TuyoTuyo
74
Side-by-side card comparison
Tuyo vs Coin98 Fusion: overall score versus use-case fit
Tuyo Card has the higher Overall Score by 14 points (74 vs 60). Tuyo Card looks stronger for Cashback, Funds control, and Transfers, while Coin98 Fusion Card comes out ahead for Travel and Lowest fees.
Information checked Aug 5, 202635 official sources reviewed
01 · Overall score versus use-case fit
Tuyo Card is the better all-round starting point
Tuyo Card has the higher Overall Score in this comparison. Coin98 Fusion Card may be the better fit for Travel and Lowest fees. 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.
OverallTuyo74Coin98 Fusion60Higher score
CashbackTuyo39Coin98 Fusion17Higher score
TravelTuyo42Coin98 Fusion65Higher score
Funds controlTuyo100Coin98 Fusion64Higher score
Lowest feesTuyo71Coin98 Fusion72Higher score
TransfersTuyo72Coin98 Fusion39Higher score
Choose Tuyo Card if cashback and funds control matter most
Tuyo Card comes out ahead for Cashback, Funds control, and Transfers 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
Choose Coin98 Fusion Card if travel and lowest fees matter most
Coin98 Fusion Card comes out ahead for Travel and Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Virtual Visa with both phone wallets
- USDC and USDT top-ups on five networks
- No monthly or annual card fee
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
- Tuyo74Coin98 Fusion60
Tuyo Card has the higher Overall Score by 14 points.
- Entry cost & FX
- Tuyo$0 plan · 1–3% FXCoin98 Fusion$0 plan · 1.7% foreign-currency conversion FX
Coin98 Fusion Card has the lower published FX fee (1.7% foreign-currency conversion vs 1–3%).
- Purchase rewards
- Tuyo0% base · up to 100%Coin98 Fusion0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- TuyoSelf-controlled walletCoin98 FusionHybrid custody
Tuyo Card uses a self-controlled wallet setup, while Coin98 Fusion Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- TuyoVirtual · Apple Pay, Google PayCoin98 FusionVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Tuyo1 stablecoin · Stablecoin transfersCoin98 Fusion2 stablecoins · Not modeled
Both cards list the same number of stablecoins and ways to send money out.
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%-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
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 1.7% foreign-currency conversion
- ATM fee
- 1% or SGD 5, whichever is higher, plus any ATM-operator surcharge
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
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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
CardsTuyo CardOverall74Coin98 Fusion CardOverall60
Tuyo CardOverall74Coin98 Fusion CardOverall60Scores
6 fields- Overall Score
- Tuyo Card74Coin98 Fusion Card60
- Cashback score
- Tuyo Card39Coin98 Fusion Card17
- Travel score
- Tuyo Card42Coin98 Fusion Card65
- Funds control score
- Tuyo Card100Coin98 Fusion Card64
- Lowest fees score
- Tuyo Card71Coin98 Fusion Card72
- Transfers score
- Tuyo Card72Coin98 Fusion Card39
Strengths & trade-offs
2 fields- Strengths
- Tuyo CardSelf-custody wallet control, Virtual Visa with both phone walletsCoin98 Fusion CardVirtual Visa with both phone wallets, USDC and USDT top-ups on five networks
- Trade-offs
- Tuyo CardReward value is unpredictable, Virtual-only with no ATM accessCoin98 Fusion CardEvergreen rewards are not verified, Top-up, FX and ATM fees apply
Costs
7 fields- Plan cost
- Tuyo Card$0Coin98 Fusion Card$0
- FX fee
- Tuyo Card1–3%Coin98 Fusion Card1.7% foreign-currency conversion
- Top-up fee
- Tuyo CardNot disclosedCoin98 Fusion Card1%
- Card spending fee
- Tuyo Card0%Coin98 Fusion CardNot disclosed
- ATM fee
- Tuyo CardNot availableCoin98 Fusion Card1% or SGD 5, whichever is higher, plus any ATM-operator surcharge
- Virtual card
- Tuyo CardFreeCoin98 Fusion CardUSD 9 issuance/activation fee
- Physical card
- Tuyo CardComing soon; not currently availableCoin98 Fusion CardNot applicable while the physical card is under development
Plans
2 fields- Available plans
- Tuyo CardNot disclosedCoin98 Fusion CardNot disclosed
- Top cashback plan
