa ATMs with a PIN; third-party sources disagree, and the physical card is not yet available2,3
Buy Now, Pay MaybeRandom purchases covered by Tuyo, launched May-07, 2026 per a review; a user report says it closes Oct-31, 202611,9

Quick answers

What does the Tuyo Card cost?

The Standard plan: Free a month, — for a physical card.

How much cashback does the Tuyo Card pay?

— on the Standard plan, paid in TUYO points (no cash value yet).

What is the Tuyo Card FX fee?

1% on the Standard plan.

Is the Tuyo Card custodial?

Self-custody. Funds stay in the user's control until the moment of spending; Earn strategy balances can also be spent. Account bans have not blocked withdrawals in at least one reported case

Is the Tuyo Card available in the US, the UK and the EEA?

US: yes. UK: no. EEA: yes.

How much do you keep with the Tuyo Card?

−$10 a year on the Standard plan at $1,000 a month with 20% in a foreign currency, after every fee.

Sources

  1. Tuyo Card page, issuer, Nov-05, 2026
  2. Tuyo help: Tuyo card, issuer, Nov-05, 2026
  3. Tuyo Card on Paymentscan, paymentscan, Nov-05, 2026
  4. Tuyo home page, issuer, Nov-05, 2026
  5. Finek: crypto card issuers overview, community, Nov-05, 2026
  6. Finek, Aug-14, 2026: account closed after risk review, community, Nov-05, 2026
  7. Finek, Aug-15, 2026: Tuyo admits error, account not restored, community, Nov-05, 2026
  8. Finek, Aug-01, 2026: Tuyo referral bonus, community, Nov-05, 2026
  9. Finek chat, user report, Oct-19, 2026, community, Nov-05, 2026
  10. Finek, Sep-08, 2026: Bridge personal IBANs, community, Nov-05, 2026
  11. Tuyo Card review (Last Updated Nov-04, 2026), review, Nov-05, 2026
  12. Finek chat, user report, Aug-13, 2026, community, Nov-05, 2026

Something wrong or out of date? Report it with a source.