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Phemex vs Tuyo

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

Phemex

Phemex

Phemex offers Flexible Savings and a separate lending pool where supplied assets earn interest from borrowers. Flexible Savings can be redeemed withou...

Score4.3
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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
Phemexlogo
Tuyologo
Founded
Phemex2019
Tuyo2024
Headquarters
PhemexSingapore
TuyoWilmington, DE
Availability
PhemexRestricted in the U.S., UK, Australia and other listed jurisdictions; Canadian restrictions include Ontario, Quebec, Alberta and Saskatchewan.
TuyoWorldwide, excluding the UK

Fees & Financial

Bonus
Phemex$20 bonus
Tuyo$10 bonus
Token
Phemex
Tuyo
Compounding
PhemexNo
TuyoNo
Payouts
Phemex
Tuyo
Fees
Phemex
TuyoUp to ~1% FX spread, 0.25% trading fee, and 10% performance fee on Earn returns
Lockup
Phemex
Tuyo
Maker Fee
Phemex0.1
Tuyo
Taker Fee
Phemex0.1
Tuyo

Cryptocurrency Rates

BTC Rate
Phemex1%
Tuyo
BTC Max
Phemex3%
Tuyo
ETH Rate
Phemex1.5%
Tuyo
ETH Max
Phemex3%
Tuyo
Stablecoin Rate
Phemex2%
Tuyo

Phemex

Review

Pros

  • Flexible Savings redeems with no lockup and pays rewards daily
  • Auto-Transfer sweeps idle USDT balances into Savings automatically
  • Interest compounds while it stays in the savings balance

Cons

  • Closed to US customers, with UK and Australia restrictions as well
  • Best rate covers only the first balance tier; more earns less
  • Rates can change after subscribing; fixed rates are not guaranteed

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