Self-custody Visa card
A self-custody virtual Visa card for spending Base USDC with Apple Pay and Google Pay. Buy Now, Pay Maybe can discount a selected purchase by up to 100%, while TUYO points and optional Earn vaults remain separate benefits.
Why it stands out
Main trade-offs
01 · Core economics
Start with the recurring plan cost, funding, FX and cash-access fees. These numbers drive most of the real-world cost.
02 · Rewards programme
Tuyo has two separate reward mechanics. Buy Now, Pay Maybe is conditional cashback through a transaction discount; TUYO points are a separate programme with an in-app earning rate and no current monetary value.
Conditional cashback
Tuyo may discount part or all of a selected purchase. The 100% maximum describes a fully discounted transaction, not an expected or guaranteed earning rate.
No transaction is guaranteed to receive a BNPM discount
A selected purchase may be fully discounted to a $0 debit
Transaction-value discount; no separate asset is paid out
No official frequency, transaction cap or monthly cap
Points programme
Card spend also earns TUYO points independently of BNPM. The public site sends users to the app for the current rate, and the points have no current cash value.
No numeric public earning schedule
Not currently tradable or transferable
No guaranteed cash or token conversion
At least 20% to users and community; no individual entitlement
03 · Everyday use
Card access, mobile wallets and account rails are separated so missing channels are easy to spot.
04 · Money in and out
Receive and send rails are separated. Fees, speed, limits and availability stay attached to the route where they apply.
1 route
Polygon
Via connected wallet
USDC: Ethereum, Base, Arbitrum, Optimism, Polygon
Supported asset and network combinations
wallet
The exact input-token allowlist is not publicly enumerated; only USDC is asserted here.
1 route
Via connected wallet
USD and MXN convert to USDC; EUR converts to EURC. The virtual account is not a bank account and is not FDIC insured.
Receiving and conversion fees are not fully disclosed
Not publicly confirmed
virtual account
Assets stay in the connected wallet until an authorized spend or transfer action.
How a received asset reaches the spendable balance depends on the supported asset and account setup.
1 route
Polygon
Via connected wallet
USDC: Ethereum, Base, Arbitrum, Optimism, Polygon
Ethereum, Base, Arbitrum, Optimism and Polygon
External blockchain network fees can apply; no card-fee score impact
Not publicly confirmed
wallet
Tuyo supports wallet transfers to third parties.
05 · Optional product
This yield product requires a separate deposit. APY is variable, and neither return nor principal is guaranteed.
Up to 11% APY
06 · Trust and eligibility
Eligibility, identity checks and provider responsibilities are kept separate.
Identity verification is required to access card services.
The profile lists known restrictions rather than a complete allowed-country list.
Only concrete responsibilities and identified organisations are shown.
Public-facing product and account experience; legal operators are listed separately when confirmed.
Retains control of funds until payment.
Self-custodyCandidate issuer named in the international cardholder agreement.
Applies to: International cardholder programme; other regional issuer mechanics may differ.Candidate card-issuance services partner; Rain is not presented as a bank or asset custodian.
Applies to: Approved for the programme scope described by the cited source.Candidate fiat-conversion and virtual-account services partner; Bridge is not a bank.
Applies to: Approved for the programme scope described by the cited source.Markets the card to Nigerian users and handles the region-specific role described by the agreement.
Jurisdiction: Nigeria · Applies to: Nigeria programme only.07 · Methodology
The score weighs practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the company and provider stack. Undisclosed data does not boost the score.
Higher is better
Named programme infrastructure includes Third National (issuer), Signify Holdings, Inc. (Rain) (processing), Bridge Ventures, Inc. (Bridge) (on/off-ramp) and BANEX Microfinance Bank Limited (banking).
Self-custody; funds remain user-controlled before payment.
No purchase cashback is included in the confirmed product terms.
08 · Evidence
We review every published fact and value on this page against source evidence. Official product, fee, membership and legal sources are used for the terms that affect cost, eligibility, rewards and custody.
Help keep this page accurate
Tell us what changed and, if possible, include an official source. We review corrections before updating public card facts.