Tuyo Card

Tuyo Card Overview

The Tuyo Card is a fee-free, self-custodial Visa card built for stablecoin holders who want to spend USDC anywhere Visa is accepted without surrendering custody of their funds. Issued in partnership with Tuyo Inc., Rain (card issuance) and Bridge (fiat services), the card launched in 2025 and has quickly crossed 50,000 active users.

Tuyo's pitch is refreshingly simple: unlock, tap, done. There is no issuance fee, no monthly fee, no annual fee, and no transaction fee on USD-denominated spends. The only cost that may apply is a small FX spread (up to ~1%) when spending in currencies other than USD. That makes Tuyo one of the cheapest pure-spend crypto cards on the market in 2026.

Behind the UX, Tuyo is genuinely self-custodial. Your funds stay in your control via private keys you exclusively hold until the exact moment of spend. Tuyo itself is not a bank, exchange, or asset custodian — it facilitates self-custody and routes transactions across decentralized protocols. Fiat-to-stablecoin conversions and virtual bank account services are provided by Bridge, while card issuance is handled by Signify Holdings (Rain).

What makes Tuyo different

• Truly free: $0 issuance, $0 monthly fee, $0 annual fee, 0% fee on USD transactions. The pricing model is the simplest in the crypto card market.
• Self-custodial by design: Your private keys stay with you. Tuyo is not a custodian — funds leave your custody only at the instant of authorization.
• Stablecoin-vaulted: The card draws from USDC on Base. Holders can deposit any token on Ethereum, Base, Arbitrum, Optimism or Polygon and convert to Base USDC for free inside Tuyo.
• Earn-while-spend: USDC deposited in Tuyo Earn strategies keeps earning yield until the moment it is spent. Optionally, holders can disable Earn-balance spending.
• Privacy-first: Tuyo shields transaction details by design — financial activity stays private.

Who should use the Tuyo Card

The Tuyo Card is purpose-built for stablecoin holders who want frictionless everyday spending without paying card fees. It is a strong fit for:

• Remote workers and freelancers paid in USDC who want a no-fee spend surface.
• DeFi users already holding USDC on Base, Arbitrum, Optimism or Polygon.
• Holders who value privacy and self-custody above cashback rewards.
• Anyone who wants a working Visa card without monthly or annual fees eating into small balances.

Tuyo Card Features & Benefits

1. Free issuance, free maintenance

There is no issuance fee, no monthly fee, and no annual fee. Tuyo is one of the only true zero-fee crypto cards on the market in 2026.

2. Self-custodial by design

Your funds stay in your custody via private keys you exclusively control. Tuyo is not a bank, exchange, or asset custodian — it is a self-custody facilitator that lets you spend without intermediaries holding your funds.

3. USDC on Base

The card draws from USDC held on Base, Coinbase's Ethereum L2 — which means low gas, fast finality, and broad wallet compatibility. Other stablecoins and tokens can be converted to Base USDC for free inside the Tuyo app.

4. Multi-chain deposits

Deposit any token on Ethereum, Base, Arbitrum, Optimism or Polygon. Tuyo auto-converts to Base USDC at no cost. No need to manually bridge or swap before topping up.

5. Apple Pay & Google Pay

Add the card to Apple Pay or Google Pay for tap-to-pay at any contactless terminal. In some cases Apple or Google may reject the addition based on their own risk checks — but the card itself supports both wallets.

6. Spend from Tuyo Earn

USDC deposited in a Tuyo Earn yield strategy keeps earning until the moment you spend. Optionally, disable Earn-balance spending to draw only from your free USDC balance.

7. Privacy by design

Tuyo shields transaction details so your financial activity stays private — a meaningful differentiator in a market where most crypto cards share full merchant data with custodial partners.

8. $10,000/day spend limit, scales with usage

The base daily limit is $10,000 and increases as your account history grows. Limits are designed to grow with the user rather than capping out at a fixed ceiling.

9. Buy Now, Pay Maybe program

Tuyo operates an optional BNPM program (Buy Now, Pay Maybe) governed by Tuyo's own terms — not available in jurisdictions where prohibited by law.

10. Physical card in development

Currently the Tuyo Card is virtual-only, but a physical card is in the works and will be available soon. Existing cardholders will be first in line.

11. KYC resubmission

If your KYC is rejected (unclear photos, document issues, unsupported occupation codes), you can re-submit with corrected details. Throughout the process you retain full control of your funds.

12. No fee on USD spend

USD-denominated transactions are completely free. The only cost is a small FX spread (up to ~1%) when spending in a currency other than USD.

Supported Cryptocurrencies on the Tuyo Card

The Tuyo Card is a stablecoin-first product. The card itself draws from USDC on Base, but you can deposit a wide variety of tokens across major chains and convert them to Base USDC for free inside the Tuyo app.

Card spend currency

• USDC on Base — the only card-compatible balance. Tuyo auto-converts any deposited token to Base USDC at no cost.

Deposit & convert (free in-app)

Deposit any token on these chains and convert to USDC on Base for free inside Tuyo:

• Ethereum (ETH, USDT, USDC, DAI, LDO, UNI, etc.)
• Base (USDC, ETH, DEGEN, BRETT, etc.)
• Arbitrum (ARB, USDC, USDT, etc.)
• Optimism (OP, USDC, etc.)
• Polygon (MATIC/POL, USDC, USDT, etc.)

How spending works

1. Deposit any token on a supported chain into your self-custodial Tuyo wallet.
2. Inside the app, convert the token to USDC on Base — free of charge.
3. Your Tuyo Visa card balance is now ready to spend at any Visa-accepting merchant, online, in-store, or via Apple Pay / Google Pay.
4. At point of sale, Tuyo authorizes the spend against your self-custodial balance; the merchant receives USD via Visa.
5. USD transactions incur 0% fee. Non-USD transactions incur a small FX spread (up to ~1%).

Fiat supported

The card settles in USD. Tuyo's partner, Bridge, handles conversion between fiat and stablecoins via virtual bank account numbers. Fiat services are licensed in the U.S. and compliant with EEA regulations.

USDC on Base — why it matters

USDC on Base combines the stability of USDC with the low gas and fast confirmation of Base. This keeps the cost of card top-ups effectively zero — you can top up frequently without worrying about chain fees eating your balance.

Tuyo Card Fees & Limits

Tuyo's fee schedule is one of the simplest in the crypto card market. Every line item listed on the official card page at tuyo.com/card is summarized below.

Fee schedule

Limits

Other important details

• Card KYC: Required. If KYC is rejected, you can resubmit with corrected details — your funds remain in your full control throughout.
• Apple Pay / Google Pay: Supported. Occasionally Apple or Google may reject a card addition based on their own internal risk checks (device, location, account history).
• Supported deposit chains: Ethereum, Base, Arbitrum, Optimism, Polygon. Any token deposited on these chains can be converted to Base USDC for free inside Tuyo.
• Spend from Earn: Optional. USDC in a Tuyo Earn strategy can be spent directly; the balance keeps earning until the moment of spend. You can disable this in-app.
• Geographic exclusions: The website and services are not intended for, and should not be accessed by, people located in the United Kingdom. Other jurisdictional restrictions may apply based on local law.