How Tuyo brought spending and earning together on Base
100K+
People using Tuyo
Company-reported figure from tuyo.com, as of October 14, 2026. User count is Tuyo-wide.175M+
Acceptance locations
Company-reported figure from tuyo.com, as of September 24, 2026. Card acceptance locations reflect potential reach, not active usage.0%
Fee on USD card spend
Per Tuyo Card pricing (tuyo.com/card), as of September 24, 2026. Non-USD purchases may incur an FX spread of up to approximately 1%. Other Tuyo services have separate fees.Tuyo connects spending, earning, and investing in one self-custodial financial app. Its card and account services run on Base, allowing customers to spend USDC directly from an earning strategy. For financial businesses, it demonstrates a different product model: customers can put money to work without moving it out of reach of everyday payments.
Money that can do both
Checking and savings accounts work like separate pockets: one holds money for spending, the other holds money set aside to earn. Customers keep moving funds between them.
Tuyo connects the two. Customers choose how their money earns, and their card can draw from that balance when they pay. For financial businesses, that means offering spending and earning in one experience, without asking customers to move money between separate accounts.
“The concept of checking and savings accounts has run its course.”
Jorge Izquierdo
Co-founder and CEO, Tuyo
Why Base
That experience depends on infrastructure that makes everyday transactions economical. High blockchain fees once made small payments impractical. Base’s low-cost transactions, combined with stablecoins and improved account experiences, made it possible for Tuyo to build on self-custodial rails without exposing customers to repeated wallet prompts.
Tuyo’s card and account services operate on Base, connecting everyday payments with the onchain strategies customers use to earn.
What this enables
The Tuyo Card can spend USDC held in an Earn strategy, so funds can keep earning until they are spent. Customers remain in control and can instead restrict card spending to USDC outside those strategies.
For fintechs and financial institutions, Tuyo shows how onchain infrastructure can connect payments and earning within one customer experience, without requiring customers to manage separate products.
Building your next financial product?
Talk to Base about connecting payments, stablecoins, and onchain financial services in your app.
Tuyo is an independent, third-party financial technology company, not a bank, and is not affiliated with Coinbase. Funds held in Tuyo, including in earning strategies, are not FDIC-insured. Returns from earning strategies are variable and not guaranteed; actual returns may be lower or negative. Product availability is subject to eligibility and geographic restrictions. Figures are reported by Tuyo and may change.
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