Tuyo Card Review
Self-Custodial?
Finally, a card that lets you spend USDC without giving up your private keys. Here is everything you need to know about Tuyo.
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Self
Custody
0%
Monthly Fees
100+
Countries
11%
APY Yield
What is Tuyo? (More Than Just a Card)
If you are deep in the crypto world, you know the biggest problem with crypto debit cards: Custody. To use a typical card, you have to deposit your funds into their wallet. If they go bankrupt, your money is gone.
Tuyo is a hybrid between a non-custodial crypto wallet and a Neobank. It is built heavily around USDC (USD Coin) and the Base blockchain, which means transactions are lightning-fast and cost pennies. Unlike traditional banks that hold your money, Tuyo gives you full control. Your private keys never leave your device.
Key Features at a Glance
Self-Custody
You own your funds. No middlemen. Your private keys never leave your device.
Real Bank Accounts
Get your own IBANs for USD, EUR, and MXN. Auto-convert salary to USDC.
Tuyo Visa/Debit Card
A virtual card that links directly to your wallet balance. Instant issuance.
Yield
Earn up to 11% APY on your USDC (rates vary based on DeFi market conditions).
Tuyo Card Fees: The "No Surprise" Promise
Crypto cards are notorious for hidden "spread" fees. Tuyo’s marketing focuses heavily on "No Borders, No Surprises."
| Fee Type | Cost | Notes |
|---|---|---|
| Card Issuance | Free / Low | Virtual cards are typically free to generate. |
| Monthly Fee | $0.00 | No subscription required for the basic tier. |
| P2P Transfers | Free | Sending USDC to another Tuyo user costs nothing. |
| Foreign Exchange | Competitive | Uses real-time conversion rates. |
| Network Fees | Minimal | Uses Base network, gas fees usually under $0.01. |
Tuyo Card Countries: Can You Get It?
This is one of Tuyo's strongest selling points. While many cards are restricted, Tuyo is positioned as a Global app.
Latin America
Specifically Mexico (MXN support is huge here).
Europe
Full EUR IBAN support.
USA
Full USD account support.
Global
Available for download in over 100 countries including parts of Asia and Africa.
Tuyo Card Reddit Reviews: What Users Say
The Pros
- "Finally, real Self-Custody": Users love not trusting an exchange.
- Speed: The Base network is praised for being instant.
- Off-Ramping: Freelancers love receiving USD and spending locally.
The Cons
- Beta Feel: Some users report occasional bugs in the app interface.
- Limited Assets: Strictly USDC-focused. Must swap BTC/SOL to USDC first.
Final Verdict: Should You Get the Tuyo Card?
The Tuyo Card is a specific tool for a specific type of person. It offers true self-custody and global banking features.
Get Tuyo IF: You work remotely, get paid in USD/EUR, and prefer keeping funds on-chain (Base network).
Skip Tuyo IF: You constantly lose passwords (self-custody is risky) or primarily hold Bitcoin.
FAQ
What are the Tuyo Card fees? ▼
Tuyo prides itself on zero monthly fees and zero fees for peer-to-peer transfers. Transaction fees are minimal thanks to the Base network.
Is Tuyo a Visa or Mastercard? ▼
Tuyo issues virtual cards that are compatible with Apple Pay and Google Pay, accepted at millions of merchants globally.
Does Tuyo work in India? ▼
The app is available globally, but the specific "local bank account" feature is currently focused on USD, EUR, and MXN. You can likely use the card for international transactions.
Is there a Tuyo Credit Card? ▼
No, Tuyo currently offers a debit/prepaid style card where you spend your existing USDC balance.