The Complete Guide to Gnosis Pay
How the self-custodial Visa debit card lets you spend stablecoins directly from a smart account you control on Gnosis Chain.
What is Gnosis Pay?
Gnosis Pay is a Visa debit card linked to a smart account on Gnosis Chain. Most crypto cards ask you to deposit funds with a centralised company first. The Gnosis Pay card instead spends stablecoins directly from a Safe smart account that you control, at merchants that accept Visa.
Self-Custodial
Your funds stay in a Safe smart account controlled by your keys. No exchange holds your balance. You remain responsible for those keys.
On-Chain Settlement
Each card payment is settled by a transaction on Gnosis Chain. You can check every purchase on a block explorer.
Accepted Worldwide
Gnosis Pay runs on the Visa network. Per the Gnosis Pay docs, that means more than 80 million merchants worldwide, online and in store.
How Gnosis Pay Works
The Gnosis Pay card connects an on-chain account to the Visa payment network through a small set of smart contracts.
Gnosis Pay Safe
When you sign up, a Gnosis Pay Safe is created for you. This is a Safe smart account (formerly Gnosis Safe) on Gnosis Chain, configured with Gnosis Pay modules, that serves as your spending account.
Fund Your Wallet
Transfer a supported stablecoin (for example EURe or GBPe) to your Gnosis Pay Safe. Your balance is visible on-chain at all times and remains under your control.
Tap and Pay
When you pay, the Visa network sends the authorisation to Gnosis Pay, which checks your on-chain balance and approves the payment within the usual card time limit.
On-Chain Settlement
The payment amount is then moved from your Safe by an on-chain transaction on Gnosis Chain. You can check every purchase on a block explorer.
Payment Flow
Your Gnosis Pay Safe
Self-custodial wallet on Gnosis Chain
Gnosis Pay Infrastructure
On-chain settlement engine
Visa Network
80M+ merchants worldwide, per Gnosis Pay docs
Key Features
What sets the Gnosis Pay card apart from custodial crypto debit cards.
Self-Custodial
You hold your own keys. Funds leave your account only when you spend.
Fully On-Chain
Every settlement is a transaction on Gnosis Chain that you can verify.
Visa Accepted
Works wherever Visa is accepted: in store, online and contactless.
No Intermediary
No exchange holds your funds. Gnosis Pay only handles the card and fiat settlement.
Supported Assets
Gnosis Pay accounts hold stablecoins on Gnosis Chain. The list of supported tokens depends on your region and can change; the current list is in the help center (see Sources).
US dollar stablecoin
Gnosis Pay has added a US dollar stablecoin option on Gnosis Chain for dollar-denominated accounts. Availability depends on your region; check the help center.
USD PeggedEURe
A euro e-money token issued by Monerium, a licensed electronic money institution. Spending in euros from a EURe balance avoids currency conversion.
EUR PeggedGBPe
A pound sterling e-money token, also issued by Monerium. Spending in pounds from a GBPe balance avoids currency conversion.
GBP PeggedHow to Get the Gnosis Pay Card
Getting the Gnosis Pay card takes a few steps. Check the help center first to confirm the card is available in your country.
Visit Gnosis Pay
Go to the Gnosis Pay website and start the card application.
Complete KYC
Verify your identity with a government-issued ID. Know-your-customer (KYC) checks are required by the card issuer's regulations.
Receive Your Card
Order a physical card, which is shipped to your address, or use a virtual card where offered. Card options are listed in the help center.
Fund & Spend
Transfer a supported stablecoin to your Gnosis Pay Safe and start spending where Visa is accepted.
Supported Countries
Gnosis Pay launched in 2023 for residents of the European Economic Area (EEA) and has since extended availability, including to the United Kingdom. Coverage depends on the card partner in each region and changes over time. The current list of supported countries is in the Gnosis Pay help center (see Sources).
Fees and Limits
What the card costs and how limits work. Fees change over time and vary by region, so the figures below describe the fee structure; the live fee schedule is in the help center (see Sources).
| Fee Type | Amount |
|---|---|
| Card Issuance | One-time fee, amount in the help center |
| Monthly Fee | No subscription at the time of writing |
| Purchases in the card currency | No Gnosis Pay fee at the time of writing |
| Foreign Currency (FX) | Visa exchange rate, plus any FX fee in the help center |
| ATM Withdrawal | Not offered at launch; check the help center |
| On-Chain Gas | Fractions of a cent on Gnosis Chain (paid in xDAI) |
Spending Limits
Per Transaction
Set per account
Daily Limit
Set per account
Monthly Limit
Set per account
Limits depend on your verification level and region and can change. Your current limits are shown in the Gnosis Pay app; the general rules are in the help center.
Gnosis Pay vs Traditional Crypto Cards
How the Gnosis Pay card differs from custodial crypto cards. Fees, cashback and country coverage change often; compare the current terms on each provider's site.
| Feature | Gnosis Pay | Crypto.com | Binance | Revolut |
|---|---|---|---|---|
| Custody | Self-custodial | Centralized | Centralized | Centralized |
| On-Chain Settlement | Yes | No | No | No |
| Requires Deposit | No | Yes | Yes | Yes |
| Counterparty Risk | Stablecoin issuer only | Exchange holds funds | Exchange holds funds | Bank or e-money institution holds funds |
| Payment Network | Visa | Visa | Visa | Visa/Mastercard |
| Availability | EEA, UK and others (see help center) | Varies by region | Varies by region | Varies by region |
| Cashback/Rewards | Cashback tiers based on GNO held | Tiers based on CRO staked | Varies by region | Varies by plan |
Security
Gnosis Pay builds on Safe, a widely used smart account standard, and adds modules specific to card payments.
Self-Custodial Wallet
Your Gnosis Pay Safe is a smart account whose owner keys you control. Because the account lives on-chain, your ability to move funds does not depend on Gnosis Pay's servers, although the card itself does.
Delay Module
A delay module (based on the Zodiac Delay Modifier, see Sources) holds transfers to non-whitelisted addresses for a set period. During that window you can cancel a transfer you did not intend.
Account Recovery
Safe accounts support multiple owners and recovery modules. Which options Gnosis Pay enables for your account is described in its documentation; losing your keys without a recovery setup means losing access.
Frequently Asked Questions
What is Gnosis Pay?
Which countries support Gnosis Pay?
What currencies can I spend with the Gnosis Pay card?
Is Gnosis Pay safe to use?
How does Gnosis Pay compare to Crypto.com or Binance cards?
Sources and further reading
The figures and claims on this page rest on the documents below. Time-sensitive figures (rates, yields, fees, market data) move: check the live value at the source before acting on it.
- Gnosis Pay documentationdocs.gnosispay.com
How the card works, the Safe account model, self-custody and the "80+ million Visa merchants" figure.
- Gnosis Pay help centerhelp.gnosispay.com
Supported countries, supported tokens, card fees, limits and cashback: the live values referenced on this page.
- Gnosis Chain documentationdocs.gnosischain.com
Gnosis Chain, xDAI as the gas token and transaction costs.
- Zodiac Delay Modifier (GitHub)github.com
The Safe module that enforces a time delay during which a transaction can be cancelled.
- CoinGecko, Gnosis (GNO)coingecko.com
Live market data for GNO, the token used in the Gnosis Pay cashback programme.
Last reviewed: September 2026. External links open in a new tab; Coinstancy is not responsible for their content.
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