Self-custody Visa card
Tuyo links self-custody Base USDC to a virtual Visa and phone wallets, alongside conditional Buy Now, Pay Maybe discounts and TUYO points. Card spending, the optional vault and the two reward programmes remain separate parts of the product.
Main strengths
Main trade-offs
01 · Core economics
Tuyo Card has a $0 recurring entry cost. Funding, conversion, FX and cash-access charges are shown separately below.
02 · Rewards programme
Tuyo offers two reward mechanics: Buy Now, Pay Maybe can discount a selected purchase, while card spend earns TUYO points in the app. No cash or token conversion is currently offered.
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 earns TUYO points independently of BNPM, with the current earning rate shown in the app.
No numeric public earning schedule
Not currently tradable or transferable
No transfer or redemption route is currently offered
At least 20% to users and community; no individual entitlement
03 · Everyday use
See the available card formats, phone wallets and account rails, plus any channels that are still being confirmed.
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
Tuyo Earn vaults adds a variable yield option through a separate deposit. Move funds back to the spending balance when direct card spend is not supported.
Up to 11% APY
06 · Trust and eligibility
See current signup reach, identity checks and the organisations behind the card.
Identity verification is required to access card services.
Known restrictions are listed, but a complete allowed-country list is not available.
The named organisations and their current roles are listed below.
Provides the product and account experience. Named legal operators appear separately.
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 combines practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the provider stack.
Missing or undisclosed fields receive no positive credit.
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.
09 · Card comparison
A side-by-side look at cards built around stablecoin funding, everyday Visa access and money movement.
Users keep private keys; card charges follow a separate regional account model.
Users keep control of wallet funds while card settlement runs through partners.
Compare up to four cards in detail across fees, rewards, everyday use, money movement, custody and more.
10 · Evidence
We check every published fact and value against official product, fee, membership and legal information covering costs, 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.
