MPChatMPChat
52
Side-by-side card comparison
MPChat vs Tuyo: where the score gap comes from
Tuyo Card has the higher Overall Score by 22 points (74 vs 52). The available use-case scores do not point to a clear winner, so compare the fees, control of funds, card access and availability that matter to you.
Information checked Sep 23, 202642 official sources reviewed
01 · Where the gap opens
Tuyo Card is the better all-round starting point
Tuyo Card has the higher Overall Score in this comparison. MPChat Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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.
OverallMPChat52Tuyo74Higher score
CashbackMPChat18Tuyo39Compare the details below
TravelMPChat72Tuyo42Compare the details below
Funds controlMPChat41Tuyo100Compare the details below
Lowest feesMPChat60Tuyo71Compare the details below
TransfersMPChat58Tuyo72Compare the details below
Choose MPChat Card if its day-to-day setup suits you
MPChat Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. Read the side-by-side details before deciding.
- Virtual and physical options
- No monthly card fee
- USDT funding on Tron
Choose Tuyo Card if its day-to-day setup suits you
Tuyo Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. Read the side-by-side details before deciding.
- Self-custody wallet control
- Virtual Visa with both phone wallets
- Multichain USDC funding and spendable Earn
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- MPChat52Tuyo74
Tuyo Card has the higher Overall Score by 22 points.
- Entry cost & FX
- MPChat$0 plan · 0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate FXTuyo$0 plan · 1–3% FX
MPChat Card has the lower published FX fee (0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate vs 1–3%).
- Purchase rewards
- MPChatNot disclosedTuyo0% base · up to 100%
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
- Funds control
- MPChatCustodial balanceTuyoSelf-controlled wallet
MPChat Card uses a custodial balance setup, while Tuyo Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- MPChatVirtual + Physical · Google PayTuyoVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- MPChat1 stablecoin · Stablecoin transfersTuyo1 stablecoin · Stablecoin transfers
Both cards list the same number of stablecoins and ways to send money out.
02 · Read the shortlist
Why one card starts ahead
These quick facts cover the costs, rewards and everyday features behind the early lead.
- Cashback
- Not disclosed
- Plan cost
- $0
- FX fee
- 0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate
- ATM fee
- Boundless only: 2%, minimum $1; Cloud has no ATM access
- Card formats
- Virtual, Physical
- Wallet payments
- Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 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
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. Signup offers are excluded from card scores.
MPChat Card
5 USDT after first virtual card approval
First virtual card referral reward
- Download MPChat through the referral link.
- Enter coupon ID 76912265 during activation of your first virtual card.
- Complete application and card approval; the reward is credited to MPChat Pay after approval.
Coupon ID76912265
MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.
Tuyo Card
No active signup offer listed
We do not currently list an active signup offer for this card.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
Test the lead, row by row
A better number is marked only when both providers publish values that can be compared fairly.
Best known Not disclosed
CardsMPChat CardOverall52Tuyo CardOverall74
MPChat CardOverall52Tuyo CardOverall74Scores
6 fields- Overall Score
- MPChat Card52Tuyo Card74
- Cashback score
- MPChat Card18Tuyo Card39
- Travel score
- MPChat Card72Tuyo Card42
- Funds control score
- MPChat Card41Tuyo Card100
- Lowest fees score
- MPChat Card60Tuyo Card71
- Transfers score
- MPChat Card58Tuyo Card72
Strengths & trade-offs
2 fields- Strengths
- MPChat CardVirtual and physical options, No monthly card feeTuyo CardSelf-custody wallet control, Virtual Visa with both phone wallets
- Trade-offs
- MPChat CardPurchase fee on each spend, Effective conversion cost unclearTuyo CardReward value is unpredictable, Virtual-only with no ATM access
Costs
7 fields- Plan cost
- MPChat Card$0Tuyo Card$0
- FX fee
- MPChat Card0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separateTuyo Card1–3%
- Top-up fee
- MPChat CardUSDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to cardTuyo CardNot disclosed
- Card spending fee
- MPChat Card$0.15 + 0.8%Tuyo Card0%
- ATM fee
- MPChat CardBoundless only: 2%, minimum $1; Cloud has no ATM accessTuyo CardNot available
- Virtual card
- MPChat CardCloud: 10 USDT one timeTuyo CardFree
- Physical card
- MPChat CardBoundless: 100 USDT one timeTuyo CardComing soon; not currently available
Plans
2 fields- Available plans
- MPChat Card2 plans: Cloud Card, Boundless CardTuyo CardNot disclosed
- Top cashback plan
- MPChat CardNot disclosedTuyo CardNot disclosed
Everyday use
8 fields- Network
- MPChat CardVisaTuyo CardVisa
- Card formats
- MPChat CardVirtual, PhysicalTuyo CardVirtual
- ATM withdrawals
- MPChat CardAvailableTuyo CardNot available
- Mobile wallets
- MPChat CardGoogle PayTuyo CardApple Pay, Google Pay
- Apps
- MPChat CardNot disclosedTuyo CardiOS, Android
- Daily spending limit
- MPChat CardUp to $250,000 and conservatively 50 purchases per day; app limits may be lowerTuyo CardUp to $10,000 per day; limits can change with usage and account history.
