Tuyo Card
Tuyo · Visa (Rain)
Tuyo is a self-custodial Visa card built on Base, compatible with Apple Pay and Google Pay and linked to DeFi vaults yielding around 11% APY. It is virtual-only, not available in the UK, and offers no direct cashback, just points (TUYOs) ahead of the TGE planned for 2026. It works exclusively with USDC on Base; FX is 0% on USD payments, up to 1% on other currencies (e.g. euro).
Data & conditions
| Network | Visa (Rain) |
|---|---|
| Fund custody | Self-custody (funds in your control) |
| Issuance fee | Free |
| Annual fee | Free |
| Free ATM limit | N/A (virtual only) |
| ATM withdrawal | Free |
| FX markup | 1% |
| Cashback | Not disclosed |
| Chains | Base |
| On-chain settlement | Yes |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 7/10 |
| Supported countries | US, EEA, LATAM · 40+ countries |
| Estimated net annual cost | €0/year |
| Regulator | US state regulators (Bridge); local regulators (issuing banks) |
| Segment | B2C |
| MiCA / License status | Money Transmitter (partner Bridge Ventures); card issued by licensed partner banks via Rain |
Plans & pricing
Strengths
- Self-custodial on Base; Apple/Google Pay; DeFi vaults ~11% APY.
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- Virtual only; no UK; no direct cashback (only points ahead of the TGE); up to 1% FX on non-USD.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
The modest rating fits a young product that offers little protection to the everyday user: no established regulation, virtual-only, unavailable in the UK and no direct cashback, just points ahead of a TGE expected in 2026. The 0% FX on USD payments (up to 1% on non-USD) and DeFi vaults at 11% APY are attractive, but yield and self-custody bring risks that fall on the user.
From a crypto-native angle Tuyo is interesting: self-custodial on Base, on-chain settlement in USDC, Apple and Google Pay compatibility and a link to DeFi vaults yielding around 11% APY. The lack of direct cashback and full KYC remain the limits, while control of the funds and DeFi integration are the real value here.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is Tuyo Card a safe card?
Tuyo Card is a self-custody card on the Visa (Rain) network. As a payment card, loaded funds are e-money and are not covered by a bank deposit-guarantee scheme. Fund custody is self-custody.
How much does Tuyo Card cost?
No annual or issuance fee. The FX markup is 0% on USD payments, up to 1% on other currencies (e.g. euro).
Does Tuyo Card offer cashback?
Tuyo Card does not offer crypto cashback.
Is Tuyo Card available in Italy?
Yes, Tuyo Card is available in Italy.
Is Tuyo Card custodial or self-custody?
Tuyo Card uses a self-custody model. Funds stay in your wallet and you keep control of your private keys; the card debits at the moment of spending.
Sources
- Official service page Plans & pricing · Regulatory framework · Legal name · Company type · +5 Data verified on Jun 14, 2026
- spendnode.io Cashback.valuta reward · Cashback.staking richiesto · ATM fees · Blockchain · +1 Data verified on Jul 10, 2026
- theblock.co Founders · Past incidents Data verified on Jun 14, 2026