Tuyo: Buy Now, Pay Maybe

Tuyo: Buy Now, Pay Maybe

Pay for things, get some free

130 ratings
44 reviews
Free

Details

  • Released
  • Updated
  • September 20, 2024
  • August 31, 2026

Features

Tuyo: Buy Now, Pay Maybe screenshot #1 for iPhone
Tuyo: Buy Now, Pay Maybe screenshot #2 for iPhone
Tuyo: Buy Now, Pay Maybe screenshot #3 for iPhone
Tuyo: Buy Now, Pay Maybe screenshot #4 for iPhone
Tuyo: Buy Now, Pay Maybe screenshot #5 for iPhone
Tuyo: Buy Now, Pay Maybe screenshot #6 for iPhone
Tuyo: Buy Now, Pay Maybe screenshot #7 for iPhone
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About

Manage your digital dollars (USDC) with a self-custodial finance app. Access global banking features, send money instantly worldwide, and earn yield on your holdings. Spend USDC at millions of merchants using a linked card.

Self-custodial control of USDC
USD, EUR, MXN account numbers
Free, instant global USDC transfers
Spend USDC with Tuyo Card
Earn yield through staking and vaults
Modern, intuitive interface
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+1

What's New in Tuyo

1.26.57

August 31, 2026

Send money to anyone: another Tuyo user, a bank account or any crypto wallet A NEW WAY TO SEND Everyone you send to now lives on one screen. Recent recipients sit at the top, you can save favourites and give them names only you see, scan a QR code, or just type a Tuyo handle, an ENS name or a wallet address and send straight to it. Pick what you pay with and what they get, pay from your savings if you like, and confirm with a swipe. Tap Send on the home screen to try it. INSTANT DEPOSITS, NOW ACROSS EUROPE Add money in seconds with a debit card, Apple Pay or Google Pay and spend it straight away. Europe is switched on: you can now top up in euros the same way, in a single tap. The identity check happens once and takes a couple of minutes, and if a step doesn't go through there's a clear way to pick it back up instead of starting over. Bank transfer and crypto sit alongside it on their own tabs. Tap Add money to get set up. YOUR OWN DETAILS FOR RECEIVING TRANSFERS Get account details in your name: a CLABE, an IBAN, or an account and routing number, depending on where you live. Money arrives straight into Tuyo and is ready to spend. Euro deposits can convert to dollars automatically as they land. You'll find it in Add money, under Bank. SETTINGS, REDESIGNED Your account, redrawn from scratch. Change your username, manage notifications, biometrics and privacy from their own screens, review your personal details and proof of address, and set your card's spending limit with a slider, all in a few taps. Your TUYOs now have their own summary too, with the leaderboard and where your rewards came from. Tap your profile picture to look around. TRANSACTIONS THAT SHOW THE WHOLE STORY When a transfer converts between currencies or moves across networks, you now see both sides of it: what you paid, what the recipient got, the rate, the fees and the destination network. Bank payouts show the exact amount instead of an estimate whenever it's already known. This update also includes stability improvements and bug fixes.

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User reviews

Love it

The BNPL feature is no brainer. What a fun way to spend. Also really well designed UI, UX

Hope they deliver physical card with lounge access. Also statement for cards please

definitely recommend

I recommend it without a doubt

Bad

This is the worst app I’ve ever used.

The payments don’t deliver, they have zero support. Such a useless app

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

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!
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FAQ

What does Tuyo do?

Tuyo is a self-custodial finance app that allows you to earn, spend, and send USDC (digital dollars). It provides global banking features, instant international transfers, and tools to earn yield on your holdings. The app emphasizes user control and security with its self-custodial approach.

How can I spend USDC with Tuyo?

You can spend USDC by ordering the Tuyo Card directly through the app. This card can be used online or in-store at over 140 million merchants and supports Apple Pay. It accepts USDC natively and settles in local currency, functioning like a regular debit card.

What are the costs associated with using Tuyo?

The app itself is free to use. While transfers between Tuyo users are free, there are minimal on-chain costs for other transactions. The description mentions free USD, EUR, and MXN account numbers, and the Tuyo Card can be ordered from the app.

Is Tuyo compatible with my device?

The provided description does not specify compatibility details such as operating systems (iOS/Android) or minimum device requirements. It focuses on the app's features and functionality rather than technical specifications.

How does Tuyo ensure the security of my funds?

Tuyo utilizes a self-custodial model, meaning your private keys never leave your device. This eliminates middlemen and custodial risk, ensuring you are the sole owner of your funds. The app also highlights next-gen security features for peace of mind.