Self-custodial Visa with 1.5% instant cashback. Use promo code sulik to get $10.
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SpendNode Rating for Tuyo
4.3/5
Known for: 1.5% instant cashback with self-custodial USDC and TUYOs
Tuyo pairs a clean self-custody model with 1.5% instant cashback, separate TUYOs accrual, and a broader Cash, Investments, transfers, and AI-connected account.
The lineup remains one virtual card, but ATM access, limits up to $200,000, and explicit foreign-fee disclosures make it more complete. Rain and Bridge support the card and fiat rails; the short operating history and up-to-2% foreign cost keep Tuyo below the established leaders.
Issuer Snapshot
Active Products1
Editorial vendor score stays separate from user reviews. Methodology
Tuyo is a US-based fintech offering a self-custodial Visa debit card that spends USDC on Base from a user-controlled smart account. The card has no annual fee, gives 1.5% instant cashback on eligible purchases, supports Apple Pay, Google Pay, and Visa ATMs, and earns TUYOs toward a planned 2026 token generation event.
What Is Tuyo?
SpendNode app screenshot
Tuyo Card - Free, self-custodial Visa. Spend USDC from your own wallet at 40M+ Apple Pay/Google Pay terminals and 175M+ Visa locations worldwide. Stay in full control of your USDC until it is spent.
Tuyo is a self-custodial Visa debit card for USDC, not an exchange-linked card. Your USDC sits in a non-custodial wallet on Base that you control with a private key; Tuyo can only pull up to your activated daily limit when you tap. Everything else stays in your wallet.
That custody model is in the same family as Gnosis Pay and Ready's unavailable Argent card program, but Tuyo runs on Base and uses Rain as issuer. Its current rewards stack has two separate parts: 1.5% taken off eligible card purchases immediately and TUYOs accrued for a planned 2026 token launch.
SpendNode app screenshot
Tuyo's current cashback terms in the app. The 1.5% comes off the purchase total immediately. Tuyo lists no minimum, maximum, or category restriction, and says purchases prepared through connected agents count too. Refunds and declined payments do not qualify.
The card itself remains free. USD purchases within the US have no card fee. A 1% FX fee applies to non-USD purchases, and the card provider charges another 1% on purchases made outside the US, so a foreign-currency purchase abroad can cost up to 2% before cashback. Apple Pay and Google Pay work, ATM withdrawals are now supported through the virtual card, and a physical card is still marked "coming soon."
The Product Ecosystem
Tuyo is now organized around Cash, Investments, the card, transfers, and optional AI connections:
Tuyo Card - The Visa debit covered in detail on this page. Free, USDC on Base, self-custodial.
Cash - The everyday USDC balance used by the card. Users can optionally place Cash into a listed interest strategy; Tuyo currently advertises rates up to 4.0% APY, which are variable and not bank deposits.
Investments - Crypto and tokenized investments held through the app's self-custodial account.
Transfers and accounts - Global transfers and eligible USD, EUR, or MXN account details through Bridge.
AI connections - An early-access interface for assistants such as ChatGPT and Claude to inspect account data and prepare sends or conversions. Every movement still waits for approval in the Tuyo app.
The card connects those products: it spends from Cash, returns 1.5% immediately, and earns TUYOs at the same time.
Available crypto cards by Tuyo in November 2026
Option 1
1. Tuyo Card
1.5% Instant Cashback With Self-Custodial USDC and TUYOs
The Tuyo Card is a free self-custodial Visa with 1.5% instant cashback and separate TUYOs rewards. New cards support up to $50,000 in daily spending, rising to $100,000 and then $200,000 after cumulative-spend milestones, while foreign purchases can cost up to 2%.
+Free issuance, zero monthly or annual fee
+1.5% instant cashback with no published cap or category restriction
+Self-custodial: Tuyo can only pull up to your daily limit from your USDC on Base balance
+Daily limit starts at $50K and can rise to $200K with cumulative spending
Tuyo Card Promo Code sulik: Get $10
Use Tuyo Card promo code sulik by signing up through SpendNode's Tuyo link. New users receive a $10 welcome bonus after making at least five Tuyo Card payments of $5 or more on five different days.
Create your Tuyo account, complete identity verification, and activate the free virtual Tuyo Card.
