What is Tuyo?

Tuyo is a self-custodial fintech platform that enables users to manage stablecoins and cryptocurrencies while earning yields through DeFi protocols and spending via a debit card. It operates by allowing deposits of assets like USDC, EURC, ETH, and BTC on chains including Ethereum, Base, Arbitrum, Optimism, and Polygon, where funds remain under user control via private keys without platform custody.

Users earn variable APYs up to 11% on deposits through curated DeFi strategies (with a 10% performance fee), trade with 0.25% fees, and spend USDC balances via a Visa card that supports Apple Pay and Google Pay, with balances continuing to earn until spent. Fiat services, including deposits, withdrawals, and virtual accounts, are handled by regulated partners, while all on-chain activities occur directly on decentralized networks.