Gnosis Pay

• Name: Gnosis Pay
• URL: https://gnosispay.com/
• Category: stablecoin card-and-wallet control plane / self-custodial spending infrastructure / smart-account payments network
• Tags: ethereum-ecosystem
• Summary: Gnosis Pay is a serious self-custodial card-and-wallet control plane. The substance is not the Visa card. It is the Safe-based account stack, delegated spend controls, SIWE sessioning, KYC flow, fiat rails, and partner APIs that let wallets and fintechs keep user funds onchain while still using card and banking interfaces.
• What it does:
  • Lets partners onboard users with SIWE authentication, email registration, terms acceptance, KYC, source-of-funds questionnaires, phone verification, and Safe deployment before card issuance
  • Creates a Safe smart account for each user on Gnosis Chain and uses Zodiac-based Roles and Delay modules to enforce spending limits and transaction controls while preserving user ownership
  • Issues virtual and physical Visa cards through API flows so stablecoin balances can be spent at traditional merchants
  • Exposes account-management endpoints for balances, daily spending limits, withdrawals, authenticated-wallet linking, card lifecycle events, and cashback configuration
  • Supports local fiat connectivity and ramp flows through integrated partners such as Monerium for EUR/IBAN, Noah for USD, and Avenia for BRL, with KYC-sharing support
  • Publishes an OpenAPI-documented HTTP JSON API plus open-source integration assets including a UI starter and the @gnosispay/account-kit SDK for onchain account creation, setup, spending, limit updates, and integrity checks
• Key claims:
  • The homepage markets Gnosis Pay as white-label infrastructure for stablecoin card programs, fiat rails, and multi-currency accounts, and says users control funds via Safe smart accounts while cards can be launched with a small API surface
  • The docs introduction says the product enables seamless card issuance and management for developers and businesses, and frames Gnosis Card as a stablecoin-based Visa debit card accepted at 80+ million merchants
  • The account architecture docs say a new Gnosis Pay Safe smart-contract wallet is created on-chain for each user, that funds are never held by Gnosis Pay or third parties, and that modules enforce spending rules while owners retain control
  • The same account docs say authenticated wallets are used for SIWE login and API sessions, while Roles and Delay modules govern delegated spending and a three-minute queue for non-card actions
  • The onboarding guide shows a full partner workflow spanning signup, terms acceptance, Sumsub KYC, source-of-funds questions, OTP phone verification, Safe deployment, safe-configuration checks, and then card ordering
  • The onboarding docs say the user’s configured spending currency is assigned by country, with examples including GBPe for UK users, USDCe for Brazil users, and EURe by default elsewhere
  • The API intro says Gnosis Pay exposes an HTTP JSON API with an OpenAPI spec and JWT auth obtained through Sign-In with Ethereum
  • The on/off-ramp docs describe EUR-to-EURe via Monerium, USD-to-USDCe via Noah, and BRL-to-BRLA via Avenia, with mandatory Sumsub-based KYC sharing and direct provider relationships for partners
  • The public GitHub org and account-kit README show open-source integration surfaces for UI bootstrapping and relay-ready account actions such as account creation, Safe setup, queued execution, allowance changes, delegated spend flows, and integrity queries
• Whitepaper: No canonical standalone Gnosis Pay whitepaper or litepaper surfaced in this pass. The clearest current sources of truth were the official site, docs corpus, OpenAPI/API intro, account and onboarding docs, on/off-ramp documentation, public GitHub org, and the @gnosispay/account-kit README; see ../whitepapers/gnosis-pay-primary-sources-2026-05-02.md.
• Sources:
  • https://gnosispay.com/
  • https://docs.gnosispay.com/
  • https://docs.gnosispay.com/llms.txt
  • https://docs.gnosispay.com/account
  • https://docs.gnosispay.com/onboarding-flow
  • https://docs.gnosispay.com/api-reference/intro
  • https://docs.gnosispay.com/on-off-ramps/index
  • https://github.com/gnosispay
  • https://raw.githubusercontent.com/gnosispay/account-kit/main/README.md
  • https://raw.githubusercontent.com/gnosispay/ui/main/README.md

Internal linkages

• Core account substrate: safe.
• Best payment-stack contrast: openpayd.
• Best fiat-rail comparison from the current partner stack: monerium.

Control surface

• Practical authority sits in onboarding approval, Safe deployment, delegated spend modules, spending-limit policy, issuer and card-program configuration, and how fiat ramps and local-currency paths get attached to the account stack.

• The analytical point is not self-custodial card as branding. It is that Gnosis Pay keeps a meaningful part of the account substrate visible onchain while still running a thick operator layer around compliance, issuance, session auth, and fiat access.

• That makes it a stronger anchor than generic crypto-card middleware notes.

• Last reviewed: 2026-05-31 UTC