Make at least one card payment of $5 or more on five separate days. Five payments made on the same day do not qualify.
Once all five qualifying payments are complete, you become eligible for the $10 welcome bonus.
How Tuyo Card Spending Works
The transaction flow is the same in spirit as any self-custodial card, but the specifics matter. Here is what happens when you tap.
Step 1. You load USDC into Tuyo Cash. Supported tokens can arrive on Base, Ethereum, Arbitrum, BNB Smart Chain, or Polygon and be converted to Base USDC in the app. Optimism is not supported for deposits. Funds remain in a non-custodial smart account controlled by your recovery phrase.
Step 2. You choose an active card limit in the app. New cards support a maximum of $50,000 per day. The maximum can rise to $100,000 after $50,000 in cumulative purchases and to $200,000 after $100,000 in cumulative purchases.
Step 3. You tap your card (or your phone via Apple Pay or Google Pay) at any Visa merchant. The Tuyo back end debits the equivalent USDC from your Base balance for the dollar amount of the purchase. The merchant receives fiat over standard Visa rails.
Step 4. Fees depend on the transaction. USD purchases within the US have no card fee. Non-USD purchases add 1% FX, purchases outside the US add a separate 1% abroad fee, and both can apply together.
Step 5. Tuyo takes 1.5% off the total immediately for an eligible purchase. The discount is applied to the account or pod used to pay.
Step 6. Card spend also accrues 0.50 TUYO per dollar. TUYOs are recorded separately and have no fixed spendable value before a token generation event.
Operator fee and FX may apply; $250 total per withdrawal
Daily spending limit
$50,000 to $200,000
Maximum rises at cumulative-spend milestones
For domestic US dollar spending, the 1.5% discount is the cleanest part of the offer: there is no annual fee or card transaction fee reducing it. Abroad, the economics change. A purchase carrying both published fees costs 2% before the 1.5% discount, leaving an effective 0.5% cost before any card-network conversion difference or ATM charge.
Advertised vs Reality: The FX Truth
Tuyo separates its foreign costs into a 1% currency fee and a 1% abroad fee. A EUR purchase outside the US can trigger both. The 1.5% cashback offsets most of that published 2%, but it does not make Tuyo a zero-FX card.
For comparison at $1,000 in EUR spending:
Tuyo: up to $20 in published fees, offset by $15 in instant cashback (about $5 net)
Ready Metal (unavailable): $0 historical FX cost (plus 120 USDC/year fee)
ether.fi Core: $0 (0% FX on EUR, no fee)
Gnosis Pay (EURe): $0 FX issuer markup, but only available in EEA/UK and EUR-settled
Traditional bank card: typically $25-35 (2.5-3.5%)
Tuyo can still beat a traditional card charging 2.5-3.5% abroad, but Gnosis Pay and ether.fi Core remain cleaner for eligible EUR spenders. Tuyo's counterweight is the combination of instant cashback, no annual fee, self-custody, and TUYOs.
Custody, Security, and Rain as Issuer
SpendNode app screenshot
Current card controls. The app exposes the PIN, freeze control, card details, and active spending limit in one place. The limit should be kept near normal usage even though higher maximums are available.
Tuyo is non-custodial from the ground up. Its Terms state that Tuyo does not take custody, possession, or control of users' digital assets. The recovery phrase controls a signer authorized on a ZeroDev Kernel smart account. Importing that phrase into a conventional wallet restores the signer, but the smart-account balance may require compatible software or a direct smart-account transaction to recover independently.
The card issuance partner is Signify Holdings, Inc., trading as Rain. This is the same back end used by Avici, which means the card mechanics (BIN, authorization flow, freeze controls, PIN management) are proven in production rather than a Tuyo-built card stack. Rain handles the regulated card-issuing relationships with banking partners.
The fiat side is run by Bridge Ventures, Inc. (Bridge.xyz), a regulated money transmitter in the United States and compliant with EEA regulations. Bridge runs the virtual account numbers that let you receive USD by wire or ACH, MXN by SPEI, or EUR by SEPA, and auto-converts incoming fiat to USDC or EURC into your Tuyo wallet.
