TuyoTuyo
74
Side-by-side card comparison
Tuyo vs Solayer Pay: overall score versus use-case fit
Tuyo Card has the higher Overall Score by 19 points (74 vs 55). Tuyo Card looks stronger for Cashback, Funds control, Lowest fees, and Transfers, while Solayer Pay Card comes out ahead for Travel.
Information checked Aug 12, 202637 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. Solayer Pay Card may be the better fit for Travel. 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.
OverallTuyo74Solayer Pay55Higher score
CashbackTuyo39Solayer Pay20Higher score
TravelTuyo42Solayer Pay53Higher score
Funds controlTuyo100Solayer Pay47Higher score
Lowest feesTuyo71Solayer Pay43Higher score
TransfersTuyo72Solayer Pay29Higher score
Choose Tuyo Card if cashback and funds control matter most
Tuyo Card comes out ahead for Cashback, Funds control, 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.
- Self-custody wallet control
- Virtual Visa with both phone wallets
- Multichain USDC funding and spendable Earn
Choose Solayer Pay Card if travel matters most
Solayer Pay Card comes out ahead for Travel in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Virtual and physical Visa cards
- Spend USDC from Solana
- sUSD can earn while spendable
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
- Tuyo74Solayer Pay55
Tuyo Card has the higher Overall Score by 19 points.
- Entry cost & FX
- Tuyo$0 plan · 1–3% FXSolayer Pay$20/year plan · Up to 3% stated + $0.10; components may stack FX
Tuyo Card has the lower starting plan cost ($0 vs $20/year).
- Purchase rewards
- Tuyo0% base · up to 100%Solayer Pay0% base
Both cards show the same base cashback rate of 0%.
- Funds control
- TuyoSelf-controlled walletSolayer PayCustodial balance
Tuyo Card uses a self-controlled wallet setup, while Solayer Pay Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- TuyoVirtual · Apple Pay, Google PaySolayer PayVirtual + Physical · Apple Pay, Google Pay
Solayer Pay Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Tuyo1 stablecoin · Stablecoin transfersSolayer Pay1 stablecoin · Not modeled
Tuyo Card lists more stablecoins and ways to send money out (2 vs 1).
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% base
- Plan cost
- $20/year
- FX fee
- Up to 3% stated + $0.10; components may stack
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 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 CardOverall74Solayer Pay CardOverall55
Tuyo CardOverall74Solayer Pay CardOverall55Scores
6 fields- Overall Score
- Tuyo Card74Solayer Pay Card55
- Cashback score
- Tuyo Card39Solayer Pay Card20
- Travel score
- Tuyo Card42Solayer Pay Card53
- Funds control score
- Tuyo Card100Solayer Pay Card47
- Lowest fees score
- Tuyo Card71Solayer Pay Card43
- Transfers score
- Tuyo Card72Solayer Pay Card29
Strengths & trade-offs
2 fields- Strengths
- Tuyo CardSelf-custody wallet control, Virtual Visa with both phone walletsSolayer Pay CardVirtual and physical Visa cards, Spend USDC from Solana
- Trade-offs
- Tuyo CardReward value is unpredictable, Virtual-only with no ATM accessSolayer Pay CardPurchases earn Emerald Points, FX costs vary by region
Costs
7 fields- Plan cost
- Tuyo Card$0Solayer Pay Card$20/year
- FX fee
- Tuyo Card1–3%Solayer Pay CardUp to 3% stated + $0.10; components may stack
- Top-up fee
- Tuyo CardNot disclosedSolayer Pay Card1%
- Card spending fee
- Tuyo Card0%Solayer Pay Card$0.15
- ATM fee
- Tuyo CardNot availableSolayer Pay CardNot disclosed
- Virtual card
- Tuyo CardFreeSolayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base plan
- Physical card
- Tuyo CardComing soon; not currently availableSolayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99
Plans
2 fields- Available plans
- Tuyo CardNot disclosedSolayer Pay Card1 plans: Solayer Pay
- Top cashback plan
- Tuyo CardNot disclosedSolayer Pay CardNot disclosed
