What is Buy Now, Pay Maybe (BNPM)?
Buy Now, Pay Maybe (BNPM) is a Tuyo feature where some of your card purchases are randomly free. Every time you pay with the Tuyo Card, Tuyo might cover the purchase — so it can cost you $0. It only exists on Tuyo.
Security & custody
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.
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 happens if my card KYC is rejected?
Sometimes applications fail due to document issues, unclear photos, or unsupported occupation codes. In most cases, resubmitting with corrected details solves the issue. Even if your card KYC fails, you always remain in full control of your funds since Tuyo is self-custodial.
Fees
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.
What fees does the Tuyo Card have?
The card has no hidden fees. There’s no issuance fee, no monthly fee, and no fee for USD transactions. The only cost that may apply is a small FX spread (up to ~1%) when spending in currencies other than USD.
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.
Tuyo Card
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.
Can I spend directly from Tuyo Earn?
Yes. The Tuyo Card can spend your USDC even while it is in an Earn strategy, so it keeps earning until you spend. If you prefer, you can disable use of your Earn balance and the card will only draw from USDC that is not deposited in a strategy.
Which tokens work with the card?
The card is powered by USDC on Base. You can deposit USDC (or any token) on Ethereum, Base, Arbitrum, Optimism, or Polygon, and convert to Base USDC for free inside Tuyo.
Can I use the card with Apple Pay or Google Pay?
Yes, you can add your card to Apple Pay and Google Pay. In some cases, Apple or Google may reject the addition based on their own risk checks (device, location, or account history).
Can I withdraw cash from ATMs or set a PIN?
Not yet. The Tuyo Card works for in-store, online, and mobile wallet purchases, but it doesn’t currently support ATM withdrawals or setting a PIN.
What are the card limits?
You can spend up to $10,000 per day. Limits increase with usage and account history.
Is there a physical card?
Not yet. A physical card is in the works and will be available soon.
Networks & Earn
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 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.
Rewards & TUYOs
Are TUYOs tokens?
No. TUYOs are points in our rewards program and are not a cryptocurrency token.
When is Tuyo launching a token?
We expect to launch a token in 2026. We will communicate concrete plans by official channels only.
Are TUYOs tradable?
TUYOs are not tradable nor transferable. There’s no other way to get TUYOs other than by using the platform. Anyone who sells TUYOs might be trying to scam you.
Is there going to be an airdrop?
At token launch, Tuyo will allocate at least 20% of its supply to users and community.