This split-stack approach (Tuyo for wallet and app, Rain for card issuance, Bridge for fiat) is the modern self-custody-card playbook. It means Tuyo Inc. itself is not a money transmitter, bank, or asset custodian, which simplifies the regulatory surface and explains why the card can launch globally faster than a traditional bank card.
Is Tuyo Safe?
A self-custodial card's bankruptcy story is structurally different from a custodial card's. Here is the actual exposure analysis.
Your USDC on Base. Outside Tuyo's custody. If Tuyo shuts down, the authorized signer still controls the Kernel smart account, but recovery is not always as simple as importing the phrase and seeing the balance in MetaMask. Tuyo's technical guide documents both the signer/smart-account distinction and an independently verified Base recovery route.
Your TUYOs points. At risk. TUYOs are tracked internally by Tuyo and have no on-chain representation until the TGE. If Tuyo shuts down before the TGE, accrued TUYOs probably vanish. This is the speculative leg of the program and explicitly disclosed in the rewards terms.
Your virtual accounts at Bridge. Bridge is a separate regulated money transmitter. If Tuyo shuts down but Bridge survives, your virtual account relationship is with Bridge directly. If Bridge shuts down, customer funds would be subject to its money transmitter regulatory framework rather than Tuyo's. Bridge is not a bank, so the funds in virtual accounts are not FDIC-insured; they are held under money transmitter customer fund protection rules.
Card spending capability. Disabled. The card uses Tuyo's authorization system to debit your wallet. If Tuyo's back end is offline, the card declines. Your funds are safe, but you cannot spend with the Tuyo Card until you move to another wallet or card.
For most users, the practical implication is simple: USDC custody is preserved, but card functionality and TUYOs upside both depend on Tuyo as a company surviving to the TGE and beyond.
Is Tuyo a Scam?
Tuyo Inc. is a Delaware-incorporated US company with published support and legal contact details (support@tuyo.com, 302-219-4850, 1317 Edgewater Dr #1739, Orlando, Florida 32804), a public Terms of Service, and California-specific consumer rights disclosures.
Cards are issued by Signify Holdings (Rain), the same regulated card issuer behind Avici. Rain handles the licensed banking relationships and KYC/AML compliance; Tuyo Inc. is not itself a card issuer, bank, or money transmitter.
Fiat services run through Bridge Ventures (Bridge.xyz), described in Tuyo's own Terms of Service as "a licensed and regulated money transmitter in the United States and compliant with relevant regulations in the U.S. and the European Economic Area." Bridge handles virtual account numbers and stablecoin conversions.
The non-custodial architecture is contractual and technically documented. Tuyo's Terms disclaim custody, and its recovery guide identifies the signer derivation and ZeroDev Kernel smart-account structure used by the app. Recovery is possible but more involved than importing a conventional wallet.
Tuyo reports more than 100,000 users on its current homepage and runs a structured TUYOs program with published earning rates in the app.
Current card terms are unusually specific for a young program. Tuyo publishes the separate FX and abroad fees, the cumulative-spend thresholds for higher limits, ATM attempt rules, and service-specific country restrictions.
The TUYOs Rewards Program
TUYOs remain a second reward layer on top of the 1.5% instant cashback. The app currently shows 0.50 TUYO for every $1 spent with the card and 0.05 TUYO for every $1 traded, excluding bridges and stablecoin-to-stablecoin swaps. Eligible vault balances earn additional TUYOs daily.
SpendNode app screenshot
Current TUYOs earning rates in our account. Spending $100 earns 50 TUYOs, trading $1,000 earns 50 TUYOs, and the example for keeping $1,000 in an eligible vault shows 2.73 TUYOs per day.
Token generation event. Tuyo has publicly committed to a TGE in 2026 with 20% of token supply reserved for users and the community. This is a stronger commitment than most "points might become tokens" programs, which usually keep the percentage vague or condition the TGE on internal milestones.
Seasons structure. The program has progressed through four seasons:
Season 0: Pioneers (retroactive + first 48 hours after launch, ended Nov 1, 2025)
Season 1: Early Adopters (Nov 1 - Dec 11, 2025)
Season 2: FOMO (Dec 11, 2025 - Jan 22, 2026)
Season 3: Stacking Season (Jan 22, 2026 - TGE 2026)
Multipliers are highest in earlier seasons. Joining today puts you in Season 3, which is the longest single season and likely the lowest multiplier per TUYO compared to Pioneers, but covers the longest TGE-eligibility window.