Everyday use
8 fields- Network
- Tuyo CardVisaSolayer Pay CardVisa
- Card formats
- Tuyo CardVirtualSolayer Pay CardVirtual, Physical
- ATM withdrawals
- Tuyo CardNot availableSolayer Pay CardAvailable
- Mobile wallets
- Tuyo CardApple Pay, Google PaySolayer Pay CardApple Pay, Google Pay
- Apps
- Tuyo CardiOS, AndroidSolayer Pay CardiOS, Android
- Daily spending limit
- Tuyo CardUp to $10,000 per day; limits can change with usage and account history.Solayer Pay CardShown in app
- Monthly spending limit
- Tuyo CardNo fixed monthly card-spend limit is publicly disclosed.Solayer Pay CardShown in app
- ATM limit
- Tuyo CardATM withdrawals are not currently supported.Solayer Pay CardLimits shown in app
Funding & transfers
5 fields- Networks
- Tuyo CardEthereum, Base, Arbitrum, Optimism, PolygonSolayer Pay CardSolana
- Crypto deposits
- Tuyo CardStablecoins: USDCSolayer Pay CardStablecoins: USDC
- Fiat deposits
- Tuyo CardVirtual-account receivingSolayer Pay CardNot disclosed
- Transfers
- Tuyo CardStablecoin transfersSolayer Pay CardNot disclosed
- Payout currencies
- Tuyo CardNot disclosedSolayer Pay CardNot disclosed
Rewards
3 fields- Base cashback
- Tuyo Card0%Solayer Pay Card0%
- Max cashback
- Tuyo Card100%Solayer Pay CardNot disclosed
- Reward currency
- Tuyo CardUSDSolayer Pay CardEmerald Points
Earn
5 fields- Advertised APY
- Tuyo CardUp to 11% APYSolayer Pay CardUp to 3.5% APY
- How it works
- Tuyo CardEarn on spending balance, Optional earn vaultSolayer Pay CardEarn on spending balance
- Separate deposit
- Tuyo CardYesSolayer Pay CardNo
- Use balance for spending
- Tuyo CardYesSolayer Pay CardYes
- Lock-up
- Tuyo CardNot disclosedSolayer Pay CardNo
Trust & availability
8 fields- Custody
- Tuyo CardSelf-custodySolayer Pay CardCustodial
- Control until payment
- Tuyo CardYou keep controlSolayer Pay CardProvider controls funds
- Card issuer
- Tuyo CardThird NationalSolayer Pay CardThird National
- Card processing
- Tuyo CardSignify Holdings, Inc. (Rain)Solayer Pay CardNot disclosed
- Deposits & withdrawals
- Tuyo CardBridge Ventures, Inc. (Bridge)Solayer Pay CardNot disclosed
- Bank transfers
- Tuyo CardBANEX Microfinance Bank LimitedSolayer Pay CardNot disclosed
- Identity verification
- Tuyo CardNot disclosedSolayer Pay CardSumsub
- Programme operator
- Tuyo CardNot disclosedSolayer Pay CardSolayer Labs, Inc.
Sources
2 fields- Official sources
- Tuyo Card12Solayer Pay Card25
- Last reviewed
- Tuyo CardAug 5, 2026Solayer Pay CardAug 12, 2026
04 · The trade-off
Tuyo Card is the stronger all-round choice
Tuyo Card finishes ahead with an Overall Score of 74 versus 55 for Solayer Pay Card. Tuyo Card has the lower starting plan cost ($0 vs $20/year). Both cards show the same base cashback rate of 0%.
Solayer Pay Card still comes out ahead for Travel, 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 Solayer Pay Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Tuyo Card lists more stablecoins and ways to send money out (2 vs 1). 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 Solayer Pay Card reviews first.
Continue with
Tuyo Card
Continue with
Solayer Pay Card
05 · Common questions
Tuyo vs Solayer Pay FAQ
Is Tuyo or Solayer Pay better overall?
Tuyo Card has the higher Overall Score (74 vs 55). 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 Solayer Pay?
Tuyo Card has the lower starting plan cost ($0 vs $20/year). 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 Solayer Pay?
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 Solayer Pay differ on custody?
Tuyo Card uses a self-controlled wallet setup, while Solayer Pay Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Tuyo vs Solayer Pay comparison?
The latest information check for these two cards was August 12, 2026, using 37 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.