Unlike many crypto cards, Gnosis Pay does not require preloading funds into a custodial account. Instead, your assets stay in your Safe wallet until you make a purchase, ensuring you retain full ownership and control.
Gnosis Pay’s hybrid model combines the security and decentralization of blockchain with the convenience of a global payment network. When you pay, Gnosis Pay checks your wallet balance in real-time and authorizes the transaction via Visa, converting your stablecoins on-chain as needed.
Supported stablecoins are fully regulated and 1:1 pegged to their respective fiat currencies: EURe (euro), GBPe (British pound), and USDCe (US dollar on Gnosis Chain).
To enhance security, Gnosis Pay adds two smart-contract modules to your Safe wallet: a Delay module introduces a short delay before transactions finalize, giving you a chance to react, and a Roles module lets you define rules like spending limits, authorized recipients, and which stablecoin is used.
Gnosis Pay is built on Gnosis Chain, a blockchain known for low fees and fast transactions. Gas costs are minimal, and the network is highly decentralized — making it well-suited for frequent, real-world payments.
In addition to the technical aspects, Gnosis Pay supports its users with a cashback rewards program: cardholders can earn up to 5% cashback, paid in the GNO token.
For developers and financial platforms, Gnosis Pay also offers white-label infrastructure: companies can use its APIs to launch their own branded stablecoin card programs, supporting multi-currency accounts and global payment rails.
In summary, Gnosis Pay is a powerful and flexible solution that lets users hold their crypto securely while making everyday payments seamlessly, with strong security, regulated stablecoins, and the convenience of Visa.
