TuyoTuyo
74
Side-by-side card comparison
Tuyo vs XPlace: overall score versus use-case fit
Tuyo Card has the higher Overall Score by 6 points (74 vs 68). Tuyo Card looks stronger for Funds control, Lowest fees, and Transfers, while XPlace Card comes out ahead for Cashback and Travel.
Information checked Aug 27, 202638 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. XPlace Card may be the better fit for Cashback and 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.
OverallTuyo74XPlace68Higher score
CashbackTuyo39XPlace49Higher score
TravelTuyo42XPlace61Higher score
Funds controlTuyo100XPlace67Higher score
Lowest feesTuyo71XPlace69Higher score
TransfersTuyo72XPlace62Higher score
Choose Tuyo Card if funds control and lowest fees matter most
Tuyo Card comes out ahead for 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 XPlace Card if cashback and travel matter most
XPlace Card comes out ahead for Cashback and Travel in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Two distinct USDC spending modes
- Tiered USDC cashback with published caps
- Phone wallets and non-custodial collateral
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
- Tuyo74XPlace68
Tuyo Card has the higher Overall Score by 6 points.
- Entry cost & FX
- Tuyo$0 plan · 1–3% FXXPlace$0 plan · 0–1% FX
XPlace Card has the lower published FX fee (0–1% vs 1–3%).
- Purchase rewards
- Tuyo0% base · up to 100%XPlace0.5% base · up to 4%
XPlace Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- TuyoSelf-controlled walletXPlaceHybrid custody
Tuyo Card uses a self-controlled wallet setup, while XPlace 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 PayXPlaceVirtual + Physical · Apple Pay, Google Pay
XPlace Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Tuyo1 stablecoin · Stablecoin transfersXPlace2 stablecoins · Stablecoin transfers
XPlace Card lists more stablecoins and ways to send money out (3 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
- 0.5%-4%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- Not available
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 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 CardOverall74XPlace CardOverall68
Tuyo CardOverall74XPlace CardOverall68Scores
6 fields- Overall Score
- Tuyo Card74XPlace Card68
- Cashback score
- Tuyo Card39XPlace Card49
- Travel score
- Tuyo Card42XPlace Card61
- Funds control score
- Tuyo Card100XPlace Card67
- Lowest fees score
- Tuyo Card71XPlace Card69
- Transfers score
- Tuyo Card72XPlace Card62
Strengths & trade-offs
2 fields- Strengths
- Tuyo CardSelf-custody wallet control, Virtual Visa with both phone walletsXPlace CardTwo distinct USDC spending modes, Tiered USDC cashback with published caps
- Trade-offs
- Tuyo CardReward value is unpredictable, Virtual-only with no ATM accessXPlace CardNo live physical card or ATM access, Higher tiers cost more and FX has layers
Costs
7 fields- Plan cost
- Tuyo Card$0XPlace Card$0
- FX fee
- Tuyo Card1–3%XPlace Card0–1%
- Top-up fee
- Tuyo CardNot disclosedXPlace CardProvider fee not published; external network or bridge costs may apply and are not card fees
- Card spending fee
- Tuyo Card0%XPlace Card0%
- ATM fee
- Tuyo CardNot availableXPlace CardNot available
- Virtual card
- Tuyo CardFreeXPlace CardNot disclosed
- Physical card
- Tuyo CardComing soon; not currently availableXPlace CardSilver physical card: $99 with courier delivery included; estimated delivery 3-12 days. Other tier pricing remains unclear.
