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TTuyo Visa Card logo

Tuyo Visa Card

Updated: Aug 4, 2026

The Tuyo Card is a stablecoin Visa virtual card offered by the Tuyo self-custodial wallet. Users keep USDC in a personally controlled Base wallet and authorize Tuyo to deduct assets based on the transaction amount only when a purchase occurs, with fiat settlement to the merchant completed through the Visa network. The card has no card issuance fee or monthly fee, supports online shopping, mobile wallets, and in-store contactless payments, and offers TUYOs points and the Buy Now, Pay Maybe spending discount mechanism. It is suitable for users who want to retain control of their assets and spend stablecoins directly.
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Card network
Visa
Product type
Stablecoin payment card
Card form
Virtual card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
60-69
Supported assets
USDT / USDC / BTC / ETH / DOT / LINK / DAI / UNI / USD / EUR / MXN
Last updated
Aug 4, 2026

Official and company information

Issuer identity and company credentials

Tuyo Inc. is a fintech company registered in Delaware, USA, responsible for the Tuyo app, self-custody wallet, trading interface, rewards program, and card integration. It is not a bank, crypto exchange, or asset custodian. Card issuance infrastructure is provided by Rain, a subsidiary of Signify Holdings, Inc., which handles card issuance compliance, transaction processing, risk management, and dispute resolution. Specific licensed partner institutions are determined by the application region. Bridge Ventures, Inc. provides regulated money transmission services for USD and EUR accounts and fiat-to-stablecoin conversion. Visa provides the card network.
Visit website Application page
Company / issuer
Tuyo
Legal name
Tuyo
Registered region
United States (US)
Headquarters
Original251 Little Falls Dr. Wilmington, Delaware 19808-1674, USA。
Company type
Fintech
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

After downloading the Tuyo app and completing card KYC, users can create a virtual Visa card. The card primarily uses USDC on the Base network. Users can also transfer assets from Ethereum, Arbitrum, Optimism, and Polygon and convert them to Base USDC within the app. Funds remain in the user's self-custody wallet until a transaction is authorized. If the relevant setting is enabled, the card can also debit the USDC balance in Tuyo Earn, allowing assets to continue participating in yield strategies until they are spent. There is no fee for USD transactions, while other currencies are subject to a foreign exchange spread of up to approximately 1%. The card can be added to Apple Pay and Google Pay, but it currently has no PIN and does not support ATM withdrawals. A physical card is on the development roadmap, but no application date or current fee rules have been announced.
Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

Tuyo Virtual Card
Card formVirtual card
Fees
Monthly fee
Free
No monthly or annual fee
Card issuance fee
Free
Free issuance
ATM fee—
Foreign exchange fee
1%
Non-USD transaction spread, up to 1%
Top-up fee
Free
Free conversion to Base USDC
Failed transaction fee—
Rewards
Cashback
0%
TUYOs points and BNPM discounts, ratio and trigger dynamically adjusted
Crypto cashback—
Staking rewards—
Staking APR—
Welcome bonus—
Referral bonus
20%
Calculated based on friend's earned points, 20% of friend's TUYOs rewards
Limits
Daily spending limit
10,000 USD
Limit increases with account history
Monthly spending limit—
ATM withdrawal limit—
Card network

Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and China applicability

Application status based on public sources, official policy, and user reports. This is not application advice.

Available regions

Applications or normal card activation are supported

95
SerbiaRSNorwayNOHungaryHUSouth KoreaKRGhanaGHCzechiaCZNorth MacedoniaMKTaiwanTWSri LankaLKMongoliaMNMexicoMXBoliviaBOPeruPEJamaicaJMItalyITMalaysiaMYEl SalvadorSVQatarQAFinlandFIRomaniaROSwitzerlandCHGermanyDEUzbekistanUZMozambiqueMZOmanOMCroatiaHRLuxembourgLUChileCLIndonesiaIDKuwaitKWSenegalSNNew ZealandNZNigeriaNGUnited Arab EmiratesAEJordanJOColombiaCOSlovakiaSKGuatemalaGTDominican RepublicDOKenyaKECambodiaKHPhilippinesPHEcuadorECLithuaniaLTSingaporeSGMoroccoMAPakistanPKCyprusCYSwedenSESpainESUnited StatesUSIcelandISFijiFJEstoniaEEHong KongHKTanzaniaTZSouth AfricaZAEgyptEGFranceFRRwandaRWAustriaATAlbaniaALCanadaCASloveniaSIBulgariaBGTunisiaTNBrazilBRUruguayUYNetherlandsNLJapanJPPortugalPTGreeceGRBahrainBHThailandTHAustraliaAUPuerto RicoPRMaltaMTGeorgiaGEPolandPLUgandaUGSaudi ArabiaSAPanamaPAArgentinaARBelgiumBEDenmarkDKKazakhstanKZTrinidad & TobagoTTCameroonCMIrelandIELatviaLVEthiopiaETCôte d’IvoireCICosta RicaCRMontenegroMEParaguayPY
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

