Non-Custodial Software Wallets (often called self-custody hot wallets) represents browser extensions and mobile applications that grant users 100% control over their digital assets and private keys. Unlike centralized exchanges, these wallets operate on a zero-trust model, serving as a direct, unmanaged gateway to blockchains.
Tuyo is the only card where some payments are free. Spend USDC while it earns yield. Send money worldwide, free. Pay with stablecoins. Join 50,000+ Home Rewards Card Careers Get Tuyo Imagine buying coffee and not paying Imagine buying coffee and not paying Imagine buying coffee and not paying The card that might not charge you The card that might not charge you Download the app Join 50,000+ people using Tuyo Join 50,000+ people using Tuyo Tuyo makes spending fun and saving pay off. Tuyo makes spending fun and saving pay off. Tuyo makes spending fun and saving pay off. Pay anywhere in the world. More than +175M locations. Apple Pay & Google Pay. Buy Now, Pay Maybe Go tap your card, Tuyo might pay for it. Free global transfers. Your own accounts. Multiple currencies. Save at the speed of DeFi. The highest APYs on USDC, EURC and even BTC Trade +15,000 tokens. Lowest fees. Across 5 networks. Pay anywhere in the world. More than +175M locations. Apple Pay & Google Pay. Buy Now, Pay Maybe Go tap your card, Tuyo might pay for it. Free global transfers. Your own accounts. Multiple currencies. Save at the speed of DeFi. The highest APYs on USDC, EURC and even BTC Trade +15,000 tokens. Lowest fees. Across 5 networks. Spending is more fun when it’s free. Spending is more fun when it’s free. Spending is more fun when it’s free. With Tuyo, every time you pay with our card you might not get charged. With Tuyo, every time you pay with our card you might not get charged. Download the app Join 50,000+ people using Tuyo Join 50,000+ people using Tuyo How secure is my money with Tuyo? Tuyo is self-custodial, which means you control your funds and private keys. We never take custody. Fiat services like deposits, withdrawals, and account numbers are handled through regulated partners, and your card is issued by licensed institutions. Does Tuyo charge any fees? There are no hidden fees for using your Tuyo Card or virtual account numbers. The only possible cost is a small FX spread (usually under 1%) when converting between currencies. If Tuyo were ever to charge a fee, you would always see it clearly in the app before confirming a transaction. Can I always take my money out? Yes. Because Tuyo is self-custodial, you can always withdraw your funds in crypto to your own wallet, even if KYC fails or your account is restricted. No lock-ups, no exceptions. What can I use to pay with the Tuyo Card? Tuyo Card uses your USDC on Base, even if it is in an earn strategy, so it keeps earning until you spend. You can disable use of your Earn balance and the card will then only use USDC that is not deposited in any strategy. Which networks does Tuyo support? You can deposit and withdraw assets on Ethereum, Base, Arbitrum, Optimism, and Polygon. The Tuyo Card and account services operate on Base. What are the trading fees in Tuyo? Tuyo charges a volume fee of 25 basis points (0.25%). If the network is congested, fees may be higher as we charge the greatest between the network fee or the Tuyo volume-based fee. Bridging tokens and trading between stablecoins are exempt from the volume-based fee; only network fees may apply. What is Tuyo Earn? Tuyo Earn lets you deposit USDC, EURC, ETH, or BTC and earn up to 11% APY. We curate for you the best yield strategies available in the market and provide an easy path to benefit from them. Tuyo takes a 10% performance fee on returns from Earn strategies. All APYs shown on Tuyo are calculated including this fee. Every strategy’s information is detailed on its factsheet, available in our apps. Status FAQ Careers Help X Legal Terms Privacy Tuyo Inc. is a financial technology company. Tuyo is not a bank, cryptocurrency exchange, or asset custodian. Tuyo facilitates self-custody, enabling users to have exclusive control over their funds through private keys they exclusively control and safeguard. All trading, earning, and decentralized finance (DeFi) activities occur directly on decentralized protocols and blockchain networks. Tuyo does not intermediate these transactions and is not a party to these transactions. APY shown is an estimate based on past performance of third-party DeFi protocols, is variable, and is not guaranteed. Actual returns may be lower or negative. Fiat currency services, including fiat-to-stablecoin conversions and virtual bank account number management, are provided by Bridge Ventures, Inc. ("Bridge"), a licensed and regulated money transmitter in the United States and compliant with relevant regulations in the U.S. and the European Economic Area (EEA). Bridge is not a bank. Tuyo partners with Signify Holdings, Inc. ("Rain"), a financial technology company, for card issuance services. Rain is not a bank, exchange, or asset custodian. Cards are issued by licensed partner institutions pursuant to agreements and licensing requirements applicable in their respective jurisdictions. Buy Now, Pay Maybe Program (BNPM) is operated solely by Tuyo Inc. and governed by these Terms. The issuer and network are not a party to the BNPM program. The BNPM program is not available in any jurisdictions where such program is prohibited by law, including any applicable US states and territories. This website and its services are not intended for, and should not be accessed by people located in the United Kingdom Status FAQ Careers Help X Legal Terms Privacy Tuyo Inc. is a financial technology company. Tuyo is not a bank, cryptocurrency exchange, or asset custodian. Tuyo facilitates self-custody, enabling users to have exclusive control over their funds through private keys they exclusively control and safeguard. All trading, earning, and decentralized finance (DeFi) activities occur directly on decentralized protocols and blockchain networks. Tuyo does not intermediate these transactions and is not a party to these transactions. APY shown is an estimate based on past performance of third-party DeFi protocols, is variable, and is not guaranteed. Actual returns may be lower or negative. Fiat currency services, including fiat-to-stablecoin conversions and virtual bank account number management, are provided by Bridge Ventures, Inc. ("Bridge"), a licensed and regulated money transmitter in the United States and compliant with relevant regulations in the U.S. and the European Economic Area (EEA). Bridge is not a bank. Tuyo partners with Signify Holdings, Inc. ("Rain"), a financial technology company, for card issuance services. Rain is not a bank, exchange, or asset custodian. Cards are issued by licensed partner institutions pursuant to agreements and licensing requirements applicable in their respective jurisdictions. Buy Now, Pay Maybe Program (BNPM) is operated solely by Tuyo Inc. and governed by these Terms. The issuer and network are not a party to the BNPM program. The BNPM program is not available in any jurisdictions where such program is prohibited by law, including any applicable US states and territories. This website and its services are not intended for, and should not be accessed by people located in the United Kingdom
Every score is Jev’s own opinion. 0 is the least favorite; 1,000 is the absolute favorite.