CIR animation

We compare crypto platforms and may earn a commission at no extra cost to you. Learn more

Coin Interest RateCoin Interest Rate
Email Alerts

Tuyo vs Zengo

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

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
Visit SiteReview
VS
Zengo

Zengo

Zengo is a self-custodial crypto wallet with built-in Ethereum staking. Instead of a seed phrase, the wallet uses multi-party computation and account-...

Score4.1
Visit SiteReview

General

Platform
Tuyologo
Zengologo
Founded
Tuyo2024
Zengo2018
Headquarters
TuyoWilmington, DE
ZengoIsrael
Availability
TuyoWorldwide, excluding the UK
ZengoWorldwide

Fees & Financial

Bonus
Tuyo$10 bonus
Zengo
Token
Tuyo
Zengo
Compounding
TuyoNo
ZengoNo
Payouts
Tuyo
ZengoDaily
Fees
TuyoUp to ~1% FX spread, 0.25% trading fee, and 10% performance fee on Earn returns
Zengo
Lockup
Tuyo
Zengo
Maker Fee
Tuyo
Zengo
Taker Fee
Tuyo
Zengo

Cryptocurrency Rates

BTC Rate
Tuyo
Zengo
BTC Max
Tuyo
Zengo
ETH Rate
Tuyo
Zengo
ETH Max
Tuyo
Zengo4%
Stablecoin Rate
Tuyo
Zengo

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

    Zengo

    Review

    Pros

    • Stake ETH in-wallet; no move to an exchange needed
    • Rewards accrue daily and auto-compound, with no fixed term
    • No seed phrase; MPC wallet with recovery controls

    Cons

    • 0.1 ETH minimum, and staking takes about 12 days to start earning
    • Unstaking and claiming take about 10 days
    • Earn is ETH-only, run through a single provider, Everstake