TUYOs are speculative. The Tuyo Terms of Service describe them as "intended solely for internal tracking, testing, and community engagement purposes" with "no monetary significance." Treat the 20% reservation as a credible signal of intent, but plan around card economics first and TUYOs as upside.
Buy Now, Pay Maybe
Buy Now, Pay Maybe was Tuyo's defining launch campaign from May 7 through October 31, 2026. Tuyo sometimes paid part or all of a purchase while the merchant still received the full amount. There was no opt-in or predictable rate, but the feature was real: three of five recent purchases in our account were marked "Free" and settled at $0 during the campaign.
SpendNode app screenshot
Buy Now, Pay Maybe in our account while it was active. This was an observed result, not a guaranteed 60% reward rate.
Tuyo ended Buy Now, Pay Maybe on October 31, 2026. The feature and its live feed have been removed from the app. From November 1, the card moved to the current 1.5% instant cashback model. That rate is much smaller than a fully covered BNPM purchase, but it is predictable, uncapped in the current app terms, and applies across eligible merchants, countries, and currencies.
Real User Scenarios
Maria, freelance designer in Mexico City spending $1,500/month in USDC
Maria gets paid in USDC by clients in the US and used to convert through a Mexican exchange to MXN, paying 2-3% on each conversion. She moves to Tuyo and receives USDC directly into her self-custodial wallet via Bridge's virtual SPEI account. She spends the USDC on the card daily.
At $1,500/month, with roughly 80% domestic-style USD purchases and 20% MXN spending outside the US, Maria receives $270 in annual cashback. Her MXN slice can incur $72 in combined FX and abroad fees, leaving about $198 before card-network conversion differences. She also accrues TUYOs across the full $18,000.
The trade-off is that foreign spending can consume the reward. The 1.5% discount more than covers one 1% fee, but not the full 2% when both published fees apply.
James, US-based software engineer spending $2,500/month on USDC
James already holds USDC in a Coinbase Wallet and is comfortable with self-custody. He moves to Tuyo for the 0% USD experience and the TGE upside. His spending is roughly 95% domestic USD (groceries, dining, subscriptions, travel within the US) and 5% on international online purchases.
At $2,500/month, James receives about $450 in instant cashback. If his $1,500 of annual foreign spending incurs the full 2%, those fees total about $30. His current net reward is therefore about $420 before TUYOs, compared with $600 from a flat 2% card.
Sofia, EU-based crypto user spending $3,000/month, mostly in EUR
Sofia is based in Berlin and spends primarily in EUR. She loads her Tuyo wallet with USDC via SEPA into Bridge (which converts EUR to EURC, though Tuyo's card spends from USDC on Base specifically) or from existing on-chain USDC.
Her usage exposes the FX trade-off: at 100% EUR spending outside the US, the two published fees can total $720 a year on $36,000. The 1.5% discount returns $540, leaving an effective $180 cost before network conversion differences. Gnosis Pay remains the cleaner fit for eligible EUR-primary spenders because it settles in EURe without issuer FX markup.
Who Should Use Tuyo
Use Tuyo if:
You want 1.5% predictable cashback without giving up custody of your USDC
You hold USDC on Base or any major L2 and want to spend it without bridging or selling
You want exposure to a planned 2026 token airdrop with 20% of supply reserved for users
You use Tuyo Cash, Investments, transfers, or AI connections and want a card tied into that account
You are comfortable with self-custody and seed-phrase management
Avoid Tuyo if:
You spend primarily in EUR, GBP, or another non-USD currency (use Gnosis Pay instead for no issuer FX markup in EEA/UK)
You need frequent or large ATM withdrawals (the current limit is $250 per attempt and three attempts per rolling 24 hours)
You are based in the United Kingdom (services not intended for UK persons)
You spend mainly outside the US and want a true zero-FX card
You want to spend BTC, ETH, or other non-stablecoin crypto directly
Fees and ROI Framework
The Tuyo Card has no annual fee. For eligible purchases, the baseline return is now 1.5% before TUYOs. Domestic USD spending keeps that return intact; foreign spending can add one or both of Tuyo's published 1% fees.
