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Compare fees, rewards and how each card works. Add or replace cards anytime.

Your comparison2 of 4 cards selected
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Unofficial MPChat-inspired card design concept; not an issued card design
52Overall

Best fit

  • MPChat Pay users allocating USDT to a separate Visa spending balance.
  • Choosing Cloud for online payments or Boundless for physical-card use.

Before you choose

  • Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX.
  • Cloud costs 10 USDT; Boundless costs 100 USDT and charges 2% for ATMs.
Read review
Tuyo Card front
76Overall

Best fit

  • Spending from a self-custody USD account through a virtual Visa.
  • Moving between bank transfers, crypto and card spending in one account.

Before you choose

  • Non-USD purchases outside the U.S. can add 1% FX plus a 1% abroad fee.
  • Buy Now, Pay Maybe discounts are random; TUYO points have no fixed cash value.
Read review
2 of 4 cards selected

Fees, rewards & everyday use

Compare the details

01

Scores

Overall Score
MPChat Card: 52
Tuyo Card: 76
Cashback score
MPChat Card: 18
Tuyo Card: 40
Travel score
MPChat Card: 72
Tuyo Card: 69
Funds control score
MPChat Card: 41
Tuyo Card: 100
Lowest fees score
MPChat Card: 60
Tuyo Card: 70
Transfers score
MPChat Card: 58
Tuyo Card: 70
02

Costs

Plan cost
MPChat Card: $0
Tuyo Card: $0
FX fee
MPChat Card: 0%
Tuyo Card: 1–2%
Top-up fee
MPChat Card: USDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to card
Tuyo Card: Not disclosed
Card spending fee
MPChat Card: 0.8%
Tuyo Card: 0%
ATM fee
MPChat Card: Boundless only: 2%, minimum $1; Cloud has no ATM access
Tuyo Card: Operator/bank charges may apply; included within the $250 withdrawal maximum
Virtual card
MPChat Card: Cloud: 10 USDT one time
Tuyo Card: Free
Physical card
MPChat Card: $100
Tuyo Card: Coming soon; not currently available
Asset conversion fee
MPChat Card: Not disclosed
Tuyo Card: 0%
03

Plans & rewards

Entry plan
MPChat Card: Cloud Card
Tuyo Card: Not listed
Base cashback
MPChat Card: Not disclosed
Tuyo Card: 0%
Max cashback
MPChat Card: Not disclosed
Tuyo Card: Up to 100%
Reward currency
MPChat Card: Not disclosed
Tuyo Card: USD
Cashback cap · entry plan
MPChat Card: Not disclosed
Tuyo Card: Not published
Reward payout
MPChat Card: Not disclosed
Tuyo Card: Not publicly disclosed
Programme opt-in
MPChat Card: Not disclosed
Tuyo Card: Not required
Points earned
MPChat Card: Not disclosed
Tuyo Card: In app only
Points asset
MPChat Card: Not disclosed
Tuyo Card: TUYO points
Points utility
MPChat Card: Not disclosed
Tuyo Card: In-app points balance
04

Everyday use

Network
MPChat Card: Visa
Tuyo Card: Visa
Card formats
MPChat Card: Virtual, Physical
Tuyo Card: Virtual
ATM withdrawals
MPChat Card: Available
Tuyo Card: Available
Mobile wallets
MPChat Card: Google Pay
Tuyo Card: Apple Pay, Google Pay
Apps
MPChat Card: Not disclosed
Tuyo Card: iOS, Android
Daily spending limit
MPChat Card: $250,000 / day
Tuyo Card: $50,000 / day
Monthly spending limit
MPChat Card: $1,000,000 / month
Tuyo Card: No fixed monthly card-spend limit is publicly disclosed.
ATM limit
MPChat Card: $1,500 / day
Tuyo Card: $250 / withdrawal
05

Money in & out

Networks
MPChat Card: Tron (TRC20)
Tuyo Card: Ethereum, Base, Arbitrum, BNB Smart Chain, Polygon
Stablecoin deposits
MPChat Card: USDT
Tuyo Card: USDC
Other crypto deposits
MPChat Card: Not disclosed
Tuyo Card: Not disclosed
Fiat deposits
MPChat Card: Not disclosed
Tuyo Card: Virtual-account receiving
Crypto transfers
MPChat Card: External USDT withdrawal
Tuyo Card: Outbound crypto transfer
Internal transfers
MPChat Card: Not disclosed
Tuyo Card: Not disclosed
Bank transfers
MPChat Card: Not disclosed
Tuyo Card: Not disclosed
Payout currencies
MPChat Card: Not disclosed
Tuyo Card: Not disclosed
06

Earn

Advertised APY
MPChat Card: Not offered
Tuyo Card: Not disclosed
How it works
MPChat Card: Not offered
Tuyo Card: Earn on spending balance, Optional earn vault
Separate deposit
MPChat Card: Not offered
Tuyo Card: Varies
Use balance for spending
MPChat Card: Not offered
Tuyo Card: Varies
Lock-up
MPChat Card: Not offered
Tuyo Card: Not disclosed
07

Trust & sources

Custody
MPChat Card: Custodial
Tuyo Card: Self-custody
Control until payment
MPChat Card: Provider controls funds
Tuyo Card: You keep control
Card issuer
MPChat Card: Not disclosed
Tuyo Card: Third National
Card processing
MPChat Card: Not disclosed
Tuyo Card: Signify Holdings, Inc. (Rain)
Deposits & withdrawals
MPChat Card: Not disclosed
Tuyo Card: Bridge Ventures, Inc. (Bridge)
Bank transfers
MPChat Card: Not disclosed
Tuyo Card: BANEX Microfinance Bank Limited
Official sources
MPChat Card: 30
Tuyo Card: 12
Last reviewed
MPChat Card: Nov 12, 2026
Tuyo Card: Nov 12, 2026

Using the comparison

Compare cards FAQ

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Yes. Select up to four cards. On a phone, two cards appear side by side. Tap the left or right card menu to show another selected card; the rest stay in your comparison.

How do I add or replace a card?

Open Change cards, choose two to four cards and apply your selection. The same control stays beside the section menu as you scroll through the table.

Which plan do the cashback figures describe?

Entry-plan and top-plan rewards have separate rows, with the plan name shown for each. A headline maximum can apply to a bonus category rather than every purchase. The info icons beside the figures show their qualifying terms.

What is the difference between the cashback caps?

A cashback cap limits the rewards you earn. A full-rate spend cap limits the purchases earning a particular rate; a lower rate may apply afterwards. A redemption cap limits how much you can redeem. These are separate rows because they measure different things.

Does Not disclosed mean a fee is zero?

No. It means we do not have a published figure for that item. Confirmed zero fees appear as 0% or $0. Tap an info icon for plan, asset or regional conditions attached to a published fee.

Do partner offers influence the scores?

No. Scores and rankings follow our published methodology. Partner links, signup offers and commissions never change those calculations.

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