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Tuyo: Buy Now, Pay Maybe

Tuyo: Buy Now, Pay Maybe

Pay for things, get some free

124 ratings
39 reviews
💰 Finance
Free

Details

  • Released
  • Updated
  • September 20, 2024
  • July 15, 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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What's New in Tuyo

1.26.53

July 15, 2026

All your vouchers in one swipe and gas station holds on your USDC card ALL YOUR VOUCHERS IN ONE PLACE Got more than one voucher? Now you can swipe through all of them and see how much each one has left. They still apply automatically at checkout, so you don't have to do a thing. Find them by tapping your voucher balance in the Spending tab. GAS STATION HOLDS, EXPLAINED Filled up your tank and noticed a $175 charge? That's a temporary hold gas stations place with any card, including your USDC card. Pending fuel purchases now explain the hold clearly, and the real amount appears once the station processes the final charge, usually within 1–2 business days. You'll see it right in the transaction details. This update also includes faster loading, smoother scrolling, and bug fixes.

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User reviews

Most RecentHighest RatedLowest Rated

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!
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cm16ycm16y

DOESNT WORk

Either app broke or what. Cannot hit continue
SassySy88SassySy88

Bad support and Link verification problems

I used Tuyo during the initial promotions with cashback, but whatever recent verification via Link has been done does not allow me to add more funds to my account. Support is unresponsive and treats this with no urgency. I deleted my account. If it’s not urgent to allow me to use your product, you don’t need my money.
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G2KalG2Kal

Unusable

Cannot set up account. on the page to input your SSN, the keyboard blocks you from going to the next step
yes020282yes020282
See 34 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.