Self-custodial Visa debit card for spending USDC on the Base network.
Tuyo Card is a self-custodial crypto debit card that allows users to spend USDC on the Base network directly at Visa merchants while retaining full control over their assets. It supports Apple Pay and Google Pay for virtual transactions and is available in the US, Spain, and select EU and Latin American countries.
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Users prioritizing self-custody for spending USDC on Base with high daily limits.
You need ATM access, a physical card, or want to spend other cryptos directly.
Tuyo Card is a virtual Visa prepaid/debit card enabling users to spend USDC on the Base network. Its core feature is its self-custodial model, where users control their private keys. The card is available in 41 countries, including the US, Canada, Spain, and other EU and Latin American markets. A physical card is planned for future release.
{ "Annual Fee": "$0", "Maintenance Fee": "None", "Foreign Exchange (non-USD)": "Up to ~1% FX spread", "Fiat to USDC Conversion": "Free", "Crypto to USDC Conversion": "Free (rates based on DeFi liquidity)", "ATM Withdrawal": "Not supported" }
Tuyo offers a virtual-only card with immediate Apple Pay and Google Pay integration. It features a self-custodial wallet architecture, allowing users to retain control of their private keys. The platform provides free conversion from supported fiat (USD, EUR, MXN) to USDC and free cross-chain swaps to USDC on Base from Ethereum, Arbitrum, Optimism, and Polygon. Spending limits are high, starting at $10,000/day and increasing up to $200,000/day with account history. The app also integrates DeFi "Vaults" offering variable yields up to ~11% APY.
Tuyo offers a rewards program where users earn TUYO points through card spending, trading, using DeFi 'Earn Vaults', and referrals. Specific accrual rates are not published as fixed percentages and vary by 'seasons' with different multipliers displayed in-app. The ultimate value of the rewards is dependent on the future valuation of the TUYO token following its planned Token Generation Event (TGE) in early 2026. No fixed fiat cashback is guaranteed.
Available in 41 countries including US, Spain and select EU and Latin American countries. Restricted in 15 countries including OFAC/UN/EU-sanctioned jurisdictions. Also prohibits Crimea, Donetsk & Luhansk regions.
Risk note. The self-custodial model places the full responsibility for asset security on the user. Crypto assets are not covered by FDIC or any similar deposit insurance.
IBAN support in Luxembourg. EU users benefit from IBAN support and SEPA compatibility. Bridge Ventures provides virtual bank account numbers in the US.
Generally positive reception with particular praise for smooth onboarding process, fast USDC funding capability, self-custodial architecture, and reliable transaction processing. Some users call it the 'best onboarding' experience in crypto.
Privacy-focused crypto users who want to maintain self-custody while spending, USDC holders seeking everyday purchase utility, DeFi enthusiasts who appreciate yield integration with spending capabilities, and high-volume spenders who can benefit from daily limits up to $200,000.
Tuyo Card offers a self-custodial model for spending USDC on Base via the Visa network, appealing to users who prioritize asset control. With no annual fees, high spending limits, and availability in the US, EU, and Latin America, it's a strong contender. Its main limitations are the restriction to USDC on Base and the lack of a physical card or ATM access.
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