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TTuyo Visa Card logo

Tuyo Visa Card

Updated: Sep 15, 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
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
USDTUSDCBTCETHDOTLINKDAIUNIUSDEURMXMXN
Last updated
Sep 15, 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
251 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.

Usage scale & trends

2026-09 · Project-wide data

Source unspecified

Spend (USD)

$2,130,783.81

No comparable previous month

Transactions

30

No comparable previous month

Last six complete calendar months

Spend (USD)
Monthly details
PeriodSpend (USD)Transactions
2026-04$1,156,167.6330
2026-05$1,992,498.1431
2026-06$1,877,346.8229
2026-07$2,084,813.4631
2026-08$2,220,409.2931
2026-09$2,130,783.8130

Data source: Paymentscan ↗

Period: 2026-04 — 2026-09Last synchronized:

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 language support

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

Availability in English-Speaking Markets

1. United States：Can apply，Can use，U.S. residents are included in Tuyo Card’s current issuance coverage and can obtain the virtual card after completing the required card KYC.
2. United Kingdom：Cannot apply，Can use，Tuyo expressly excludes people located in the UK from its current service coverage, but a card obtained by an eligible resident of a supported country can still be used for supported purchases in the UK.
3. Canada：Can apply，Can use，Canada is included in Tuyo’s current card issuance countries and residents can obtain the virtual card after completing the required identity verification.
4. Australia：Can apply，Can use，Australian residents are within the current Tuyo Card issuance coverage and can obtain the virtual card after completing card KYC.
5. South Africa：Can apply，Can use，South Africa is included in Tuyo’s supported card countries and residents can apply after completing the required identity verification.
6. New Zealand：Can apply，Can use，New Zealand is included in the current issuance coverage and residents can obtain the Tuyo Card after completing the required KYC.
7. Ireland：Can apply，Can use，Ireland is included in Tuyo’s current card issuance countries and residents can obtain the virtual card after completing identity verification.

Updated: Sep 15, 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

Review

Read the editorial review, its verdict and latest update.

No review yet

No review has been published for this card. Published reviews appear here.

User reviews

Showing 10 approved reviews matched to this card

Newest first
Filipe Governagoogle_play★ 3 / 5

Tuyo Google Play review - 3 star

Froze after completing the verification process and before choosing or getting any password or performing any backup. Restarted - same issue. Cleaned cache - same issue. Had to clean data and reinstall. After reinstalling, it doesn't let me create a new account because it says I already have one, but I cannot access it because it requests a password I never chose nor got or a non-existent backup. Had to contact support and wait days for a fix. Forces EUR -> USD conversion and charges 0.5% for it
View original
Ecc_Oggygoogle_play★ 5 / 5

Tuyo Google Play review - 5 star

awesome
View original
Egzon Mehmedigoogle_play★ 5 / 5

Tuyo Google Play review - 5 star

I have been using this past few months, i love it no complex like dealing with normal banks. Modern design and easy understandable.
View original
Akhi Farjana Bestfriendgoogle_play★ 2 / 5

Tuyo Google Play review - 2 star

not available for Bangladesh 🥲
View original
Edward Hendersongoogle_play★ 1 / 5

Tuyo Google Play review - 1 star

haven't got to use app but I got a new phone couldn't log in it nvr gave me phrases or back up code that's stupid to not have password options
View original
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

Risk factors

Updated: Jul 17, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does Tuyo Visa Card require KYC?

Our record lists the Tuyo Visa Card verification requirement as: Full KYC. Document and review details are in the KYC section of this page.

Does Tuyo Visa Card support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up Tuyo Visa Card with?

Our record lists Tuyo Visa Card support for: USDT, USDC, BTC, ETH, DOT, LINK, DAI, and UNI (11 in total).

Is Tuyo Visa Card a virtual or a physical card?

Tuyo Visa Card is offered as: Virtual card.

Where is Tuyo Visa Card available?

Our record lists 95 countries or regions as available and 101 as restricted. Country-by-country status is in the regions section of this page.

Who issues Tuyo Visa Card?

Tuyo Visa Card is operated by Tuyo on the Visa network.