Gnosis Pay
The first onchain bank account: a Visa card wired directly to a Safe smart account on Gnosis Chain.
Card wired to your own Safe on Gnosis Chain.
- Who holds it
- You do. Funds sit on-chain in a wallet the company cannot freeze.
- The ledger
- The blockchain — no company keeps the authoritative record.
- If it fails
- Nothing on the company side to fail; but lose your keys and the money is gone for good.
Derived from Gnosis Pay’s regulation type and custody — a class of protection, not a guarantee. Limits and eligibility vary by scheme, balance and jurisdiction; confirm before you rely on it. What happens if a neobank shuts down →
The facts
| Category | web3-native |
| HQ | Zug, CH |
| Founded | 2023 |
| Custody | Self-custodial |
| Regulation type | E-money institution |
| License detail | E-money via Monavate (UK/EU); funds in your own Safe |
| Card | Visa · Virtual + physical |
| Cashback | Up to 4% (GNO) |
| Yield | DeFi via Safe |
| Stablecoins | Yes |
| KYC | Card only |
| Active regions | Europe |
| Countries | United Kingdom, European Union, Brazil |
| Founders | Stefan George, Martin Köppelmann |
| Funding | ~$12.5M raised |
| Services | crypto on-ramp · fiat pay-in (bank rails) · own IBAN / account no. · crypto-settled card |
Verified links: official site ↗ · @gnosispay ↗
Common questions about Gnosis Pay
What is Gnosis Pay?
Gnosis Pay is a self-custodial, on-chain-first neobank, headquartered in Zug, CH and founded in 2023. You hold the keys: Gnosis Pay never takes custody of your funds. It is regulated as an e-money institution (E-money via Monavate (UK/EU); funds in your own Safe).
Does Gnosis Pay have a card, and where can you use it?
It issues a Visa virtual and physical card, and identity checks apply to the card but not to the wallet. It is available in 3 countries, across Europe.
Does Gnosis Pay require KYC?
Partly. You can use Gnosis Pay itself without verifying your identity, but ordering its card requires KYC.
What does Gnosis Pay cost?
From the verified fields: cashback Up to 4% (GNO); yield DeFi via Safe. Cashback and yield are "up to" figures that change constantly and often depend on a paid plan — confirm current terms with Gnosis Pay before relying on them.
Head-to-head
Gnosis Pay vs EtherFi Cash · Gnosis Pay vs Payy · Gnosis Pay vs 1inch Card
Peers
Phantom · Zengo · MetaMask · Solflare · Rainbow · Xverse
Gnosis Pay appears in
Neobanks authorised as e-money institutions (48) · Neobanks where only the card requires ID (33) · Neobanks available in Europe (144) · Neobanks that issue a Visa card (182) · Neobanks in Switzerland (11)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.