Gnosis Pay

Gnosis Pay is a UK-based Web3 fintech company founded in 2022 that provides white-label stablecoin card infrastructure for businesses. Operating as the world's first Decentralized Payment Network (DPN), Gnosis Pay enables wallets, neobanks, crypto exchanges, and payment processors to launch branded stablecoin Visa debit card programs through a simple API integration.

The company is registered in the UK as Gnosis Pay Co Ltd (Company No. 14919639) and its Gnosis Pay Debit Card is issued by Monavate Limited, authorised and regulated by the Financial Conduct Authority (FCA) as an Electronic Money Institution (FRN: 901097).

Core Products/Services

Gnosis Pay's flagship product is a white-label card issuance platform built on top of Safe smart contract wallets. Partners integrate via RESTful APIs to:

• Issue virtual and physical Visa debit cards backed by stablecoins (USDC, EURC, EURe, GBPe)
• Deploy self-custodial Safe Smart Accounts for end users so they retain control of their funds on-chain
• Access fiat banking rails including EUR IBANs (SEPA Instant), BRL accounts (Pix), GBP support, and US account numbers
• Process on/off-ramp transactions at 1:1 stablecoin-to-fiat rates with DeFi-powered currency conversion
• Embed compliance tooling with integrated KYC/AML (via Sumsub), MiCA-compliant flows, real-time fraud detection, and automated compliance reporting

The platform supports multi-chain operation across Ethereum, Polygon, and Gnosis Chain, and covers 80M+ Visa merchants worldwide. It also supports Apple Pay and Google Pay.

Key Strengths

• Self-custodial by design: Users hold funds in their own Safe Smart Account — funds are not custodied by the partner or Gnosis Pay
• Rapid deployment: Virtual cards can be live in minutes via 3 API calls; physical cards in days
• Global coverage: Markets include EEA, UK, Brazil, Argentina, Mexico, Colombia, Philippines, Thailand, Japan, and Singapore
• DeFi integrations: Partners can offer savings features (e.g. sDAI auto-yield deposits) by connecting to DeFi protocols
• Proven traction: $100M+ volume processed, 1.6M+ transactions, 50K+ accounts deployed, 115K+ merchants accepting crypto
• Flexible pricing tiers: Free (Gnosis-branded), Startup (custom-branded, up to 3 markets), and Enterprise (dedicated BIN, global scale)

Notable Clients/Projects

Gnosis Pay's primary use cases span wallets wanting to add payment cards, neobanks expanding to new markets, crypto exchanges offering spending utility for stablecoins, and payment processors adding card issuance capabilities. The platform is used by businesses integrating crypto payment infrastructure under their own brand.

Why Choose Gnosis Pay

Gnosis Pay bridges DeFi and traditional payments infrastructure, offering businesses a compliant, FCA-regulated card issuing stack with self-custodial smart account architecture. Its permissionless API access allows developers to start building immediately without contracts or approvals, while its partnership tiers unlock branded programs, dedicated BINs, co-marketing, and multi-market expansion.