- Tuyo CardNot disclosedCoin98 Fusion CardNot disclosed
Everyday use
8 fields- Network
- Tuyo CardVisaCoin98 Fusion CardVisa
- Card formats
- Tuyo CardVirtualCoin98 Fusion CardVirtual
- ATM withdrawals
- Tuyo CardNot availableCoin98 Fusion CardAvailable
- Mobile wallets
- Tuyo CardApple Pay, Google PayCoin98 Fusion CardApple Pay, Google Pay
- Apps
- Tuyo CardiOS, AndroidCoin98 Fusion CardiOS, Android
- Daily spending limit
- Tuyo CardUp to $10,000 per day; limits can change with usage and account history.Coin98 Fusion CardNo daily card-spend limit published; SGD 200,000 rolling 12-month spending limit
- Monthly spending limit
- Tuyo CardNo fixed monthly card-spend limit is publicly disclosed.Coin98 Fusion CardNo monthly card-spend limit published; SGD 200,000 rolling 12-month spending limit
- ATM limit
- Tuyo CardATM withdrawals are not currently supported.Coin98 Fusion CardSGD 10,000 per day and SGD 100,000 per month; per-transaction cap unclear
Funding & transfers
5 fields- Networks
- Tuyo CardEthereum, Base, Arbitrum, Optimism, PolygonCoin98 Fusion CardEthereum, Solana, Polygon, Base, Tron
- Crypto deposits
- Tuyo CardStablecoins: USDCCoin98 Fusion CardStablecoins: USDC, USDT
- Fiat deposits
- Tuyo CardVirtual-account receivingCoin98 Fusion CardNot disclosed
- Transfers
- Tuyo CardStablecoin transfersCoin98 Fusion CardNot disclosed
- Payout currencies
- Tuyo CardNot disclosedCoin98 Fusion CardNot disclosed
Rewards
3 fields- Base cashback
- Tuyo Card0%Coin98 Fusion Card0%
- Max cashback
- Tuyo Card100%Coin98 Fusion Card0%
- Reward currency
- Tuyo CardUSDCoin98 Fusion CardNot applicable
Earn
5 fields- Advertised APY
- Tuyo CardUp to 11% APYCoin98 Fusion CardNot offered
- How it works
- Tuyo CardEarn on spending balance, Optional earn vaultCoin98 Fusion CardNot offered
- Separate deposit
- Tuyo CardYesCoin98 Fusion CardNot offered
- Use balance for spending
- Tuyo CardYesCoin98 Fusion CardNot offered
- Lock-up
- Tuyo CardNot disclosedCoin98 Fusion CardNot offered
Trust & availability
6 fields- Custody
- Tuyo CardSelf-custodyCoin98 Fusion CardHybrid custody
- Control until payment
- Tuyo CardYou keep controlCoin98 Fusion CardProvider controls funds
- Card issuer
- Tuyo CardThird NationalCoin98 Fusion CardDCS Card Centre Pte. Ltd.
- Card processing
- Tuyo CardSignify Holdings, Inc. (Rain)Coin98 Fusion CardNot disclosed
- Deposits & withdrawals
- Tuyo CardBridge Ventures, Inc. (Bridge)Coin98 Fusion CardNot disclosed
- Bank transfers
- Tuyo CardBANEX Microfinance Bank LimitedCoin98 Fusion CardNot disclosed
Sources
2 fields- Official sources
- Tuyo Card12Coin98 Fusion Card23
- Last reviewed
- Tuyo CardAug 5, 2026Coin98 Fusion CardAug 5, 2026
04 · The trade-off
Tuyo Card is the stronger all-round choice
Tuyo Card finishes ahead with an Overall Score of 74 versus 60 for Coin98 Fusion Card. Coin98 Fusion Card has the lower published FX fee (1.7% foreign-currency conversion vs 1–3%). Both cards show the same base cashback rate of 0%.
Coin98 Fusion Card still comes out ahead for Travel and Lowest fees, which may matter more than the overall result if that is how you plan to use the card. Tuyo Card uses a self-controlled wallet setup, while Coin98 Fusion Card uses a hybrid custody 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 Tuyo Card and Coin98 Fusion Card reviews first.
Continue with
Tuyo Card
Continue with
Coin98 Fusion Card
05 · Common questions
Tuyo vs Coin98 Fusion FAQ
Is Tuyo or Coin98 Fusion better overall?
Tuyo Card has the higher Overall Score (74 vs 60). 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, Tuyo or Coin98 Fusion?
Coin98 Fusion Card has the lower published FX fee (1.7% foreign-currency conversion 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, Tuyo or Coin98 Fusion?
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 Tuyo and Coin98 Fusion differ on custody?
Tuyo Card uses a self-controlled wallet setup, while Coin98 Fusion Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Tuyo vs Coin98 Fusion comparison?
The latest information check for these two cards was August 5, 2026, using 35 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.