TuyoTuyo
76
Side-by-side card comparison
Tuyo vs Ethena Pay: overall score versus use-case fit
Ethena Pay Card has the higher Overall Score by 11 points (87 vs 76). Tuyo Card looks stronger for Travel and Funds control, while Ethena Pay Card comes out ahead for Cashback, Lowest fees, and Transfers.
Information checked Oct 16, 202625 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 Travel 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.
OverallTuyo76Ethena Pay87Higher score
CashbackTuyo40Ethena Pay89Higher score
TravelTuyo69Ethena Pay68Higher score
Funds controlTuyo100Ethena Pay86Higher score
Lowest feesTuyo70Ethena Pay87Higher score
TransfersTuyo70Ethena Pay82Higher score
Choose Tuyo Card if travel and funds control matter most
Tuyo Card comes out ahead for Travel 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
- USDC funding and optional Cash interest
Choose Ethena Pay Card if cashback and lowest fees matter most
Ethena Pay Card comes out ahead for Cashback, 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
- Tuyo76Ethena Pay87
Ethena Pay Card has the higher Overall Score by 11 points.
- Entry cost & FX
- Tuyo$0 plan · 1–2% FXEthena Pay$0 plan · 0–1% FX
Ethena Pay Card has the lower published FX fee (0–1% vs 1–2%).
- 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 3).
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
- 1–2%
- ATM fee
- Operator/bank charges may apply; included within the $250 withdrawal maximum
- 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
- 0–1%
- ATM fee
- $1 + 0.65% where ATM access is available; separate operator surcharge may apply
- 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 CardOverall76Ethena Pay CardOverall87
Tuyo CardOverall76Ethena Pay CardOverall87Scores
6 fields- Overall Score
- Tuyo Card76Ethena Pay Card87
- Cashback score
- Tuyo Card40Ethena Pay Card89
- Travel score
- Tuyo Card69Ethena Pay Card68
- Funds control score
- Tuyo Card100Ethena Pay Card86
- Lowest fees score
- Tuyo Card70Ethena Pay Card87
- Transfers score
- Tuyo Card70Ethena 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, Physical card is still plannedEthena 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 Card1–2%Ethena Pay Card0–1%
- 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 CardOperator/bank charges may apply; included within the $250 withdrawal maximumEthena Pay Card$1 + 0.65% where ATM access is available; separate operator surcharge may apply
- 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 CardAvailableEthena Pay CardNot disclosed
- Mobile wallets
- Tuyo CardApple Pay, Google PayEthena Pay CardApple Pay
- Apps
- Tuyo CardiOS, AndroidEthena Pay CardiOS, Web
- Daily spending limit
- Tuyo CardNew cards: up to $50,000/day; can rise to $100,000 after $50,000 cumulative purchases and $200,000 after $100,000Ethena 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 Card$250 per withdrawal including operator surcharge; at most 3 attempts in any rolling 24 hours, including declinesEthena Pay CardNot available
Funding & transfers
5 fields- Networks
- Tuyo CardEthereum, Base, Arbitrum, BNB Smart Chain, 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 CardNot disclosedEthena 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 Card13
- Last reviewed
- Tuyo CardOct 16, 2026Ethena Pay CardOct 6, 2026
04 · The trade-off
Ethena Pay Card is the stronger all-round choice
Ethena Pay Card finishes ahead with an Overall Score of 87 versus 76 for Tuyo Card. Ethena Pay Card has the lower published FX fee (0–1% vs 1–2%). Ethena Pay Card has the higher published base cashback rate (4% vs 0%).
Tuyo Card still comes out ahead for Travel and 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 3). 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 (87 vs 76). 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 (0–1% 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, 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 October 16, 2026, using 25 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.