The Gnosis Pay earns 1-5% GNO cashback on a Visa debit card with a €30 one-time fee, available in EU/UK/LATAM.
Gnosis is an Ethereum-focused company founded in 2015 by Martin Köppelmann and Stefan George that originated as a prediction-market protocol incubated within ConsenSys before spinning out independently. The operating entity Gnosis Limited is registered in Gibraltar with a development hub in Berlin, and the company has incubated products including Safe (the multisig smart-contract wallet) and Gnosis Pay.
The Gnosis Pay is a crypto debit card offered by Gnosis, available in EU/UK/LATAM. It offers 1-5% GNO cashback across 4 reward tiers, giving users the ability to earn higher rates as they increase their commitment. The annual fee starts at €30 one-time.
It is a strong fit for privacy-conscious users who want to keep custody of their keys while spending. It runs on the Visa network and requires standard identity verification.
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On $500/mo spend, the estimated monthly cost breakdown for Gnosis Pay is: gas $0.01, conversion spread $7.50, flat/FX fees $0.00, and amortised card/tier fee $2.50, for a total drag of 2% of spend. After $5.00/mo cashback that is still a net cost of about $5.01/mo ($60.12/yr). Because Gnosis Pay is loaded on-chain, frequent small top-ups add gas cost: a daily-spender profile pays about $0.20/mo in gas versus $0.01/mo for a single monthly load, so total drag runs 2% with daily reloads versus 2% with a monthly reload. Figures are conservative estimates and vary with conditions.
| Tier | Rate | Requirement |
|---|---|---|
| Base | 1% | 0.1 GNO in Gnosis Pay Safe |
| Shrimp | 2% | 1 GNO in Gnosis Pay Safe |
| Dolphin | 3% | 10 GNO in Gnosis Pay Safe |
| Whale | 4% | 100 GNO in Gnosis Pay Safe |
Note: GIP-131 Intermediary Cashback Programme ACTIVE but EXPIRES June 30, 2026 (funded by Gnosis Ltd, no extension announced). Post-June 30 structure TBD — partner-led programmes (Zeal for Europe, PicnicBR for Brazil) expected to replace DAO-funded cashback. Tiers: ≥0.1 GNO 1%, ≥1 GNO 2%, ≥10 GNO 3%, ≥100 GNO 4%, +1% OG NFT bonus (max 5%). Weekly GNO payouts; weekly spend caps tied to GNO holdings, reset 00:00 UTC Sundays. Geographic expansion planned: USA, Mexico, Colombia, Australia, Singapore, Thailand, Japan, Indonesia, India. Safe wallet integration. ~1.5% stabilization fee.
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The Gnosis Pay is a crypto debit card offered by Gnosis. It is available in EU/UK/LATAM and allows users to spend cryptocurrency at merchants worldwide.
The Gnosis Pay offers 1-5% GNO cashback. There are 4 tiers: Base (1%), Shrimp (2%), Dolphin (3%), Whale (4%).
The Gnosis Pay has an annual fee of €30 one-time. Additional fees: Conversion fee: ~1.5% stabilization fee (EURe direct spend).
The Gnosis Pay is available in EU/UK/LATAM. Its availability status is "EU/UK/LATAM".
The Gnosis Pay is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Gnosis Pay is a non-custodial (self-custody) card. This means you retain control of your private keys and your crypto is not held by a third party. Funds are only converted at the point of sale, reducing counterparty risk compared to custodial alternatives.
Yes, the Gnosis Pay supports Apple Pay and Google Pay for contactless payments.
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