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Tuyo: Buy Now, Pay Maybe

Tuyo: Buy Now, Pay Maybe

Pay for things, get some free

130 ratings
44 reviews
💰 Finance
Free

Details

  • Released
  • Updated
  • September 20, 2024
  • September 16, 2026

Features

Developer

Tuyo
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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

1.26.58

September 16, 2026

Widgets are here: see what you can spend on your USDC card without opening the app WIDGETS FOR YOUR HOME SCREEN Keep an eye on your money at a glance. Available to spend shows what you can spend on your card right now, Spent this month tracks your card spending month by month along with your biggest and latest purchases, and Investments shows your portfolio, today's change and your top positions. Each one comes in a small and a wide size, and a tap takes you straight to the right place in the app. To add one, touch and hold an empty area of your Home Screen, tap Edit, then Add Widget, and search for Tuyo. CLEARER, FASTER SENDS Your confirmation now updates within seconds of your transfer going through, without waiting on a notification. The summary before you confirm is simpler too: who it's from, who it's to, what they get, the rate and the Tuyo fee, all in one place. When you send a token from its page in Wealth, the other person now gets that same token and you can send all of it with Max. Tap Send on the home screen to try it. This update also includes stability improvements and bug fixes.

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User reviews

Most RecentHighest RatedLowest Rated

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
James AndersoJames Anderso

definitely recommend

I recommend it without a doubt
lucianaticlucianatic

Bad

This is the worst app I’ve ever used.

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

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
dewgongoodewgongoo

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!
Show more
cm16ycm16y
See 39 more reviews

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.