Gnosis Pay: the crypto card that spends your stablecoins directly on-chain

Paying with crypto is finally real 💳

Ever since Bitcoin was born, crypto users have dreamed of paying for everyday purchases—coffee, groceries, gas—directly with digital assets. But until now, that dream has mostly been blocked by technical friction, fees, regulations, and the need for traditional banking rails.

In 2025, one innovation is changing everything: Gnosis Pay. This bold project lets you spend your stablecoins directly—like euros—with a Visa-compatible card that operates entirely on-chain. No conversions. No banks. Just your wallet and the blockchain.

 🚀 Coinstancy helps you take control of this new wave of crypto-powered payments: speed, simplicity, and freedom at every swipe.

1. Gnosis Pay: not just a card, but a protocol

Don't be fooled by the plastic. Gnosis Pay is a decentralized payment infrastructure built on Gnosis Chain, a fast and low-cost Ethereum Layer 2. Every user gets a Safe Smart Account — a smart contract wallet fully controlled by the user’s keys.

When you make a payment, the amount is deducted from your on-chain stablecoin balance — instantly. No fiat conversion, no middlemen, no delays. Transactions are transparent, traceable, and auditable on-chain. And most importantly, you stay in control from start to finish.

Gnosis Pay separates the user interface (card and mobile app) from the backend (smart accounts and blockchain), allowing a balance of usability and transparency — something rare and valuable in today’s crypto space.

2. Real-world use cases: crypto that actually works

With Gnosis Pay, crypto becomes a tool — not just an investment. You can use it for:

• Groceries and everyday purchases: Swipe your card, and stablecoins are spent directly from your wallet, no conversions or hidden fees.
• Recurring subscriptions: Automate your payments straight from your on-chain balance.
• Travel and entertainment: With Apple Pay and Google Pay compatibility, your virtual card works globally — no foreign exchange headaches.
• Peer-to-peer payments: Easily send or request funds via QR code, directly between wallets.

It’s all built to feel as natural as using a debit card — but powered entirely by crypto.

3. The OG NFT and the GNO cashback model 👑

Gnosis Pay includes a real incentive system, rewarding users with cashback in GNO, the native token of the ecosystem. The more you use the card, the higher your cashback — up to 5% depending on your level.

But the game-changer is the OG NFT. This NFT, given to early users and referrers, unlocks extra perks:

• +1% permanent cashback bonus
• Early access to new features
• Beta testing privileges and community roles
• Exclusive merchant discounts and partner offers

It’s not just a collectible — it’s a way to reward loyalty, boost usage, and build community ownership. The OG NFT is a long-term incentive to stay active and engaged in the Gnosis Pay ecosystem.

4. Strong and growing adoption 📈

Gnosis Pay has seen real traction since its launch. Over 115,000 active accounts, more than 30,000 merchants, and millions of dollars in processed transactions — with consistent user return and growing adoption.

What started in Spain and Portugal is now expanding across Europe and beyond. Latin America, already known for its strong stablecoin usage, is next. Gnosis Pay is tapping into a global need: crypto payments that actually work.

5. Native crypto, no conversions

Most so-called “crypto cards” aren’t really crypto-native. They convert your coins to euros or dollars using a bank, then process the payment. This creates fees, friction, and bank dependency.

Gnosis Pay changes the rules. You pay directly with stablecoins, and the merchant gets paid in on-chain digital euros. The payment stays within the blockchain world — from your wallet to their system — with no fiat conversions.

That means faster transactions, fewer fees, better privacy, and complete financial sovereignty.

6. Fully compliant with EU regulations ⚖️

Gnosis Pay doesn’t cut corners. It’s built to be compliant with the European crypto regulation framework, especially MiCA. The stablecoins used (like EURe) are issued by fully licensed electronic money institutions.

The card itself is issued in partnership with regulated payment processors, and KYC is handled according to AML standards — but in a way that preserves decentralization and user privacy as much as possible.

This creates a powerful balance: legal certainty without giving up on crypto values. It’s a solution that works for freelancers, entrepreneurs, and everyday users alike.

7. Why EURe makes it all possible 🪙

At the heart of Gnosis Pay is EURe, a euro-backed stablecoin designed to be used natively on-chain. No bridge, no workaround — just direct, verifiable payments in digital euros.

When you swipe your Gnosis Pay card, EURe is sent from your wallet. The merchant receives a euro, on-chain, without going through a bank. This makes transactions faster, cheaper, and easier to track. And because EURe is a regulated digital euro, it meets all accounting and reporting requirements.

This creates a true Web3 payment experience — one that satisfies both the user and the merchant.

8. A win-win model 🧩

Gnosis Pay is a model that works for everyone:

• Users keep control and earn rewards.
• Merchants receive stable, compliant digital euros.
• The protocol grows with every transaction.
• OG NFT holders benefit from long-term perks.

It’s a circular, healthy system that reinforces itself. And it’s powered by real usage — not speculation.

9. A natural fit with Coinstancy 🤝

At Coinstancy, we aim to make decentralized finance practical and accessible. Gnosis Pay is a perfect match.

We’re working toward native integration, so you can:

• View and manage your Gnosis Pay card directly from your Coinstancy dashboard
• Refill your card with your DeFi earnings
• Track your cashback and OG NFT benefits in real time

This makes Coinstancy a one-stop solution for earning, managing, and spending crypto, fully on-chain.

10. What comes next: a truly crypto-powered future 🔮

Gnosis Pay is more than a product. It’s the start of something bigger. In the near future, people will receive salaries in stablecoins, spend them directly, earn DeFi yields, and track everything from their wallet. Banks will still exist, but they won’t be required.

Gnosis Pay is a first real step toward that world. And Coinstancy is here to help guide you into it.

✅ Conclusion

Gnosis Pay isn’t just a crypto card. It’s a complete decentralized payment protocol, backed by a solid infrastructure, real rewards, and a strong vision.

The OG NFT program strengthens user engagement, the GNO cashback system creates daily value, and the EURe stablecoin ensures legal clarity. Most importantly, it works — today — with real users, real merchants, and real volume.

At Coinstancy, we’re excited to bring you tools that make crypto useful, accessible, and secure — and Gnosis Pay is one of the best examples of what this future looks like.