At three spending levels with half the spend domestic USD and half non-USD outside the US, using the maximum 2% published foreign cost:
$1,000/month: $180 cashback minus $120 foreign fees = about $60, plus TUYOs.
$2,500/month: $450 cashback minus $300 foreign fees = about $150, plus TUYOs.
$5,000/month: $900 cashback minus $600 foreign fees = about $300, plus TUYOs.
At $5,000 a month of domestic US spending, Tuyo returns $900 a year before TUYOs, only $300 behind a flat 2% card. The gap is no longer large enough to dismiss Tuyo as a points-only proposition, though foreign fees can widen it again.
For domestic US dollar spending, Tuyo is most competitive: the card costs nothing to hold, the 1.5% reduction is immediate, and TUYOs sit on top as speculative upside.
Competitor Comparison
vs Gnosis Pay: Gnosis Pay wins on EUR-native spending in EEA/UK (0% FX, EURe settlement, up to 5% GNO cashback with token holdings). Tuyo wins on USD spending, global availability outside UK, and TGE upside. Different geographies.
vs Ready Metal (unavailable): Ready Metal formerly had 0% FX and 3% STRK cashback for 120 USDC/year in EEA/UK. Tuyo remains available, is free, and has broader coverage outside the UK.
vs ether.fi Core: ether.fi pays 3% in ETHFI on its first monthly spend band and lets eligible users borrow against staked ETH rather than sell it, subject to financing and liquidation risk. Tuyo wins on USD fee structure and TGE upside. Tax-conscious ETH holders may prefer ether.fi's borrowing route; USDC spenders may prefer Tuyo.
vs COCA: COCA wins on cashback rate (up to 8% USDC at Elite with $COCA staking) and yield (5% APY on eligible USD), although reward withdrawals are limited by tiered monthly claim capacity. Tuyo wins on simplicity and no token to buy upfront. Mid-volume USDC spenders should compare COCA Standard against Tuyo case-by-case.
vs Avici: Both use Rain as issuer, but Avici is a secured credit card (you post crypto collateral and spend a USD credit line) while Tuyo is a debit card that pulls from your USDC balance. Avici fits users who want to avoid taxable disposals; Tuyo fits users who just want to spend stablecoins.
Availability and Compliance Notes
Tuyo applies two availability layers: platform-wide restrictions and additional card-provider restrictions. The platform is unavailable in the UK and 24 other listed jurisdictions, including Nigeria and Turkey. Card issuance has further country restrictions, and it is unavailable in 19 US states, the District of Columbia, Puerto Rico, and several US territories. Availability never guarantees approval; identity verification and the card provider's review still apply.
Card payments are separately blocked in Cuba, Iran, North Korea, Russia, Syria, Ukraine, and Venezuela. The TUYOs program has no fixed monetary value before TGE and may be changed or terminated.
Countries and Availability
Tuyo is available in 93 countries as of November 2026. We count a country here when at least one active Tuyo card variant lists it, so individual product pages may be narrower.
Available Regions
Africa
Cameroon (CM), Cote d'Ivoire (CI), Egypt (EG), Ethiopia (ET), Ghana (GH), Kenya (KE), Morocco (MA), Mozambique (MZ), Rwanda (RW), Senegal (SN), South Africa (ZA), Tanzania (TZ), Tunisia (TN), Uganda (UG)
Americas
Argentina (AR), Bolivia (BO), Brazil (BR), Canada (CA), Chile (CL), Colombia (CO), Costa Rica (CR), Dominican Republic (DO), Ecuador (EC), El Salvador (SV), Guatemala (GT), Jamaica (JM), Mexico (MX), Panama (PA), Paraguay (PY), Peru (PE), Trinidad and Tobago (TT), United States (US), Uruguay (UY)
Asia
Bahrain (BH), Cambodia (KH), Georgia (GE), Hong Kong (HK), Indonesia (ID), Japan (JP), Jordan (JO), Kazakhstan (KZ), Kuwait (KW), Malaysia (MY), Mongolia (MN), Oman (OM), Pakistan (PK), Philippines (PH), Qatar (QA), Saudi Arabia (SA), Singapore (SG), South Korea (KR), Sri Lanka (LK), Taiwan (TW), Thailand (TH), United Arab Emirates (AE), Uzbekistan (UZ)
Europe
Albania (AL), Austria (AT), Belgium (BE), Bulgaria (BG), Croatia (HR), Cyprus (CY), Czech Republic (CZ), Denmark (DK), Estonia (EE), Finland (FI), France (FR), Germany (DE), Greece (GR), Hungary (HU), Iceland (IS), Ireland (IE), Italy (IT), Latvia (LV), Lithuania (LT), Luxembourg (LU), Malta (MT), Montenegro (ME), Netherlands (NL), North Macedonia (MK), Norway (NO), Poland (PL), Portugal (PT), Romania (RO), Serbia (RS), Slovakia (SK), Slovenia (SI), Spain (ES), Sweden (SE), Switzerland (CH)
Oceania
Australia (AU), Fiji (FJ), New Zealand (NZ)
Major Restricted Markets
These major markets are not currently listed for this vendor. Confirm eligibility with the issuer before applying, especially where card tiers have different country rules.
