# Tuyo: Buy Now, Pay Maybe — Pay for things, get some free > Self-custodial finance app for earning, spending, and sending USDC globally. (iPhone/iPad app by Tuyo.) - Source: https://appshunter.io/ios/app/tuyo-buy-now-pay-maybe/id6470110305 (this page in markdown: same URL + `.md`) - Developer: [Tuyo](https://appshunter.io/developer/1781041374) - Category: Finance - Price: Free - Rating: 4.40/5 from 130 App Store ratings · 44 written reviews indexed - Age rating: 17+ - Requires: iOS 16.4 · 166 MB - Languages: American English - Released: 2024-09-20 - Data updated: 2026-09-01 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/tuyo-buy-now-pay-maybe/id6470110305/reviews.md ## What is Tuyo? Meet Tuyo, the card that might not charge you. Every time you pay with Tuyo, your purchase might be completely free. Some purchases just cost $0. It's called Buy Now, Pay Maybe™. And it only exists here. Why you'll love Tuyo - A card that actually surprises you: Pay at any of 140M+ merchants worldwide with your Tuyo Visa card or Apple Pay. Some of those payments? Tuyo might not charge you. Completely real. - Your own bank accounts, worldwide: Get USD and EUR account numbers under your name. Receive payments like a local anywhere in the world. Send money globally, instantly, for free. - Trade without leaving your wallet: directly from your balance. Simple, fast, and always under your control. - Set up in 3 minutes: Get up and running hassle-free. Your money, your control: Your funds are secured by you, not held by a bank, not managed by a third party. Modern security designed for peace of mind. Tuyo Inc. is a financial technology company. Tuyo is not a bank, cryptocurrency exchange, or asset custodian. Tuyo facilitates self-custody and offers a card issued by a third-party card issuer. Through Buy Now, Pay Maybe (BNPM), Tuyo may, at its sole discretion, elect not to debit certain transactions. It's not a sweepstakes, lottery, contest, or game of chance. 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. BNPM is operated solely by Tuyo Inc. and governed by these terms: https://about.tuyo.com/Terms-of-Service-1f5bde14709281b2a8fff4a20910b4ed ## Key features - 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 ## Recent user reviews (10 of 44) All indexed reviews: https://appshunter.io/ios/app/tuyo-buy-now-pay-maybe/id6470110305/reviews.md ### 5/5 — Love it *2026-08-17* 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 ### 5/5 — definitely recommend *2026-08-06* I recommend it without a doubt ### 1/5 — Bad *2026-08-03* This is the worst app I’ve ever used. The payments don’t deliver, they have zero support. Such a useless app ### 1/5 — Buggy App *2026-07-11* 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 ### 5/5 — Absolutely Amazing! *2026-07-04* 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! ### 1/5 — DOESNT WORk *2026-06-22* Either app broke or what. Cannot hit continue ### 1/5 — Bad support and Link verification problems *2026-05-17* 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. ### 1/5 — Unusable *2026-05-09* Cannot set up account. on the page to input your SSN, the keyboard blocks you from going to the next step ### 1/5 — don’t do this app *2026-05-08* sent $20. they had me verify my everything to do so. they wanted me to verify again. i did. they rejected it. i did it again. they rejected it. so these guys are just holding onto 20 dollars they won’t let me send back to myself. what a waste of a morning i’m on the phone with my bank ### 1/5 — Can’t Even Up Cause The App Barley Works *2026-05-08* The App Barley Works I Can’t Hit Continue! It’s Ether The Keyboard Want Get Off My Screen Or The Buttons Are Literally Greyed Out. I Didn’t Think It Would Be This Hard To Sign Up I Was Expecting 2 Mins Tops But It’s Been A Day And It Still Doesn’t Work ## Frequently asked questions about Tuyo ### 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. ## Version history (last 5 releases) ### 1.26.57 — 2026-08-31 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. ### 1.26.55 — 2026-07-28 The latest version contains bug fixes and performance improvements. ### 1.26.54 — 2026-07-27 Invite a friend. You both get a $10 voucher to spend with your Tuyo Card INVITE FRIENDS, YOU BOTH GET REWARDED Share your personal invite link or username with a friend. When they join Tuyo and make 5 purchases with their card, you both get a $10 voucher to spend with your Tuyo Card. You can follow every invite's progress step by step, so you always know how close your next voucher is. Tap the new invite button in the Spending tab to get started. KNOW WHY A PAYMENT WAS DECLINED Some merchant categories aren't supported by your card, and when that's the reason a payment didn't go through, the transaction now says it clearly: "Merchant not supported". Tap any declined payment in the Spending tab to see the reason. This update also includes stability improvements and bug fixes. ### 1.26.53 — 2026-07-15 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. ### 1.26.52 — 2026-07-07 YOUR BUY NOW, PAY MAYBE SAVINGS, NOW INTERACTIVE How much have you saved with Buy Now, Pay Maybe? Now you can see it in an interactive animation: every purchase that came out free drops onto your screen, and you can play with your savings. Shake your phone and discover the surprise. SHARE YOUR SAVINGS Show off what you've saved with your Tuyo card: share your savings with friends and on social media in a single tap. FASTER CARD DEPOSITS Topping up your account is easier than ever: we removed extra steps from card deposits so your money arrives without friction. This update also includes stability improvements and bug fixes. ## Apps similar to Tuyo | App | Rating | Price | Category | | --- | --- | --- | --- | | [Avici: Internet finance](https://appshunter.io/ios/app/avici-internet-finance/id6465962039) | 4.4 (49) | Free | Finance | | [Aave: Save and Earn](https://appshunter.io/ios/app/aave-save-and-earn/id6754045087) | 4.6 (229) | Free | Finance | | [Ready: Crypto & Card](https://appshunter.io/ios/app/ready-crypto-and-card/id1358741926) | 4.5 (2,316) | Free | Finance | | [Fuse - Solana Smart Wallet](https://appshunter.io/ios/app/fuse-solana-smart-wallet/id6470302252) | 4.7 (30) | Free | Finance | | [Plasma One: Stablecoin Card](https://appshunter.io/ios/app/plasma-one-stablecoin-card/id6759033493) | 3.9 (96) | Free | Finance | | [Payy](https://appshunter.io/ios/app/payy/id6474760518) | 4.1 (35) | Free | Finance | ## Related topics [tuyo](https://appshunter.io/ios/topics/tuyo) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-01.*