TuyoTuyo
74
Side-by-side card comparison
Tuyo vs Ethena Pay: overall score versus use-case fit
Ethena Pay Card has the higher Overall Score by 12 points (86 vs 74). Tuyo Card looks stronger for Funds control, while Ethena Pay Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Information checked Sep 1, 202624 official sources reviewed
01 · Overall score versus use-case fit
Ethena Pay Card is the better all-round starting point
Ethena Pay Card has the higher Overall Score in this comparison. Tuyo Card may be the better fit for 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.
OverallTuyo74Ethena Pay86Higher score
CashbackTuyo39Ethena Pay89Higher score
TravelTuyo42Ethena Pay64Higher score
Funds controlTuyo100Ethena Pay86Higher score
Lowest feesTuyo71Ethena Pay87Higher score
TransfersTuyo72Ethena Pay82Higher score
Choose Tuyo Card if funds control matters most
Tuyo Card comes out ahead for 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
Choose Ethena Pay Card if cashback and travel matter most
Ethena Pay Card comes out ahead for Cashback, 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.
- Strong Standard cashback bands
- No Standard monthly fee or FX markup
- Collateral stays in linked wallets
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
- Tuyo74Ethena Pay86
Ethena Pay Card has the higher Overall Score by 12 points.
- Entry cost & FX
- Tuyo$0 plan · 1–3% FXEthena Pay$0 plan · 0% Ethena Pay markup; Visa rate applies FX
Ethena Pay Card has the lower published FX fee (0% Ethena Pay markup; Visa rate applies vs 1–3%).
- Purchase rewards
- Tuyo0% base · up to 100%Ethena Pay4% base · up to 5%
Ethena Pay Card has the higher published base cashback rate (4% vs 0%).
- Funds control
- TuyoSelf-controlled walletEthena PayHybrid custody
Tuyo Card uses a self-controlled wallet setup, while Ethena Pay 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 PayEthena PayVirtual · Apple Pay
Tuyo Card lists more card formats and phone-wallet options (3 vs 2).
- Money movement
- Tuyo1 stablecoin · Stablecoin transfersEthena Pay1 stablecoin · Stablecoin transfers; Ethena Pay user transfer; Bank withdrawal
Ethena Pay Card 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%-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
- 4%-5%
- Plan cost
- $0
- FX fee
- 0% Ethena Pay markup; Visa rate applies
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay
- Receive methods
- 0 crypto · 0 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
CardsTuyo CardOverall74Ethena Pay CardOverall86
Tuyo CardOverall74Ethena Pay CardOverall86Scores
6 fields- Overall Score
- Tuyo Card74Ethena Pay Card86
- Cashback score
- Tuyo Card39Ethena Pay Card89
- Travel score
- Tuyo Card42Ethena Pay Card64
- Funds control score
- Tuyo Card100Ethena Pay Card86
- Lowest fees score
- Tuyo Card71Ethena Pay Card87
- Transfers score
- Tuyo Card72Ethena Pay Card82
Strengths & trade-offs
2 fields- Strengths
- Tuyo CardSelf-custody wallet control, Virtual Visa with both phone walletsEthena Pay CardStrong Standard cashback bands, No Standard monthly fee or FX markup
- Trade-offs
- Tuyo CardReward value is unpredictable, Virtual-only with no ATM accessEthena Pay CardCard access is still application-gated, One-day payment grace adds liquidation risk
Costs
7 fields- Plan cost
- Tuyo Card$0Ethena Pay Card$0
- FX fee
- Tuyo Card1–3%Ethena Pay Card0% Ethena Pay markup; Visa rate applies
- Top-up fee
- Tuyo CardNot disclosedEthena Pay CardProvider collateral-funding fee unknown; external network gas is separate
- Card spending fee
- Tuyo Card0%Ethena Pay Card0%
- ATM fee
- Tuyo CardNot availableEthena Pay CardNot available
- Virtual card
- Tuyo CardFreeEthena Pay CardUSD 0
- Physical card
- Tuyo CardComing soon; not currently availableEthena Pay CardNot disclosed
Plans
2 fields- Available plans
- Tuyo CardNot disclosedEthena Pay Card3 plans: Standard, Pro, VIP
- Top cashback plan
- Tuyo CardNot disclosedEthena Pay CardVIP: 5%