Africa
Nigeria (NG)
Asia
China (CN), India (IN), Turkey (TR)
Europe
United Kingdom (GB)
Our Verdict on Tuyo
Tuyo's current value does not depend on assigning a future price to TUYOs. The free virtual Visa returns 1.5% immediately, keeps USDC in a user-controlled smart account until spending, supports mobile wallets and ATM withdrawals, and earns TUYOs separately. For domestic US dollar purchases, that is a credible alternative to custodial cashback cards.
The main limitation is geography. A non-USD purchase outside the US can carry 2% in combined fees, slightly more than the 1.5% returned. The card is also still virtual-only, even though the virtual card now works at Visa ATMs. Tuyo is strongest for domestic USD spending and for users who value self-custody; Gnosis Pay is cleaner for eligible EUR spending, while COCA offers higher headline cashback with more conditions.
Is Tuyo crypto card available in the United States?
Yes. Tuyo crypto card is available in the United States. The Tuyo Card is available in the United States, but not to residents of Arizona, Delaware, Georgia, Idaho, Louisiana, Maryland, Mississippi, Missouri, Nevada, New Mexico, North Dakota, Ohio, Oregon, Rhode Island, South Dakota, Tennessee, Vermont, Washington, Wisconsin, the District of Columbia, Puerto Rico, or other listed US territories.
Is Tuyo a bank?
No. Tuyo Inc. is a financial technology company, not a bank, exchange, or asset custodian. Tuyo provides a self-custodial wallet where you control the private keys. Cards are issued by Signify Holdings (Rain) and fiat rails are operated by Bridge Ventures (Bridge.xyz), a regulated money transmitter in the US and EEA.
How does the TUYOs rewards program work?
TUYOs are points earned through card spending, eligible trading, and eligible vault balances. The current app shows 0.50 TUYO per $1 spent with the card and 0.05 TUYO per $1 traded, excluding bridges and stablecoin swaps; vault rates vary by strategy. A token generation event is planned for 2026, with 20% of token supply reserved for users and community. TUYOs have no fixed conversion rate before TGE.
How does Tuyo's 1.5% cashback work?
Tuyo takes 1.5% off the total immediately when an eligible card purchase is made. The offer applies across merchants, countries, currencies, and purchases prepared through connected agents, with no published minimum, maximum, or category restriction. Refunds and declined payments do not earn cashback. Card spend also earns TUYOs separately.
Does Tuyo have a promo code or discount code?
Yes. Use Tuyo Card promo code sulik by signing up through SpendNode's Tuyo link. New users get a $10 welcome bonus after making at least five card payments of $5 or more on five different days.
Is Tuyo Card promo code sulik working in November 2026?
Yes. sulik is a working Tuyo Card promo code as of November 9, 2026 - we re-verify it regularly. Sign up through SpendNode's link, then make at least five card payments of $5 or more on five different days to qualify for the $10 welcome bonus.
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Latest Page Changes to the Tuyo Review
2026-11-01
Tuyo ended Buy Now, Pay Maybe on October 31 and replaced it with 1.5% instant cashback on eligible purchases from November 1
Updated Tuyo's foreign fees, supported deposit networks, ATM access, and daily spending limits, which can rise to $200,000 after cumulative-spend milestones
