Tuyo — Expanding Retail Access to Stablecoin Yield

Introduction

Tuyo is a self-custodial universal stablecoin account that enables users to spend, earn, trade, and save with USDC and EURC across borders. Launched in 2024 by an Aragon co-founder, the platform combines a mobile app with DeFi vault integrations, offering up to 11% APY on deposits, commission-free currency exchanges, instant global transfers with minimal fees, and a physical debit card for spending crypto anywhere Visa is accepted. Tuyo's TUYO Rewards Program incentivizes users with points for every transaction, deposit, and referral. The platform aims to make stablecoins accessible as everyday money for mainstream consumers through simple, bank-like UX backed by non-custodial blockchain infrastructure.

To turn DeFi yield into a simple “Earn” button instead of a maze of protocols, Tuyo plugged into Yield.xyz’s unified yield API to power Tuyo Earn feature and TUYO rewards behind the scenes.

Challenges

• DeFi yields were fragmented across multiple chains and protocols (Morpho, Aave, Fluid, etc.), making it hard to present one coherent “Earn” experience.
• Building and maintaining direct integrations to each vault and network would eat up engineering time and slow new Earn strategies and campaigns.
• Tuyo needed yield to stay fully self‑custodial and onchain, while feeling as simple and safe as a high‑yield savings feature for non‑crypto‑native users.
• The new TUYO rewards program had to layer bonus points on top of every Earn strategy without custom wiring for each protocol. 

Yield.xyz Solution

• Unified Yield Infrastructure: Tuyo integrated Yield.xyz’s API to access a curated catalog of onchain yield strategies (including Morpho and Aave) through a single backend, instead of many protocol‑specific builds.
• Embedded Tuyo Earn: Yield.xyz abstracts discovery, routing, deposits, and reward harvesting into Tuyo Earn vaults, so users just deposit USDC and see APY accrue—no DeFi dashboards, no bridges.
• Rewards‑Aware Yield: Because Earn strategies flow through the Yield.xyz integration, Tuyo can apply TUYO boosts (like 4× rewards across all supported yields) via one layer instead of rewriting each strategy.
• Self‑Custody Preserved: All yield activity still settles directly on decentralized protocols and networks; Yield.xyz provides the infrastructure while users keep full control of keys and funds in Tuyo. 

Results & Impact

• Tuyo now offers a single, consistent Earn experience that packages multi‑chain DeFi yield into one tap, making “passive income” feel like any other money feature in the app.
• Tens of thousands of users can earn yield and TUYO points directly inside Tuyo, turning it into a hub where they spend, earn, trade, and bank with stablecoins in one place.
• The Tuyo team ships new Earn strategies and rewards seasons much faster, relying on Yield.xyz’s infrastructure instead of rebuilding protocol and network integrations each time
• Tuyo reinforces its positioning as a borderless, high‑yield money account—“like a Swiss bank in your phone”—with onchain yields handled programmatically in the background.