TUYO Airdrop Guide 2026: TUYOs Points, Visa Card, Apple Pay, KYC, Regions and Token Status
TUYO has no token or airdrop announced. How TUYOs points, the USDC Visa card, Apple Pay, fees, KYC, the 27 blocked countries and Pay Maybe work, and how to position.
TUYO Airdrop Guide 2026: TUYOs Points, Visa Card, Apple Pay, KYC, Regions and Token Status
TUYO is one of the cleaner crypto card apps I have used: a USDC balance, a Visa card on top, and interest strategies you pick yourself. It also runs a points program, TUYOs, which is why it sits on our airdrop list. I went through Tuyo's site, FAQ and every help-center guide on October 27, 2026. Here is what is confirmed, what is not, and how I would position.
As of October 27, 2026: Tuyo has not announced a token or an airdrop. Its FAQ says TUYOs are points in a rewards program, not a cryptocurrency, that they cannot be traded or transferred, and that confirmed token plans "will be shared through official channels". Treat any airdrop as speculative. (code WEB3WIKIS).
Catalog entry: TUYO .
What is TUYO?
Tuyo calls itself "your money companion". Under the hood it is a self-custodial app: you hold the keys to a smart account, and Tuyo never takes custody. Fiat rails (bank account numbers, deposits and withdrawals) run through regulated partners, with Bridge handling the bank-account side, and the card is issued by licensed institutions.
What you get:
- Cash: a USD balance held as USDC on Base. It can earn interest and stay spendable on the card at the same time.
- Interest: up to 4.0% APY from a curated list of third-party lending strategies, paid in real time. Tuyo is blunt that these are not bank deposits, are not insured and can return less than zero.
- Tuyo Card: a Visa that spends your Cash balance at 175M+ merchants.
- Payments and bank details: receive USD by domestic transfer, EUR by SEPA and MXN by SPEI to account details in your name, or add cash by card, Apple Pay, Google Pay, a linked US bank, Coinbase or a crypto transfer.
- Investing: buy BTC and ETH and access DeFi strategies inside the app.
- Tuyo AI (beta): connect Claude, ChatGPT, OpenClaw or n8n. The assistant can read balances and prepare a send or conversion, and nothing moves until you approve it on your phone.
Who is behind it: Tuyo was announced on May 7, 2024 by Jorge Izquierdo, co-founder of Aragon, and Alejandro Perespaya, former head of digital products at Allfunds. It says it has 100K+ users and a 4.5+ rating. I found no disclosed funding round for Tuyo itself. YO Protocol, the yield optimizer that raised $24M (Paradigm seed, Foundation Capital Series A), was reported by Bitcoin.com to have integrated with wallets including Tuyo. That is a partnership, not ownership, and YO's own token drop is not a promise for Tuyo.
Is the TUYO airdrop confirmed?
No. Here is the honest signal check:
- For: a live, non-transferable points program (TUYOs), real card and trading volume, a team with a long crypto track record, and an FAQ that leaves room for a token ("confirmed plans will be shared through official channels").
- Against: no token, TGE date, allocation or snapshot has been published by Tuyo. Older third-party listings said a token was confirmed for early 2026 with 20% of supply for users and ran point seasons with 4x to 1x multipliers. None of that came from Tuyo's own channels, and the dates have passed.
So: a speculative position on a product worth using anyway.
TUYO airdrop details
- Project: Tuyo (tuyo.com)
- Type: self-custodial neobank and Visa card
- Card chain: USDC on Base (deposits also accepted on Ethereum, Arbitrum, BNB Chain and Polygon, then converted)
- Status: points live, token unannounced
- Points: TUYOs, earned from card spend, trading, Earn and referrals; referrers get 20% of their invitees' TUYOs (per reviews of the program)
- Card fees: no issuance, monthly or yearly fee; 1% FX on non-USD spend plus a 1% provider fee outside the US (max 2%)
- Trading fee: 0.25% volume fee (bridging and stable-to-stable swaps exempt)
- Apple Pay / Google Pay: yes, subject to Apple and Google's own checks
- KYC : required for the card; a rejected application is final
- Join:
The card in detail
- Network and issuer: Visa, virtual for now. Tuyo's FAQ says a physical card is "coming soon". Card directories list Rain as the card program.
- Funding: the card only spends USDC on Base sitting in Cash. Anything else, or anything in Investments, has to be converted or moved first.
- Limits: up to $50,000 a day for new cards, rising to $100,000 and then $200,000 as your spending grows.
- ATM: set a PIN, choose Credit at a Visa ATM. Up to $250 per withdrawal including surcharge, and three attempts in a rolling 24 hours (declined attempts count).
- Buy Now, Pay Maybe: launched in May 2026. Some purchases are randomly covered by Tuyo, so they cost you nothing. The terms say you cannot rely on it, and no odds are published.
Which regions are supported?
Tuyo verified its lists on July 16, 2026. The platform is not available in 27 countries: Afghanistan, Bangladesh, Belarus, China, DR Congo, Cuba, India, Iran, Iraq, Lebanon, Libya, Mali, Myanmar, Nepal, Nigeria, North Korea, Russia, Somalia, South Sudan, Sudan, Syria, Turkey, Ukraine, the United Kingdom, Venezuela, Vietnam and Yemen.
The card provider adds its own layer. In the US, the card cannot be issued to residents of Arizona, Delaware, Georgia, Idaho, Louisiana, Maryland, Mississippi, Missouri, Nevada, New Mexico, North Dakota, Ohio, Oregon, Rhode Island, South Dakota, Tennessee, Vermont, Washington and Wisconsin, plus DC, Puerto Rico and the other territories. Bridge's bank accounts are not offered to New York residents.
How to farm TUYOs (step by step)
Can the Tuyo card buy crypto on MoonPay or Pump.fun?
Do not count on it. Tuyo's docs do not list blocked merchants, but card directories name Rain as the card program, and Rain's default block list (published in another Rain-issued card's docs) declines crypto purchases (MCC 6050 and 6051), securities brokers (6211) and MoonPay by name. I found no report of a Tuyo card buying through MoonPay. If you want crypto, deposit USDC directly instead.
How much does it cost?
The card itself is free. Your real costs are FX (up to 2% abroad), the 0.25% trading fee, network fees on deposits from unsupported routes, and any card or Apple Pay top-up fee. A realistic start is whatever you spend in a normal week, sitting in Cash.
Is TUYO safe and legit?
The team is known, the app is self-custodial and fiat runs through regulated partners. The risks are specific: interest strategies are third-party DeFi and can lose money, Pay Maybe is discretionary, card access depends on the provider's own review, and there is no token promise. Keep spending money on the card, not savings. Never share your recovery phrase.
FAQ
Are TUYOs a token? No. Tuyo says they are non-transferable points. Anyone selling TUYOs is likely scamming you.
Is there a TUYO airdrop? Not announced. It is a speculative position.
Does it work with Apple Pay? Yes, and Google Pay, unless Apple or Google reject the card on their own checks.
Is there a UK version? No. The UK is on Tuyo's prohibited list.
Pendle or Exponent angle? None. TUYOs are not tokenized anywhere.
Related? Tria (card with a live token), XPlace (Solana credit card with XP), Hyperliquid and the full airdrops list .
Start here: . Research, not financial advice.
More field notes
New to web3, or want the bigger picture beyond airdrops? Explore web3wikis - how it works, why it matters, and what you can do with it.
Research, not financial advice.