Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Tuyo: overall score versus use-case fit
Gnosis Pay has the higher Overall Score by 3 points (77 vs 74). Gnosis Pay looks stronger for Travel, Lowest fees, and Transfers, while Tuyo Card comes out ahead for Cashback and Funds control.
Information checked Aug 6, 202629 official sources reviewed
01 · Overall score versus use-case fit
Gnosis Pay is the better all-round starting point
Gnosis Pay has the higher Overall Score in this comparison. Tuyo Card may be the better fit for Cashback and Funds control. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallGnosis Pay77Tuyo74Higher score
CashbackGnosis Pay22Tuyo39Higher score
TravelGnosis Pay100Tuyo42Higher score
Funds controlGnosis Pay89Tuyo100Higher score
Lowest feesGnosis Pay87Tuyo71Higher score
TransfersGnosis Pay91Tuyo72Higher score
Choose Gnosis Pay if travel and lowest fees matter most
Gnosis Pay comes out ahead for Travel, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Spend stablecoins from a dedicated Safe
- SEPA IBAN funding fits euro users
- Visa card with wallet support
Choose Tuyo Card if cashback and funds control matter most
Tuyo Card comes out ahead for Cashback and Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody wallet control
- Virtual Visa with both phone wallets
- Multichain USDC funding and spendable Earn
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Gnosis Pay77Tuyo74
Gnosis Pay has the higher Overall Score by 3 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXTuyo$0 plan · 1–3% FX
Gnosis Pay has the lower published FX fee (0% vs 1–3%).
- Purchase rewards
- Gnosis Pay0% base · up to 5%Tuyo0% base · up to 100%
Both cards show the same base cashback rate of 0%.
- Funds control
- Gnosis PaySelf-controlled walletTuyoSelf-controlled wallet
Gnosis Pay and Tuyo Card use the same self-controlled wallet setup.
- Everyday access
- Gnosis PayVirtual + Physical · Apple Pay, Google PayTuyoVirtual · Apple Pay, Google Pay
Gnosis Pay lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Gnosis Pay3 stablecoins · Stablecoin transfers; IBAN outboundTuyo1 stablecoin · Stablecoin transfers
Gnosis Pay lists more stablecoins and ways to send money out (4 vs 2).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 0%-5%
- Plan cost
- $0
- FX fee
- 0%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 1 fiat
- Payout methods
- 0 crypto · 1 fiat
- Cashback
- 0%-100%
- Plan cost
- $0
- FX fee
- 1–3%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 fiat
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsGnosis PayOverall77Tuyo CardOverall74
Gnosis PayOverall77Tuyo CardOverall74Scores
6 fields- Overall Score
- Gnosis Pay77Tuyo Card74
- Cashback score
- Gnosis Pay22Tuyo Card39
- Travel score
- Gnosis Pay100Tuyo Card42
- Funds control score
- Gnosis Pay89Tuyo Card100
- Lowest fees score
- Gnosis Pay87Tuyo Card71
- Transfers score
- Gnosis Pay91Tuyo Card72
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersTuyo CardSelf-custody wallet control, Virtual Visa with both phone wallets
- Trade-offs
- Gnosis PaySetup is more complex than prepaid cards, Cashback depends on GNO programme rulesTuyo CardReward value is unpredictable, Virtual-only with no ATM access
Costs
7 fields- Plan cost
- Gnosis Pay$0Tuyo Card$0
- FX fee
- Gnosis Pay0%Tuyo Card1–3%
- Top-up fee
- Gnosis Pay0%Tuyo CardNot disclosed
- Card spending fee
- Gnosis Pay0%Tuyo Card0%
- ATM fee
- Gnosis Pay0–2%Tuyo CardNot available
- Virtual card
- Gnosis PayFree; available after the card application is acceptedTuyo CardFree
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeTuyo CardComing soon; not currently available
Plans
2 fields- Available plans
- Gnosis PayNot disclosedTuyo CardNot disclosed
- Top cashback plan
- Gnosis PayNot disclosedTuyo CardNot disclosed
Everyday use
8 fields- Network
- Gnosis PayVisaTuyo CardVisa
- Card formats
- Gnosis PayVirtual, PhysicalTuyo CardVirtual
- ATM withdrawals
- Gnosis PayAvailableTuyo CardNot available
- Mobile wallets
- Gnosis PayApple Pay, Google PayTuyo CardApple Pay, Google Pay
- Apps
- Gnosis PayWebTuyo CardiOS, Android
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionTuyo CardUp to $10,000 per day; limits can change with usage and account history.
