The Tuyo Card earns TUYO Points cashback on a Visa debit card with no annual fee, available in Canada/EU/LATAM/part of US + most countries (not UK).
Tuyo is a self-custodial crypto fintech that launched in 2024 with a Visa debit card spending USDC on Base, available outside the countries and US states its help centre excludes, which include the UK but no EU or EEA state. Tuyo Inc. is incorporated in Delaware; fiat services are provided by Bridge Ventures and cards are issued via Signify Holdings (Rain).
The Tuyo Card is a crypto debit card offered by Tuyo, available in Canada/EU/LATAM/part of US + most countries (not UK). It offers TUYO Points cashback rewards on purchases. There is no annual fee to hold this card.
It is a strong fit for privacy-conscious users who want to keep custody of their keys while spending. It runs on the Visa network and requires full identity verification.
New to crypto cards? Read our complete buyer's guide to understand fees, rewards, and how to choose. Concerned about privacy? See our KYC vs non-KYC comparison. Compare more options in our regional guides for the US, Europe, Latin America, and Canada. See where it ranks among the best crypto debit cards.
| Tier | Rate | Requirement |
|---|---|---|
| Standard | 0% | Earns TUYO tokens (token now trading post-TGE) |
On $500/mo spend, the estimated monthly cost breakdown for Tuyo Card is: gas $0.03, conversion spread $0.00, flat transaction fees $0.00, and amortised card/tier fee $0.00, for a total drag of 0% of spend. After $0.00/mo cashback that is still a net cost of about $0.03/mo ($0.36/yr). Because Tuyo Card is loaded on-chain, frequent small top-ups add gas cost: a daily-spender profile pays about $0.60/mo in gas versus $0.03/mo for a single monthly load, so total drag runs 0.1% with daily reloads versus 0% with a monthly reload. This card bills in USD. Spending in another currency adds a 2% FX fee; these figures do not include it. Figures are conservative estimates and vary with conditions.
Note: Self-custodial, USDC-on-Base spending. Tuyo's help centre (verified July 16, 2026) lists the countries and US states where the card cannot be issued rather than where it can; the earlier 41-country list is no longer published. Virtual only (physical coming). ATM withdrawals are supported with a card PIN at Visa ATMs: up to $250 per withdrawal including the ATM surcharge, up to three attempts per rolling 24 hours. Apple Pay / Google Pay. Daily spend limits: new cards start at up to $50K a day, rising to $100K and then $200K as total spending grows. FX: 1% on non-USD purchases plus 1% on purchases outside the US, up to 2% combined per purchase (tuyo.com/card and FAQ). Tuyo's own FAQ states that TUYOs are points in the rewards programme and are not a cryptocurrency token, that they are neither tradable nor transferable, and now says only that Tuyo will share any confirmed token plans through its official channels. The earlier record of a completed TGE with the token trading on Bitget is contradicted on both counts. tuyo.com/card states the site and its services are not intended for and should not be accessed by people located in the United Kingdom. 'Buy Now, Pay Maybe' feature launched May 2026 (some purchases randomly free). Yield: tuyo.com/card now illustrates Tuyo Earn at 4.0% APY (read 2026-10-24); the up to 11% APY across USDC, EURC, ETH and BTC advertised earlier has no current official source. Tuyo takes a 10% performance fee on Earn returns which is already reflected in the quoted APYs. Tuyo states the figure is an estimate based on past performance of third-party DeFi protocols, is variable, and is not guaranteed.
Other crypto cards in the same region or category that may suit your spending profile:
The Tuyo Card is a crypto debit card offered by Tuyo. It is available in Canada/EU/LATAM/part of US + most countries (not UK) and allows users to spend cryptocurrency at merchants worldwide.
The Tuyo Card offers TUYO Points cashback.
The Tuyo Card has an annual fee of $0. Additional fees: Conversion fee: 0%; FX fee: 1% non-USD FX + 1% outside-US fee; up to 2% combined; ATM: Supported; limit $250 per withdrawal incl. ATM surcharge, up to 3 attempts per rolling 24h; Top-up: 0%.
The Tuyo Card has the following limits: daily spending limit: USD 50,000 (new cards; can rise to USD 100,000 and then USD 200,000). Limits can vary by account tier and verification level.
Yes. The Tuyo Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The Tuyo Card is available in Canada/EU/LATAM/part of US + most countries (not UK).
The Tuyo Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Tuyo Card is a non-custodial (self-custody) card. This means you retain control of your private keys and your crypto is not held by a third party. Funds are only converted at the point of sale, reducing counterparty risk compared to custodial alternatives.
Yes, the Tuyo Card supports Apple Pay and Google Pay for contactless payments.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.