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Ethena Pay vs Tuyo Card

Ethena Pay scores higher on the G2M score: 83/100 against 61/100 (#1 and #17 of 26 cards). Pick Ethena Pay for cashback and a lower FX fee; pick Tuyo Card for more countries.

Ethena Pay83

#1 of 26 · 4% to 5% back · annual fee none

Get EthenaRead the review
Tuyo Card61

#17 of 26 · Not published back · annual fee none

Get TuyoRead the review

The short answer

  • Ethena Pay scores higher on the G2M score: 83/100 against 61/100 (#1 and #17 of 26 cards).
  • Ethena Pay pays 4% cashback on its entry tier; Tuyo Card does not publish a rate. Higher tiers go up to 5% on Ethena Pay.
  • Neither card has an annual fee.
  • Ethena Pay charges less on foreign currency: a 1% FX fee against 2%.
  • Ethena Pay lists 48 countries where it works; Tuyo Card does not publish a full country list (216 confirmed so far). Of the markets we check for every card, only Tuyo Card is confirmed in United States and EU / EEA.
  • Both are self-custodial.

Want the answer for your own spending, or the next tier up of each? See what each keeps you a year or pick tiers and add a third card.

Side by side

Detail
Ethena Pay
Tuyo Card
G2M score
83 (better)
61
Base cashback
4%
Not published
Max cashback
5%
Not published
Paid in
AVAX, daily
Not published
Annual fee
Free
Free
FX fee
1% (better)
2%
Top-up fee
0%
0%
Per-purchase fee
None listed
None listed
ATM
$1 + 0.65% per withdrawal
Up to $250 a withdrawal incl. the ATM surcharge, 3 attempts a day; Tuyo fee not published
Network
Visa
Visa
Card type
Spend
Spend
Custody
Self-custodial
Self-custodial
Formats
virtual
virtual
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
No
UAE
Yes
Yes
United States
No
Yes
United Kingdom
No
No
EU / EEA
No
Yes
Countries
48
Worldwide except 34 restricted countries and territories, incl. the UK and India
Bank account (IBAN or account number)
In your name
In your name
Send money to a bank account
Not confirmed
3 currencies
Buy and sell crypto with fiat
Buy and sell
Buy and sell
Spend against crypto without selling
No
No
Yield on your balance
Yes
Yes
Tiers
Standard · Pro · VIP
Tuyo Card
Perks
Works on Arbitrum, Ethereum, Optimism and Polygon · 5% a year on your balance, up to $5,000, paid daily in USDe · 6% a year on your balance, up to $100,000, paid daily in USDe · 6% a year on your balance, up to $1,000,000, paid daily in USDe
Some purchases made free at random · Interest on your USD balance (variable) · Daily limit up to $200,000

Highlighted values are the better of the two. “Not published” means the issuer does not state it. Card data last checked 25 Oct 2026; see each card's review for its sources.

Questions

Which is better, Ethena Pay or Tuyo Card?

Ethena Pay scores higher on the G2M score: 83/100 against 61/100 (#1 and #17 of 26 cards). Pick Ethena Pay for cashback and a lower FX fee; pick Tuyo Card for more countries. The better card for you depends on where you live and how you spend; the G2M calculator works it out for your own spending.

Which has lower fees, Ethena Pay or Tuyo Card?

Neither card has an annual fee. Ethena Pay charges less on foreign currency: a 1% FX fee against 2%.

Which pays more cashback, Ethena Pay or Tuyo Card?

Ethena Pay pays 4% cashback on its entry tier; Tuyo Card does not publish a rate. Higher tiers go up to 5% on Ethena Pay.

Which works in more countries, Ethena Pay or Tuyo Card?

Ethena Pay lists 48 countries where it works; Tuyo Card does not publish a full country list (216 confirmed so far). Of the markets we check for every card, only Tuyo Card is confirmed in United States and EU / EEA.

Who holds my funds with Ethena Pay and Tuyo Card?

Both are self-custodial.

More comparisons

Scores use the same rules for every card (how the score works). Referral links never change a score or rank. Not financial advice.