- Monthly spending limit
- MPChat CardUp to $1,000,000 per month; app limit may be lowerTuyo CardNo fixed monthly card-spend limit is publicly disclosed.
- ATM limit
- MPChat CardBoundless: up to $1,500 per withdrawal and day; $15,000 monthlyTuyo CardATM withdrawals are not currently supported.
Funding & transfers
5 fields- Networks
- MPChat CardTron (TRC20)Tuyo CardEthereum, Base, Arbitrum, Optimism, Polygon
- Crypto deposits
- MPChat CardStablecoins: USDTTuyo CardStablecoins: USDC
- Fiat deposits
- MPChat CardNot disclosedTuyo CardVirtual-account receiving
- Transfers
- MPChat CardStablecoin transfersTuyo CardStablecoin transfers
- Payout currencies
- MPChat CardNot disclosedTuyo CardNot disclosed
Rewards
3 fields- Base cashback
- MPChat CardNot disclosedTuyo Card0%
- Max cashback
- MPChat CardNot disclosedTuyo Card100%
- Reward currency
- MPChat CardNot disclosedTuyo CardUSD
Earn
5 fields- Advertised APY
- MPChat CardNot offeredTuyo CardUp to 11% APY
- How it works
- MPChat CardNot offeredTuyo CardEarn on spending balance, Optional earn vault
- Separate deposit
- MPChat CardNot offeredTuyo CardYes
- Use balance for spending
- MPChat CardNot offeredTuyo CardYes
- Lock-up
- MPChat CardNot offeredTuyo CardNot disclosed
Trust & availability
6 fields- Custody
- MPChat CardCustodialTuyo CardSelf-custody
- Control until payment
- MPChat CardProvider controls fundsTuyo CardYou keep control
- Card issuer
- MPChat CardNot disclosedTuyo CardThird National
- Card processing
- MPChat CardNot disclosedTuyo CardSignify Holdings, Inc. (Rain)
- Deposits & withdrawals
- MPChat CardNot disclosedTuyo CardBridge Ventures, Inc. (Bridge)
- Bank transfers
- MPChat CardNot disclosedTuyo CardBANEX Microfinance Bank Limited
Sources
2 fields- Official sources
- MPChat Card30Tuyo Card12
- Last reviewed
- MPChat CardSep 23, 2026Tuyo CardAug 5, 2026
04 · The verdict
Tuyo Card is the stronger all-round choice
Tuyo Card finishes ahead with an Overall Score of 74 versus 52 for MPChat Card. MPChat Card has the lower published FX fee (0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate vs 1–3%). The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
MPChat Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. MPChat Card uses a custodial balance setup, while Tuyo Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Both cards list the same number of stablecoins and ways to send money out. 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 MPChat Card and Tuyo Card reviews first.
Continue with
MPChat Card
Continue with
Tuyo Card
05 · Common questions
MPChat vs Tuyo FAQ
Is MPChat or Tuyo better overall?
Tuyo Card has the higher Overall Score (74 vs 52). 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, MPChat or Tuyo?
MPChat Card has the lower published FX fee (0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate 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, MPChat or Tuyo?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do MPChat and Tuyo differ on custody?
MPChat Card uses a custodial balance setup, while Tuyo Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this MPChat vs Tuyo comparison?
The latest information check for these two cards was September 23, 2026, using 42 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.