Tuyo Visa Card
by Tuyo
Self-custodial USDC card with up to 11% APY on deposits
Affiliate disclosure: Some links on this page are affiliate links. If you sign up through them we may earn a commission at no extra cost to you. This does not influence our rankings or scores.
Overview
Tuyo is a self-custodial USDC card built on Base, letting your stablecoins earn yield until the moment you spend. It charges no issuance, monthly or USD transaction fees, and supports deposits from Ethereum, Base, Arbitrum, Optimism and Polygon. The trade-offs are USDC-only spending, a small FX spread on non-USD purchases, no ATM withdrawals, and a physical card that was still pending at the time of writing.
Key facts
- Card type
- Virtual, Physical
- Card network
- Visa
- Custody
- Non-custodial (smart account on Base)
- Cashback
- No cashback (yield up to ~11% APY on USDC deposits)
- Apple Pay
- Yes
- Google Pay
- Yes
Unique features
- Self-custodial smart-account spending on Base
- Stablecoin yield until the moment you spend
India availability
Tuyo advertises global, self-custodial access and is ranked as a top option for Indian residents. There is no INR top-up — you fund it with USDC/USDT — and it is virtual-only for now. Confirm India eligibility during signup.
Best for Indian users
Indian stablecoin holders who want self-custody and yield on idle USDC while keeping spend ability.
- Tuyo is a self-custodial USDC card with broad global availability; confirm India eligibility during signup.
- There is no INR top-up — fund the card with USDC or USDT on supported networks.
- The card is virtual-only at launch, so there is no physical card to ship to India yet.
- Tax note: spending crypto can be a taxable disposal of a Virtual Digital Asset in India (30% plus surcharge and cess, with 1% TDS in some cases). Informational only — consult a chartered accountant.
Pros & cons
Pros
- Self-custodial with up to ~11% APY on deposits
- No issuance fee, monthly fee, or USD transaction fees
- Deposit from Ethereum, Base, Arbitrum, Optimism and Polygon
- Free transfers between Tuyo users
- Apple Pay and Google Pay supported
Cons
- USDC only — limited cryptocurrency variety
- No ATM withdrawals or PIN support
- Virtual card only at launch (physical pending)
- KYC required for card access
- Small FX spread (~1%) on non-USD purchases
Fees
| Monthly fee | Free |
|---|---|
| Annual fee | Free |
| Virtual card issuance | Free |
| Physical card issuance | Pending |
| Crypto-to-fiat conversion | Free (USDC) |
| FX / foreign-currency fee | ~1% spread on non-USD |
| ATM fee | Not supported |
| Top-up fee | Free |
| Shipping | Free |
| Inactivity fee | None |
No issuance, monthly or USD transaction fees. A small FX spread (~1%) applies on non-USD purchases. ATM withdrawals are not supported. Confirm current terms on the official site.
Limits
Card formats
Virtual Card
Available- Issuance
- Free
- Shipping
- Instant digital issuance
Physical Card
Unavailable- Material
- —
- Issuance
- Pending
- Shipping
- Not shipped yet
KYC requirements
Level 3 of 4 — ID Verification
| Email verification | Required |
|---|---|
| Phone verification | Required |
| Identity document | Required |
| Proof of address | Not Required |
| Selfie verification | Not Required |
Integrations & tech
Supported crypto
Tokens
Chains / networks
Scores
Editor score
How we rate — see our methodology.
Community score
Based on 4 cited sources
Sources
Perks & benefits
- Stablecoin yield on deposits until you spend
- Zero monthly and transaction fees
- Apple Pay and Google Pay
Rewards program details
Tuyo does not pay card cashback. Rewards come from yield on idle USDC (variable, advertised up to ~11% APY) rather than per-purchase rewards.
Exclusions
- No ATM withdrawals
- USDC-only spending at launch
Frequently asked questions
Is the Tuyo card available in India?
Can I top up Tuyo with INR?
Does Tuyo give cashback?
Similar cards
Kolo Card
by Kolo
- Cashback
- 2% BTC for first 30 days, then 1% BTC
- Monthly fee
- Free
RedotPay Card
by RedotPay
- Cashback
- None (yield ~4.5–5% on idle USDT/USDC)
- Monthly fee
- Free
Bybit Card
by Bybit
- Cashback
- Up to 10% (tiered, paid in Reward Points; ~2% base)
- Monthly fee
- Free
Ready to get the Tuyo Visa Card?
Applications are subject to the issuer's eligibility and KYC checks. Always confirm current fees and terms on the official site.
Get this card →