Tuyo is a self-custodial crypto app that lets you earn up to 11% APY on USDC, ETH, and BTC through DeFi strategies while spending your balance at any Visa merchant worldwide through an attached debit card.
About Tuyo
What is Tuyo?
Tuyo is a self-custodial crypto finance app with a Visa debit card attached. You hold your own private keys, earn yield on your crypto, trade tokens, and spend at any Visa merchant worldwide, all from one app. It is not a bank, and it does not take custody of your funds at any point.
The main draw is the yield. Tuyo Earn lets you deposit USDC, EURC, ETH, or BTC into curated DeFi strategies and earn up to 11% APY, with Tuyo advertising 9% APY on cash as its headline rate. That yield comes from third-party DeFi protocols, so it is variable and not guaranteed. Tuyo takes a 10% performance fee on returns, and all APYs shown in the app already account for that cut. The card runs on your USDC balance on Base, and your funds keep earning right up until you spend them.
Beyond earning and spending, Tuyo also covers trading and transfers. You can trade over 15,000 tokens across five networks, Ethereum, Base, Arbitrum, Optimism, and Polygon, at a 0.25% volume fee. Global transfers and virtual account numbers in multiple currencies are available with no hidden fees. Fiat services like deposits and withdrawals go through Bridge, a licensed money transmitter, and cards are issued through Rain, a card issuance partner. Tuyo itself sits between you and those services but never touches your crypto.
Who uses it?
Tuyo has around 30,000 users and draws a crowd that is already comfortable with crypto but frustrated by the usual trade-off between self-custody and convenience. The people talking about it publicly tend to describe it as the easiest on-ramp and off-ramp they have used, or a self-custodial wallet that finally does not feel like a chore. That tells you something about the audience: they know what self-custody means, they want it, and they have tried alternatives that made it too difficult to use day to day.
It also appeals to people living or working across borders. Free global transfers, multi-currency virtual account numbers, and a card accepted wherever Visa works make it practical for anyone who moves money between countries regularly. If you get paid in crypto or hold stablecoins and want to spend without converting everything through a centralized exchange first, Tuyo fits that workflow.
There is a third group worth mentioning: people who want a stake in what they use. Tuyo has a rewards token called TUYO, and using the app earns you some. Whether that ownership angle matters to you depends on how you feel about tokenized loyalty programs, but it is a real feature and not just a marketing line.
How it works
You download the app, complete KYC through Tuyo's regulated partners, and get a self-custodial wallet where you control the private keys. Even if KYC fails or your account gets restricted, you can still withdraw your crypto to an external wallet. That is the self-custody promise in practice: Tuyo cannot lock you out of your own funds.
Once you are set up, you can deposit crypto across any of the five supported networks and move it into an Earn strategy. Tuyo picks through DeFi yield options and presents the best available ones on a factsheet inside the app. Your USDC in an Earn strategy keeps generating yield until the moment you actually spend with the card. The Tuyo Card connects directly to that balance, and when you pay at a Visa terminal or online checkout, it converts the USDC you need at the point of sale. You can also turn off Earn-balance spending if you prefer the card to only draw from idle USDC.
Trading works through an in-app swap interface across the five supported networks. Bridging tokens between networks and swaps between stablecoins carry no volume fee, only network costs. For everything else, the fee is 0.25%, though that floor can rise during network congestion. Transfers between users and to external accounts use virtual bank account numbers that Tuyo generates for you in multiple currencies, backed by Bridge's money transmission licenses in the US and EEA.
Key Features
Pros & Cons
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9% APY on crypto holdingsYou earn up to 9% APY on USDC, EURC, and BTC, which is higher than what most crypto savings accounts offer.
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Spend without pausing earningsThe card works worldwide with no fees, so your balance keeps earning while you use it for everyday purchases.
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Trade across five networksYou get access to over 15,000 tokens across five networks at some of the lowest swap fees available.
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Free global transfersYou can send money internationally at no cost using your own multi-currency accounts, with no third-party bank in the middle.
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Ownership through usageUsing the app earns you TUYO tokens, which give you a stake in the platform itself rather than just loyalty points.
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Very small user baseWith only 30,000 users, the platform has far less network depth and community support than established crypto card competitors.
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USDC and EURC dependencyThe high APY is tied to stablecoin and BTC holdings, so users who hold other assets outside those three do not benefit from the headline rate.
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No detail on TUYO token valueThe site gives no information about how TUYO tokens are valued, what governance rights they carry, or whether they can be redeemed for anything concrete.
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Regulatory status is unclearThere is no mention of which jurisdictions Tuyo is licensed in, what deposit protections apply, or how user funds are insured if the platform has issues.
