---
title: "Frequently asked questions"
description: "Answers about Tuyo fees, self-custody, supported networks, interest strategies and card spending."
category: "Product information"
source: "https://help.tuyo.com/guides/faq.html"
last_updated: "2026-10-20"
publisher: "Tuyo (https://tuyo.com)"
---

# Frequently asked questions

## Security & custody

### How secure is my money with Tuyo?

> Tuyo is self-custodial, which means you control your funds and private keys. We never take custody. Fiat services like deposits, withdrawals, and account numbers are handled through regulated partners, and your card is issued by licensed institutions.

### Can I always take my money out?

> Tuyo is self-custodial, so you control your wallet and private keys. A card rejection does not change that control. Interest strategies and third-party services have their own risks and conditions, and strategy withdrawals may be delayed. Review [strategy risks and withdrawal terms](https://help.tuyo.com/guides/review-cash-strategy.md) before choosing a strategy.

## Fees

| Question | Answer |
| --- | --- |
| Does Tuyo charge any fees? | There are no hidden fees for using your Tuyo Card or virtual account numbers — no issuance, monthly, or yearly fees. On card purchases, two fees may apply: a 1% FX fee when you spend in a currency other than USD, and a 1% abroad fee charged by our card provider on any purchase made outside the US. Both can apply together, for a total of up to 2%. |
| What are the trading fees in Tuyo? | Tuyo charges a volume fee of 25 basis points (0.25%). Bridging tokens and trading between stablecoins are exempt from the volume-based fee; only network fees may apply. |

## Networks and interest

| Question | Answer |
| --- | --- |
| Which networks does Tuyo support? | You can deposit and withdraw assets on Base, Ethereum, Arbitrum, BNB Smart Chain (BSC), and Polygon. The Tuyo Card and account services operate on Base. Tokens sent on any other network (for example Optimism) won't appear in the app, so always double-check the network before sending. Your wallet is self-custodial, so the funds stay at your address; [Your recovery phrase and smart-account address](https://help.tuyo.com/guides/understand-your-smart-account.html) explains how recovery works, at your own risk. |
| How does interest work in Tuyo? | Choose from a curated list of interest strategies in the app. Review the current APY, fees and risks before activating one. Rates change, returns can be negative, and strategies are not bank deposits or covered by deposit insurance. [Review a strategy](https://help.tuyo.com/guides/review-cash-strategy.md). |

### Can I spend money that is earning interest?

In the updated app, your eligible dollar balance in **Cash** can earn interest and remain available to your card. Separate **Investments** must be moved to your spendable balance first. If you still use the older Earn spending options, follow [the vault-to-Cash update](https://help.tuyo.com/guides/vault-to-cash-update.md) when your app offers it. [Check your card-spendable balance](https://help.tuyo.com/guides/card-spendable-balance.md) before paying.

## Other topics

- [Tuyo Card](https://help.tuyo.com/guides/card.html)

## Source

[Tuyo Frequently Asked Questions](https://tuyo.com/faq)