CoinsOnCards

    Tuyo CardReview

    Self-custodial Visa debit card for spending USDC on the Base network.

    3.0· Updated: Season 0 Pioneers ended November 1, 2025
    Visit issuer
    Cashback
    Up to 0.00%
    Custody
    self_custodial
    KYC
    full
    Networks
    —
    Monthly fee
    Free
    Available in
    —

    The verdict

    Best for: Users prioritizing self-custody for spending USDC on Base with high daily limits.

    Skip if: You need ATM access, a physical card, or want to spend other cryptos directly.

    • True self-custody for USDC on Base, but no ATM or PIN support.
    • No annual fees and 0% FX on USD, but rewards are volatile TUYO points.
    • High daily limits up to $200,000, but only a virtual card is available.
    Get the Tuyo Card

    How it works

    • Tuyo offers a virtual-only card with immediate Apple Pay and Google Pay integration. It features a self-custodial wallet architecture, allowing users to retain control of their private keys. The platform provides free conversion from supported fiat (USD, EUR, MXN) to USDC and free cross-chain swaps to USDC on Base from Ethereum, Arbitrum, Optimism, and Polygon. Spending limits are high, starting at $10,000/day and increasing up to $200,000/day with account history. The app also integrates DeFi "Vaults" offering variable yields up to ~11% APY.

    Funding: USDC on Base/Ethereum/Arbitrum/Optimism/Polygon · USD bank transfer · EUR bank transfer · MXN bank transfer · Other crypto tokens (converted to USDC on Base)

    Tier requirements & loyalty

    Referrals: 20-50% of referred users' TUYO rewards (exact percentages shown in-app, tied to specific seasons and campaigns)

    Fees

    BankingSEPA: true · IBAN: true · Virtual accounts: true · IBAN support in Luxembourg. EU users benefit from IBAN support and SEPA compatibility. Bridge Ventures provides virtual bank account numbers in the US.

    Custody & risk

    • If the issuer disappears
      The self-custodial model places the full responsibility for asset security on the user. Crypto assets are not covered by FDIC or any similar deposit insurance.
    • Regulatory risk
      As a crypto fintech, service could be impacted by evolving regulations
    • Market risk
      TUYO reward rates not fixed; effective cashback depends on future token valuation at TGE
    • Security risk
      Self-custodial model places key security responsibility on users

    Tuyo employs a true self-custodial model for crypto assets, where users maintain full control of their private keys. Funds remain in the user's personal wallet until the point of sale. The platform itself does not act as a custodian for user crypto.

    Protections

    • 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 & coverage: No FDIC insurance covers crypto balances. Fiat holdings in partner bank accounts may have standard FDIC/deposit insurance.

    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

    The good

    • Self-custodial model gives users full control of keys.
    • $0 annual fees and no maintenance charges.
    • Free fiat-to-USDC conversion for USD, EUR, MXN.
    • Free cross-chain conversion to USDC on Base.
    • Highly-rated iOS app (4.9/5.0).
    • High spending limits up to $200,000/day.
    • DeFi yield options up to ~11% APY.
    • 0% FX fees on all USD transactions.

    The catches

    • Spending limited to USDC on the Base network.
    • Virtual card only; no physical card available yet.
    • Cannot be linked to PayPal or Curve.

    Limitations

    • majorATM withdrawals and PIN functionality not supported
    • moderateOnly spends USDC on Base network; other cryptocurrencies require manual conversion
    • moderateVirtual card only; physical card not yet available
    • moderateTUYO reward rates not published as fixed percentages; vary by season
    • moderateReward value depends on future TUYO token valuation at TGE
    • moderateSome merchants may reject the card (particularly in Spain and EU)
    • minorCannot be linked to PayPal or Curve
    • minorCard can only spend from Cash balance, not directly from Earn vaults
    • minorEarn APY is variable and not guaranteed

    Where rewards don't apply

    • PayPal — Cannot be linked to PayPal
    • Curve — Cannot be linked to Curve

    What users say

    App Store
    4.9/5.0 (~70 reviews)

    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.

    Rating breakdown

    Net reward
    1.8
    Custody risk
    5.0
    Availability
    2.5
    Features & convenience
    3.0

    See our methodology for how we score each axis.