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Whitepaper · v0.2 — September 2026

Spend crypto, anywhere.

Tyvo Pay turns crypto on Robinhood Chain into a card you check out with — no bank, no account, no identity verification. This document describes how it works, the architecture beneath it, and where it's headed.

01

Abstract

Tyvo Pay is a crypto-funded checkout layer. You fund an order with crypto on Robinhood Chain, Tyvo issues you a card, and you check out at everyday online merchants — without a bank account, a sign-up, or an ID upload. Tyvo bridges self-custodied crypto and ordinary online commerce while keeping card data off our servers and your chain identity away from merchants.

02

The problem

Crypto is still hard to spend. Most cards that promise to fix that pull you straight back into the banking system — accounts, credit checks, identity verification, and region gating — before you can buy anything. Stablecoins end up sitting idle in a wallet instead of being usable money.

Tyvo's premise is narrow and practical: let people convert crypto into spendable card balance at the moment of checkout, with as little friction and as little disclosure as the rails honestly allow.

03

How Tyvo works

Three steps:

  1. 1
    Choose an amount
    Tell Tyvo how much spendable balance you need.
  2. 2
    Send crypto on Robinhood Chain
    Pay the order in USDG to your single-use deposit address.
  3. 3
    Get a card
    Once the deposit confirms, Tyvo issues a card you check out with — and the extension can autofill it for you.
04

Architecture

Three layers move value from an on-chain deposit to a usable card, with a hard boundary between Tyvo and the card number itself.

Intake on Robinhood Chain

Every order gets a fresh, single-use deposit address on Robinhood Chain. Incoming USDG is watched on-chain, confirmed to a safe depth, and swept to treasury. An idempotent ledger keys each deposit by its transaction so nothing is ever double-counted or replayed.

Issuance

Once a deposit confirms, Tyvo sources a card through a card partner and returns a redemption code — a store gift card where supported, or a prepaid Visa card elsewhere. Tyvo never receives or stores the card number server-side, keeping card data out of scope.

Checkout bridge

A browser extension surfaces the card at checkout and autofills the merchant form for you. Card details live only in your browser for that moment — they are never sent to or kept on Tyvo's servers.

05

Privacy & custody

Tyvo's privacy comes from the card boundary, not from obscuring the chain. We want to be precise about what that does and does not mean:

  • No ID upload, no identity verification. You provide a cardholder name to use the card. That's the only detail we need — there's no document check or account to open.
  • Merchants never see your wallet. A merchant sees a card, not your address or your on-chain history. Your spending isn't linked back to your chain identity.
  • We don't run a mixer or ZK layer. On-chain deposits are public by nature, and Tyvo doesn't pretend otherwise. The privacy benefit is the merchant-side boundary above — not hiding activity on Robinhood Chain.
  • Tyvo never touches the card number. Card details are revealed to you and your browser, never stored on Tyvo's servers. This keeps card data out of Tyvo's scope by design.
06

Networks & assets

Robinhood Chain. USDG first.

Tyvo settles on Robinhood Chain, an Ethereum layer 2 built by Robinhood on Arbitrum. Its mainnet went live in July 2026, and transaction fees are paid in ETH.

Orders are paid in USDG, the chain's native dollar stablecoin, issued by Paxos. A dollar-denominated stablecoin keeps the amount you send equal to the balance you get — no slippage between quote and settlement. More assets follow as the product matures.

07

Roadmap

Robinhood Chain rebuildNow
Moving deposit intake and card issuance to Robinhood Chain.
The Tyvo extension
One-click checkout that launches at the merchant and autofills your card.
$TYVO
The Tyvo token, launching on @ponsdotfamily.
More assets
Beyond USDG, broadening what you can pay with.
Wider card coverage
More card types, merchants, and regions as partnerships expand.
08

Status & disclaimer

Tyvo Pay is not live yet — we're rebuilding on Robinhood Chain. This document describes the system's design and direction; details, limits, and supported regions may change as the product develops. It is not an offer of securities, investment advice, or a guarantee of availability in your jurisdiction. Cards are issued by third-party card partners, and usage limits apply. Tyvo Pay is an independent project built on Robinhood Chain and is not affiliated with or endorsed by Robinhood Markets, Inc.

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