Everyday use
8 fields- Network
- Tuyo CardVisaEthena Pay CardVisa
- Card formats
- Tuyo CardVirtualEthena Pay CardVirtual
- ATM withdrawals
- Tuyo CardNot availableEthena Pay CardNot available
- Mobile wallets
- Tuyo CardApple Pay, Google PayEthena Pay CardApple Pay
- Apps
- Tuyo CardiOS, AndroidEthena Pay CardiOS, Web
- Daily spending limit
- Tuyo CardUp to $10,000 per day; limits can change with usage and account history.Ethena Pay CardDynamic, based on collateral market value
- Monthly spending limit
- Tuyo CardNo fixed monthly card-spend limit is publicly disclosed.Ethena Pay CardDynamic, based on collateral market value
- ATM limit
- Tuyo CardATM withdrawals are not currently supported.Ethena Pay CardNot available
Funding & transfers
5 fields- Networks
- Tuyo CardEthereum, Base, Arbitrum, Optimism, PolygonEthena Pay CardEthereum, Polygon, Optimism, Arbitrum
- Crypto deposits
- Tuyo CardStablecoins: USDCEthena Pay CardNot disclosed
- Fiat deposits
- Tuyo CardVirtual-account receivingEthena Pay CardNot disclosed
- Transfers
- Tuyo CardStablecoin transfersEthena Pay CardStablecoin transfers; Ethena Pay user transfer; Bank withdrawal
- Payout currencies
- Tuyo CardNot disclosedEthena Pay CardNot disclosed
Rewards
3 fields- Base cashback
- Tuyo Card0%Ethena Pay Card4%
- Max cashback
- Tuyo Card100%Ethena Pay Card5%
- Reward currency
- Tuyo CardUSDEthena Pay CardAVAX
Earn
5 fields- Advertised APY
- Tuyo CardUp to 11% APYEthena Pay CardUp to 6% APY
- How it works
- Tuyo CardEarn on spending balance, Optional earn vaultEthena Pay CardEarn on spending balance
- Separate deposit
- Tuyo CardYesEthena Pay CardNo
- Use balance for spending
- Tuyo CardYesEthena Pay CardYes
- Lock-up
- Tuyo CardNot disclosedEthena Pay CardNo
Trust & availability
7 fields- Custody
- Tuyo CardSelf-custodyEthena Pay CardHybrid custody
- Control until payment
- Tuyo CardYou keep controlEthena Pay CardYou keep control
- Card issuer
- Tuyo CardThird NationalEthena Pay CardThird National
- Card processing
- Tuyo CardSignify Holdings, Inc. (Rain)Ethena Pay CardSignify Holdings, Inc. d/b/a Rain
- Deposits & withdrawals
- Tuyo CardBridge Ventures, Inc. (Bridge)Ethena Pay CardNot disclosed
- Bank transfers
- Tuyo CardBANEX Microfinance Bank LimitedEthena Pay CardNot disclosed
- Identity verification
- Tuyo CardNot disclosedEthena Pay CardSumsub
Sources
2 fields- Official sources
- Tuyo Card12Ethena Pay Card12
- Last reviewed
- Tuyo CardAug 5, 2026Ethena Pay CardSep 1, 2026
04 · The trade-off
Ethena Pay Card is the stronger all-round choice
Ethena Pay Card finishes ahead with an Overall Score of 86 versus 74 for Tuyo Card. Ethena Pay Card has the lower published FX fee (0% Ethena Pay markup; Visa rate applies vs 1–3%). Ethena Pay Card has the higher published base cashback rate (4% vs 0%).
Tuyo Card still comes out ahead for Funds control, 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 Ethena Pay Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
Ethena Pay Card 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 Tuyo Card and Ethena Pay Card reviews first.
Continue with
Tuyo Card
Continue with
Ethena Pay Card
05 · Common questions
Tuyo vs Ethena Pay FAQ
Is Tuyo or Ethena Pay better overall?
Ethena Pay Card has the higher Overall Score (86 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, Tuyo or Ethena Pay?
Ethena Pay Card has the lower published FX fee (0% Ethena Pay markup; Visa rate applies 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 Ethena Pay?
Ethena Pay Card has the higher published base cashback rate (4% vs 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 Ethena Pay differ on custody?
Tuyo Card uses a self-controlled wallet setup, while Ethena Pay 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 Ethena Pay comparison?
The latest information check for these two cards was September 1, 2026, using 24 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.