101
BruneiBNBelizeBZKiribatiKINigerNEIranIRGrenadaGDTogoTGLaosLAZambiaZMGuinea-BissauGWBurkina FasoBFCentral African RepublicCFArmeniaAMSurinameSRMoldovaMDMadagascarMGVietnamVNAntigua & BarbudaAGUnited KingdomGBIndiaINKyrgyzstanKGVanuatuVUAndorraADNamibiaNAEritreaERPalauPWLiechtensteinLIUkraineUAMyanmar (Burma)MMMarshall IslandsMHSt. LuciaLCAfghanistanAFMauritiusMUBotswanaBWHaitiHTSudanSDCubaCUSt. Vincent & GrenadinesVCNauruNRPapua New GuineaPGTimor-LesteTLLiberiaLRTuvaluTVSão Tomé & PríncipeSTLesothoLSRussiaRUChadTDNicaraguaNIGabonGABahamasBSSolomon IslandsSBBarbadosBBSyriaSYSamoaWSCape VerdeCVSeychellesSCSt. Kitts & NevisKNSan MarinoSMComorosKMEswatiniSZBelarusBYBeninBJTürkiyeTRCongo - KinshasaCDBhutanBTNorth KoreaKPGuineaGNNepalNPGambiaGMMonacoMCTajikistanTJMacaoMOSouth SudanSSMaliMLSierra LeoneSLZimbabweZWAlgeriaDZLibyaLYIraqIQVenezuelaVEYemenYEHondurasHNSomaliaSOAzerbaijanAZDjiboutiDJTongaTOBurundiBIVatican CityVAChinaCNBangladeshBDLebanonLBEquatorial GuineaGQBosnia & HerzegovinaBAMauritaniaMRIsraelILTurkmenistanTMGuyanaGYDominicaDMMaldivesMVMalawiMWAngolaAO
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

China applicability

The source text is retained below.

Original

1、中国大陆：中国大陆居民不可申请；在其他支持地区取得的卡片可在受理境外 Visa 的商户使用，微信支付和支付宝绑定仍受平台风控限制。

2、香港：中国香港居民可申请并完成完整 KYC；虚拟卡支持线上 Visa 支付，也可通过 Apple Pay 或 Google Pay 进行线下消费。

3、澳门：中国澳门居民不在现行开放申请名单内；已在支持地区取得的卡片可在当地接受 Visa 的线上和线下商户使用。

4、台湾：中国台湾居民可申请并完成身份验证；虚拟卡支持线上订阅、Visa 商户消费及兼容移动钱包的非接触式支付。

Updated: Aug 4, 2026

Policies may change at any time. Verify the latest issuer policy.

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Full KYCRequirement confirmed

Proof of address

NoNot required

Accepted documents

Passport / Driver's license / Government-issued ID

Review time / regional limits

Normal automatic review takes a few minutes; manual review is triggered if documents are abnormal.

KYC provider

Not disclosed

Updated

Aug 4, 2026

Payment compatibility

Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy

Compatibility overview12 scenarios
Supported11
Not supported1
UpdatedAug 4, 2026

Wallet payments

Alipay

Supported

Aug 4, 2026

Wallet payments

Apple Pay

Supported

Aug 4, 2026

Cash services

ATM withdrawal

Not supported

Aug 4, 2026

AI tools

ChatGPT

Supported

Aug 4, 2026

AI tools

Claude

Supported

Aug 4, 2026

Wallet payments

Google Pay

Supported

Aug 4, 2026

AI tools

Midjourney

Supported

Aug 4, 2026

In-person payments

Offline POS

Supported

Aug 4, 2026

Online shopping

Online shopping

Supported

Aug 4, 2026

Wallet payments

PayPal

Supported

Aug 4, 2026

Subscriptions

Subscription payment

Supported

Aug 4, 2026

Wallet payments

WeChat Pay

Supported

Aug 4, 2026

User reviews

Showing 10 approved reviews matched to this card

Newest first
Andrzej Krauzowicztrustpilot★ 5 / 5

So far so good

So far so good. 2 out of my 5 transactions were covered by tuyo!
View original
lucianaticapp_store★ 5 / 5

definitely recommend

I recommend it without a doubt
View original
polymathwhizapp_store★ 1 / 5

Bad

This is the worst app I’ve ever used. The payments don’t deliver, they have zero support. Such a useless app
View original
Markgoogle_play★ 1 / 5

Tuyo Google Play review - 1 star

This app is a scam. When I downloaded it it said on the registration screen my country is eligible and I will be able to order a card. I verified my account and it said my account is approved. It then asked me to deposit money. I deposited 110 USDC. It then said I can't order a card. I contacted support and they told me my country is not eligible. Nonsense
View original
dewgongooapp_store★ 1 / 5

Buggy App

The scroll to continue doesn’t work sometimes. Sometimes the app can’t access my camera even though it did a few minutes ago. I do know not trust it with my money. Support is also slow. I can’t link my bank either, so my money is somewhat stuck
View original
cm16yapp_store★ 5 / 5

Absolutely Amazing!

I have never instantly loved an app as much as I do with Tuyo! I originally saw the Buy Now, Pay Maybe thing and thought "oh, cool gimmick" assuming maybe after shopping a year a small purchase may be free or something. Boy was I ever WRONG! Third purchase I ever made with the card got covered, free dinner. Absolutely amazing! I originally joined for the self custody of your money aspect which I also love, but wow, thank you guys! This app and the support are amazing! You guys rock!
View original
SassySy88app_store★ 1 / 5

DOESNT WORk

Either app broke or what. Cannot hit continue
View original
Corey Fleminggoogle_play★ 1 / 5

Tuyo Google Play review - 1 star

Did not let me get past the deposit page. When I did it kicked me back to the start saying I already have an account, then couldn't find it??? 0/10 app.
View original
G2Kalapp_store★ 1 / 5

Bad support and Link verification problems

I used Tuyo during the initial promotions with cashback, but whatever recent verification via Link has been done does not allow me to add more funds to my account. Support is unresponsive and treats this with no urgency. I deleted my account. If it’s not urgent to allow me to use your product, you don’t need my money.
View original
Alexis Peñagoogle_play★ 5 / 5

Tuyo Google Play review - 5 star

fast, easy to use and they do give free purchases
View original

Risk factors

Updated: Jul 17, 2026

No risk factors are available