# Two non-custodial accounts. Different priorities.

Tuyo and Fiber both keep users in control. We built Fiber to make that control feel as easy as a neobank, with one account for getting paid, using earn and accessing supported markets.

## THE SHORT ANSWER

Choose Fiber when you want non-custodial control, private supported activity, account rails, earn and markets in one account. Choose Tuyo when its wider published token list, selectable DeFi strategies and rewards matter more.

## Similar boundary. Different center of gravity.

Both products protect user control. Our difference is scope: Fiber packages that control into a complete everyday account instead of a wallet toolkit you assemble yourself.

| Topic | Fiber | Competitor | Takeaway |
| --- | --- | --- | --- |
| Asset control | We are non-custodial and cannot access your funds, while keeping the account experience familiar and simple. | Tuyo says users control their funds and private keys. | Both are designed to keep core wallet control with the user. |
| Financial privacy | We shield supported on-chain transfers, trades and earn activity with zero-knowledge proofs. | Tuyo describes its card as private by design and says users remain in control during DeFi activity. | Compare the privacy of supported on-chain activity, separately from account security. |
| Trading | We offer supported tokenized stocks, commodities and crypto 24/7 with 0% Fiber trading fees. | Tuyo advertises 15,000+ tokens across five networks and publishes a 0.25% volume fee for most trades. | Tuyo leads on published token count; we lead with 0% Fiber trading fees and a tokenized-market focus. |
| earn | We integrate earn into one balance and show it accruing continuously in real time. | Tuyo publishes curated DeFi strategies for several assets and a 10% performance fee on returns. | We emphasize one live balance; Tuyo emphasizes strategy choice and published APYs. |
| Account rails | We provide eligible US account details for ACH and domestic wires with 0% Fiber deposit fees. | Tuyo advertises personal account details and multiple currencies through integrated fiat partners. | Both connect bank rails; provider, fee and jurisdiction details should be checked in-app. |

## Fiber fit

- You want non-custodial control without managing a wallet-shaped workflow.
- You want one account for private activity, earn, tokenized markets and getting paid.

## Tuyo fit

- You want published access to a very large token catalog across five networks.
- You prefer choosing among multiple DeFi earn strategies.
- You value rewards and a card experience built around Base USDC.

Tuyo shares our user-control principle. Fiber focuses on incoming account rails, live earn, private supported activity and markets around the same non-custodial wallet.

## FAQ

### Are both Fiber and Tuyo non-custodial?

Both products keep core wallet control with the user. We build a familiar account around that boundary. Integrated services can still have separate identity, eligibility and processing requirements.

### Which has lower trading fees?

We charge 0% Fiber trading fees for supported tokenized stocks, commodities and crypto. Tuyo publishes a 0.25% volume fee for most trades, with exceptions; network costs can apply to both.

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Fiber is a financial technology company, not a bank. Banking services are provided by SSB, Member FDIC. Funds deposited at SSB are eligible for FDIC insurance up to $250,000 per depositor, per insured bank, subject to applicable limitations and FDIC rules.