Plans
2 fields- Available plans
- Tuyo CardNot disclosedXPlace Card4 plans: Basic, Silver, Gold, Platinum
- Top cashback plan
- Tuyo CardNot disclosedXPlace CardPlatinum: 2%
Everyday use
8 fields- Network
- Tuyo CardVisaXPlace CardVisa
- Card formats
- Tuyo CardVirtualXPlace CardVirtual, Physical
- ATM withdrawals
- Tuyo CardNot availableXPlace CardNot available
- Mobile wallets
- Tuyo CardApple Pay, Google PayXPlace CardApple Pay, Google Pay
- Apps
- Tuyo CardiOS, AndroidXPlace CardiOS, Android
- Daily spending limit
- Tuyo CardUp to $10,000 per day; limits can change with usage and account history.XPlace CardNo provider-set daily amount published; users can set their own daily, weekly and monthly controls
- Monthly spending limit
- Tuyo CardNo fixed monthly card-spend limit is publicly disclosed.XPlace CardBasic $2,000; Silver $10,000; Gold $50,000; Platinum $750,000 per month
- ATM limit
- Tuyo CardATM withdrawals are not currently supported.XPlace CardNot available while only the virtual card is live
Funding & transfers
5 fields- Networks
- Tuyo CardEthereum, Base, Arbitrum, Optimism, PolygonXPlace CardSolana
- Crypto deposits
- Tuyo CardStablecoins: USDCXPlace CardStablecoins: USDC
- Fiat deposits
- Tuyo CardVirtual-account receivingXPlace CardNot disclosed
- Transfers
- Tuyo CardStablecoin transfersXPlace CardStablecoin transfers
- Payout currencies
- Tuyo CardNot disclosedXPlace CardNot disclosed
Rewards
3 fields- Base cashback
- Tuyo Card0%XPlace Card0.5%
- Max cashback
- Tuyo Card100%XPlace Card4%
- Reward currency
- Tuyo CardUSDXPlace CardUSDC
Earn
5 fields- Advertised APY
- Tuyo CardUp to 11% APYXPlace CardUp to 6.15% APY
- How it works
- Tuyo CardEarn on spending balance, Optional earn vaultXPlace CardBorrow against collateral, Optional earn vault
- Separate deposit
- Tuyo CardYesXPlace CardYes
- Use balance for spending
- Tuyo CardYesXPlace CardNo
- Lock-up
- Tuyo CardNot disclosedXPlace CardNo
Trust & availability
7 fields- Custody
- Tuyo CardSelf-custodyXPlace CardHybrid custody
- Control until payment
- Tuyo CardYou keep controlXPlace CardProvider controls funds
- Card issuer
- Tuyo CardThird NationalXPlace CardThird National
- Card processing
- Tuyo CardSignify Holdings, Inc. (Rain)XPlace CardSignify Holdings, Inc. (Rain)
- Deposits & withdrawals
- Tuyo CardBridge Ventures, Inc. (Bridge)XPlace CardNot disclosed
- Bank transfers
- Tuyo CardBANEX Microfinance Bank LimitedXPlace CardNot disclosed
- Identity verification
- Tuyo CardNot disclosedXPlace CardSumsub
Sources
2 fields- Official sources
- Tuyo Card12XPlace Card26
- Last reviewed
- Tuyo CardAug 5, 2026XPlace CardAug 27, 2026
04 · The trade-off
Tuyo Card is the stronger all-round choice
Tuyo Card finishes ahead with an Overall Score of 74 versus 68 for XPlace Card. XPlace Card has the lower published FX fee (0–1% vs 1–3%). XPlace Card has the higher published base cashback rate (0.5% vs 0%).
XPlace Card still comes out ahead for Cashback and 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 XPlace Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
XPlace Card lists more stablecoins and ways to send money out (3 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 XPlace Card reviews first.
Continue with
Tuyo Card
Continue with
XPlace Card
05 · Common questions
Tuyo vs XPlace FAQ
Is Tuyo or XPlace better overall?
Tuyo Card has the higher Overall Score (74 vs 68). 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 XPlace?
XPlace Card has the lower published FX fee (0–1% 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 XPlace?
XPlace Card has the higher published base cashback rate (0.5% 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 XPlace differ on custody?
Tuyo Card uses a self-controlled wallet setup, while XPlace 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 XPlace comparison?
The latest information check for these two cards was August 27, 2026, using 38 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.