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Nebeus vs Tuyo

Compare rates, fees, access, and key features side by side.

Nebeus

Nebeus

Nebeus is a multi-currency financial platform that merges fiat money services with crypto, supporting more than 25 coins. Its earn side runs on crypto...

Score4.2
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VS
Tuyo

Tuyo

Tuyo is a self-custodial finance app built entirely around USDC: hold it, earn on it, and spend it from one balance. Tuyo was founded in 2024, is base...

Score4.3
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General

Platform
Nebeuslogo
Tuyologo
Founded
Nebeus2014
Tuyo2024
Headquarters
NebeusSpain
TuyoWilmington, DE
Availability
NebeusUK, Europe and Latin America
TuyoWorldwide, excluding the UK

Fees & Financial

Bonus
Nebeus
Tuyo$10 bonus
Token
Nebeus
Tuyo
Compounding
NebeusNo
TuyoNo
Payouts
NebeusDaily
Tuyo
Fees
Nebeus
TuyoUp to ~1% FX spread, 0.25% trading fee, and 10% performance fee on Earn returns
Lockup
Nebeus1-4 months
Tuyo
Maker Fee
Nebeus
Tuyo
Taker Fee
Nebeus
Tuyo

Cryptocurrency Rates

BTC Rate
Nebeus3.5%
Tuyo
BTC Max
Nebeus4.5%
Tuyo
ETH Rate
Nebeus3.5%
Tuyo
ETH Max
Nebeus4.5%
Tuyo
Stablecoin Rate
Nebeus
Tuyo

Nebeus

Review

Pros

  • Earn, staking, loans, and a card across 25+ coins
  • Staking can be unstaked instantly, with no penalties
  • Renting terms run from flexible up to fixed 1–4 month terms

Cons

  • Not available in the US; UK, Europe, Latin America only
  • Fixed renting terms lock your funds for 1–4 months
  • Yield is funded by Nebeus's own internal lending business

Tuyo

Review

Pros

  • Self-custodial; you hold your own keys
  • Earn on USDC, then spend the same balance with Tuyo's card
  • Yield accrues automatically through integrated DeFi vaults

    Cons

    • USDC only; no other coins earn
    • Rates vary with market conditions and the vault you choose
    • A performance fee is deducted from Earn returns