MPChatMPChat
52
Side-by-side card comparison
MPChat vs Tuyo
Tuyo Card has the higher Overall Score by 24 points (76 vs 52). MPChat Card looks stronger for Travel, while Tuyo Card comes out ahead for Cashback, Funds control, Lowest fees, and Transfers.
Latest check Nov 12, 202642 official sources reviewed
MPChat Card
Best fit
- MPChat Pay users allocating USDT to a separate Visa spending balance.
- Choosing Cloud for online payments or Boundless for physical-card use.
- Occasional card use with a one-time issuance price and no monthly plan fee.
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.
- The Web3 wallet cannot fund purchases directly; allocate funds from MPChat Pay.
Tuyo Card
Best fit
- Spending from a self-custody USD account through a virtual Visa.
- Moving between bank transfers, crypto and card spending in one account.
- Using optional interest on eligible USD Cash while keeping it card-spendable.
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.
- The migrated card spends USD Cash; withdraw Investments or convert EUR first.
Fees & features
Compare the details
CardsMPChat CardOverall52Tuyo CardOverall76
MPChat CardOverall52Tuyo CardOverall76Scores
- Overall Score
- MPChat Card52Tuyo Card76
- Cashback score
- MPChat Card18Tuyo Card40
- Travel score
- MPChat Card72Tuyo Card69
- Funds control score
- MPChat Card41Tuyo Card100
- Lowest fees score
- MPChat Card60Tuyo Card70
- Transfers score
- MPChat Card58Tuyo Card70
Costs
- Plan cost
- MPChat Card$0Tuyo Card$0
- FX fee
- MPChat Card0% MPChat FX markup; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are separateTuyo Card1–2%
- Top-up fee
- MPChat CardUSDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to cardTuyo CardNot disclosed
- Card spending fee
- MPChat Card$0.10 + 0.8%Tuyo Card0%
- ATM fee
- MPChat CardBoundless only: 2%, minimum $1; Cloud has no ATM accessTuyo CardOperator/bank charges may apply; included within the $250 withdrawal maximum
- Virtual card
- MPChat CardCloud: 10 USDT one timeTuyo CardFree
- Physical card
- MPChat CardBoundless: 100 USDT one timeTuyo CardComing soon; not currently available
Plans & rewards
- Available plans
- MPChat Card2 plans: Cloud Card, Boundless CardTuyo CardNot disclosed
- Top cashback plan
- MPChat CardNot disclosedTuyo CardNot disclosed
- Base cashback
- MPChat CardNot disclosedTuyo Card0%
- Max cashback
- MPChat CardNot disclosedTuyo Card100%
- Reward currency
- MPChat CardNot disclosedTuyo CardUSD
Everyday use
- Network
- MPChat CardVisaTuyo CardVisa
- Card formats
- MPChat CardVirtual, PhysicalTuyo CardVirtual
- ATM withdrawals
- MPChat CardAvailableTuyo CardAvailable
- 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 CardNew cards: up to $50,000/day; can rise to $100,000 after $50,000 cumulative purchases and $200,000 after $100,000
- 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 Card$250 per withdrawal including operator surcharge; at most 3 attempts in any rolling 24 hours, including declines
Funding & transfers
- Networks
- MPChat CardTron (TRC20)Tuyo CardEthereum, Base, Arbitrum, BNB Smart Chain, 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
Earn
- Advertised APY
- MPChat CardNot offeredTuyo CardNot disclosed
- How it works
- MPChat CardNot offeredTuyo CardEarn on spending balance, Optional earn vault
- Separate deposit
- MPChat CardNot offeredTuyo CardVaries
- Use balance for spending
- MPChat CardNot offeredTuyo CardVaries
- Lock-up
- MPChat CardNot offeredTuyo CardNot disclosed
Trust & availability
- 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
Sign-up Offers
MPChat Card
Partner offer5 USDT after first virtual card approval
Complete application and card approval; the reward is credited to MPChat Pay after approval.
MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.
Offer details & conditions
Tuyo Card
No active signup offer listed.
Choosing between these cards
When to choose MPChat or Tuyo
Keeping control of your funds
Tuyo suits spending while retaining control of your funds until payment. With MPChat, control passes to the provider before the purchase.
Paying with a physical card
MPChat offers a physical card, while Tuyo does not. For purchases that require the card itself rather than a phone wallet, consider MPChat and check its order and delivery terms.
Using an exchange account
Tuyo does not require a centralised-exchange account; MPChat does. Consider MPChat if you already want to use that exchange, or Tuyo if you want to avoid that account requirement.
Common questions
MPChat vs Tuyo FAQ
Is MPChat or Tuyo better overall?
Tuyo Card has the higher Overall Score (76 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; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are separate vs 1–2%). 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 November 12, 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.