Gnosis Pay

Gnosis Pay is a white-label stablecoin card-issuance platform that lets wallets, neobanks, exchanges and payment processors launch their own branded Visa debit card programs in days instead of months. Built on the battle-tested Safe smart-account protocol, Gnosis Pay keeps users fully self-custodial — funds stay under their control until the moment of authorization, while partners get a single RESTful API that handles card issuance, multi-currency accounts, KYC/AML, FX, settlement and reconciliation.

The platform is Card Type both: virtual cards deploy in minutes via three API calls (signup → account → order/create), while physical cards ship in days. Cards are issued by Monavate Limited (FCA-registered EMI, FRN 901097) under a Visa Europe licence, giving partners access to 80M+ Visa merchants worldwide with T+1 settlement.

Gnosis Pay is self-custodial by design: every account is a Safe Smart Account on Ethereum, Polygon or Gnosis Chain, so users never surrender custody of their assets. The integrated Authorization Engine approves transactions in real time, while an on-chain currency conversion module taps DeFi liquidity for the best FX rates. KYC/AML is handled end-to-end through a Sumsub integration, and the stack is MiCA-compliant and PSD2-ready.

To date the network has processed $146.4M+ in volume, 2.7M+ transactions, deployed 58.3K+ accounts and onboarded 114K+ merchants that accept crypto. Real-world spending is available through partner apps — wallets, neobanks and exchanges — that wrap Gnosis Pay's infrastructure under their own brand.

Beyond card issuance, Gnosis Pay exposes a unified Global Ramps layer: one integration unlocks USD, EUR (IBAN), GBP, BRL (Pix) and ARS corridors with a shared KYC, so partners add payment corridors without stitching together more vendors. The Local Integrations module covers on/off-ramps between fiat and stablecoins at 1:1 rates, with one identity flow across all corridors.

Gnosis Pay Co Ltd is a UK-registered company (No. 14919639) and operates as the trading name for the broader Gnosis ecosystem. The card is positioned as the infrastructure layer for crypto-to-everyday-finance products rather than a consumer retail card you sign up for directly.

Core architecture

• Self-custodial via Safe — every user account is a Safe Smart Account on Ethereum, Polygon or Gnosis Chain; users retain control of their funds at all times.
• Multi-currency native — stablecoin balances and fiat accounts live side-by-side inside one integration.
• Visa network access — cards spend anywhere Visa is accepted (80M+ merchants worldwide), with Apple Pay and Google Pay support.
• Programmable spending — partners can set per-user spending limits, allowances and policies through the API.
• Real-time Authorization Engine — transactions are approved on-chain at the moment of the swipe.
• DeFi-powered currency conversion — FX routes through on-chain liquidity for competitive rates.
• T+1 settlement on the Visa network with automated reconciliation reporting.

Compliance & risk

• KYC / AML integrated through Sumsub.
• MiCA compliant, PSD2 ready — EU regulatory alignment built in.
• Real-time fraud detection and risk-management module.
• Automated compliance reports generated out of the box.

Global ramps

• USD, EUR (IBAN), GBP, BRL (Pix) and ARS corridors exposed through one API.
• Shared KYC — verify once, use across every corridor.
• Fiat ↔ stablecoin on/off-ramps at 1:1 rates.
• Direct relationships: partners control commercials and communications with underlying providers.

Developer experience

• 3 API calls to issue a card — POST /api/v1/auth/signup → POST /api/v1/account → POST /api/v1/order/create.
• RESTful endpoints for user creation, Safe deployment, KYC URL retrieval, card ordering, balance and transaction history.
• Full API docs at docs.gnosispay.com.

Gnosis Pay is a stablecoin-first platform. Native support is for major stablecoins that move 1:1 with the underlying fiat rails:

• USDC — primary USD-pegged settlement asset.
• EURC — euro-pegged stablecoin for SEPA / EUR spending.
• USDT — supported on partner chains.
• DAI — multi-chain decentralized stablecoin.

Stablecoin balances and fiat accounts share one ledger, so on-chain stablecoin holdings convert automatically to fiat at the point of sale via the DeFi-powered currency conversion engine. Non-stablecoin crypto can be supported by partners that wrap Gnosis Pay with their own swap layer.

Chains supported

• Ethereum
• Polygon
• Gnosis Chain

Gnosis Pay is sold as white-label infrastructure, so consumer-facing fees (issuance, monthly, FX markup, ATM) are set by each partner program — there is no single retail price list. The platform's pricing model has two commercial tiers:

• Startup — for early-stage wallets and fintech teams launching a custom-branded card program in selected markets. Custom pricing, minimal integration costs, dedicated support, agreements starting from 2 years. Partners earn from transactions and optional fees (e.g. FX).
• Enterprise — for high-volume wallets, neobanks or processors needing global scale and tailored infrastructure. Custom pricing, dedicated BIN & premium card options, custom features and integrations, advanced fee models, 3-year agreement.

Currency conversion is DeFi-powered, so FX rates route through on-chain liquidity — typically cheaper than custodial card issuuers — though the exact markup a cardholder sees is determined by the partner that issues the card.