- Monthly spending limit
- Gnosis PayNot disclosedTuyo CardNo fixed monthly card-spend limit is publicly disclosed.
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayTuyo CardATM withdrawals are not currently supported.
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainTuyo CardEthereum, Base, Arbitrum, Optimism, Polygon
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeTuyo CardStablecoins: USDC
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANTuyo CardVirtual-account receiving
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundTuyo CardStablecoin transfers
- Payout currencies
- Gnosis PayEUReTuyo CardNot disclosed
Rewards
3 fields- Base cashback
- Gnosis Pay0%Tuyo Card0%
- Max cashback
- Gnosis Pay5%Tuyo Card100%
- Reward currency
- Gnosis PayGNO cashbackTuyo CardUSD
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredTuyo CardUp to 11% APY
- How it works
- Gnosis PayNot offeredTuyo CardEarn on spending balance, Optional earn vault
- Separate deposit
- Gnosis PayNot offeredTuyo CardYes
- Use balance for spending
- Gnosis PayNot offeredTuyo CardYes
- Lock-up
- Gnosis PayNot offeredTuyo CardNot disclosed
Trust & availability
9 fields- Custody
- Gnosis PaySelf-custodyTuyo CardSelf-custody
- Control until payment
- Gnosis PayYou keep controlTuyo CardYou keep control
- Card issuer
- Gnosis PayMonavateTuyo CardThird National
- Card processing
- Gnosis PayPaymentologyTuyo CardSignify Holdings, Inc. (Rain)
- Custody / key management
- Gnosis PaySafe{Wallet}Tuyo CardNot disclosed
- Deposits & withdrawals
- Gnosis PayNot disclosedTuyo CardBridge Ventures, Inc. (Bridge)
- Bank transfers
- Gnosis PayMoneriumTuyo CardBANEX Microfinance Bank Limited
- Identity verification
- Gnosis PaySumsubTuyo CardNot disclosed
- Programme operator
- Gnosis PayGnosis PayTuyo CardNot disclosed
Sources
2 fields- Official sources
- Gnosis Pay17Tuyo Card12
- Last reviewed
- Gnosis PayAug 6, 2026Tuyo CardAug 5, 2026
04 · The trade-off
Gnosis Pay is the stronger all-round choice
Gnosis Pay finishes ahead with an Overall Score of 77 versus 74 for Tuyo Card. Gnosis Pay has the lower published FX fee (0% vs 1–3%). Both cards show the same base cashback rate of 0%.
Tuyo Card still comes out ahead for Cashback and Funds control, which may matter more than the overall result if that is how you plan to use the card. Gnosis Pay and Tuyo Card use the same self-controlled wallet setup.
Gnosis Pay lists more stablecoins and ways to send money out (4 vs 2). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Gnosis Pay and Tuyo Card reviews first.
Continue with
Gnosis Pay
Continue with
Tuyo Card
05 · Common questions
Gnosis Pay vs Tuyo FAQ
Is Gnosis Pay or Tuyo better overall?
Gnosis Pay has the higher Overall Score (77 vs 74). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Gnosis Pay or Tuyo?
Gnosis Pay has the lower published FX fee (0% vs 1–3%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Gnosis Pay or Tuyo?
Both cards show the same base cashback rate of 0%. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Gnosis Pay and Tuyo differ on custody?
Gnosis Pay and Tuyo Card use the same self-controlled wallet setup.
How current is this Gnosis Pay vs Tuyo comparison?
The latest information check for these two cards was August 6, 2026, using 29 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.