Tuyo Card scores 9/16, Kripicard scores 5/16 on the CBL Card Score. Here is every criterion side by side.
| Custody | 2 of 2 | 0 of 2 |
| Issuer and licence | 1 of 2 | 0 of 2 |
| Availability | 0 of 2 | 0 of 2 |
| FX fee on a foreign-currency purchase | 0 of 2 | 2 of 2 |
| Funding cost | 2 of 2 | 0 of 2 |
| Apple Pay and Google Pay | 2 of 2 | 2 of 2 |
| Freeze and dispute policy | 0 of 2 | 1 of 2 |
| Yield on idle balance | 2 of 2 | 0 of 2 |
| Total | 9 | 5 |
The short verdict: Tuyo Card leads overall (9 to 5). Self-custodial; USDC stays in your smart account, 1% non-USD plus 1% outside the US FX. Health: Watch. Check each profile for what still needs confirming before deciding.
| Tuyo Card | None published. "Buy Now, Pay Maybe": some card purchases are randomly covered by Tuyo. TUYOs are non-transferable reward points ahead of a token "we expect to launch in 2026" (official, tuyo.com/faq, checked 20 Oct 2026). Rewards listed as "TBD" (third-party: SpendNode, 21 Sep 2026). |
| Kripicard | None published (official, checked 20 Oct 2026). The $KRIPI utility token on Solana is described as giving possible fee discounts, with no rates stated (official, home page; third-party: TechBullion, 11 Feb 2026). |
Cashback is shown as a dated fact and never scored.