Tuyo Visa Card
by Tuyo
- Monthly fee
- Free
- Card fee
- Free
- Top-up fee
- Free
- ID check
- ID verification
- Card
- Virtual + physical
- Phone pay
- Apple Pay, Google Pay
Our verdict
Tuyo pairs self-custody with up to 11% APY, so your USDC keeps earning until you spend it. With no issuance or monthly fees and deposits from several chains, it is a strong pick for spenders who care about yield.
What we like
- +Self-custodial, with up to 11% APY on deposits
- +No issuance, monthly or USD transaction fees
- +Deposits accepted from Ethereum, Base, Arbitrum, Optimism and Polygon
- +Free transfers to other Tuyo users
- +$10,000 daily spending limit
Watch out for
- −USDC only, so little choice of assets
- −No ATM withdrawals or PIN
- −Virtual card only for now, physical card still to come
- −KYC needed to get the card
- −Roughly 1% FX spread on non-USD purchases
9.4/10
Editor score
Excellent
7.5/10
User rating
Based on 22 sources
Lv 3
KYC Level
ID verification
Global
Availability
Available worldwide
Card Overview
Rewards
- Cashback
- —
- Cashback Crypto
- —
- Staking Rewards
- Staking APR
- 11%
- Welcome Bonus
- —
- Referral Bonus
- —
Fees
- Monthly Fee
- Free
- Card Issuance
- Free
- ATM Fee
- —
- FX Fee
- Free
- Top-up Fee
- Free
- Decline Fee
- Free
Limits
- Daily Spend
- Unlimited
- Monthly Spend
- Unlimited
- ATM Withdrawal
- Unlimited
Card Info
- Card Type
- Physical Card, Virtual Card
- Card Network
- Visa
- Apple Pay
- Google Pay
KYC Requirements
Level: ID verification
- ✓Email verificationRequired
- ✓Phone verificationRequired
- ✓Identity documentRequired
- ✕Proof of addressNot Required
- ✕Selfie verificationNot Required
Community Sentiment
Community Score
7.5/10
Sourced from
Users see Tuyo as a capable second-generation self-custodial card built on Base, settling in USDC with no monthly fees and no charge for peer transfers. The 11-12% variable APY, easy Apple Pay and Google Pay setup, and cross-border use in markets like the Philippines and Mexico draw the most praise. Many also cite the fact that private keys stay on the device as a clear edge over custodial rivals. Complaints are comparatively mild: a roughly 1% FX spread, no physical card, no ATM or PIN, and yields that vary because they come from DeFi. Rewards points depend on a future token launch, and some Android users report crashes and a scrolling bug on the deposit screen. Support is limited to in-app chat and email. Overall the tone is strongly positive, especially among DeFi-native users and people in underbanked regions.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Base
Frequently asked questions
Does the Tuyo Visa Card require KYC?
Yes. Tuyo asks for id verification before issuing the card. A government ID is checked, usually alongside email and phone.
What fees does the Tuyo Visa Card charge?
The card has a monthly fee of free, an issuance fee of free, a top-up fee of free, an FX fee of free. See the fee table above for ATM and decline fees.
Does the Tuyo Visa Card work with Apple Pay and Google Pay?
Apple Pay is supported and Google Pay is supported, according to the issuer.
Which countries can get the Tuyo Visa Card?
It is available worldwide, subject to the issuer's own checks.
Which cryptocurrencies does the Tuyo Visa Card support?
USDC, USDT.
Last updated August 19, 2026, verified August 6, 2026.