gnosispay.com

What It Is

Gnosis Pay is a decentralized payments network designed to remove the barriers between traditional finance and DeFi. It provides end-to-end white-label infrastructure for Web3 finance, with a focus on stablecoin card issuance, fiat rails, and multi-currency account services—helping crypto projects quickly turn stablecoins into real-world spending power.

Key Dimensions

• Service type: Provides white-label Web3 financial infrastructure covering card issuance, fiat on/off-ramps, and account management.
• Supported payment methods: Supports Visa network debit cards, SEPA, Brazil Pix, and Apple/Google Pay, enabling seamless 1:1 conversion between fiat and stablecoins.
• Supported countries/regions: Broad coverage across more than ten countries and regions, including the EEA, the UK, Brazil, Argentina, and Mexico, with localized integrations such as EU IBANs and U.S. account details.
• Rates and fees: The Pilot plan is free, while Startup and Enterprise use custom pricing. Project teams can generate revenue from transaction and foreign exchange (FX) fees.
• Settlement cycle: T+1 settlement via the Visa network.
• Compliance and licensing: Compliant with MiCA and PSD2 requirements. Issuing bank Monavate is authorized by the UK FCA, and Sumsub is integrated for KYC/AML checks.
• Risk control capabilities: Includes real-time transaction approvals, real-time fraud detection, and automated compliance reporting.
• API and integration: Offers a RESTful API; cards can be issued with just 3 API calls. The underlying infrastructure is based on Safe smart contract wallets, supports multiple chains such as Ethereum and Polygon, and enables self-custody plus programmable spending limits.

Pricing

There are three tiers: the Pilot plan has no entry barrier and can go live in 14 days, making it suitable for testing the waters; Startup is aimed at early-stage teams, supports up to 3 markets, and requires a 2-year agreement; Enterprise targets higher-volume clients, supports more than 3 markets and dedicated BINs, and requires a 3-year agreement. The latter two are both custom-priced.

Pros and Cons

Pros: Self-custody helps protect funds; extremely simple API integration (card issuance in 3 steps); strong compliance framework; broad fiat-rail coverage. Cons: Higher-tier plans require long-term commitments (2–3 years); pricing is not transparent; mainland China is not currently supported.

Who It’s For

Web3 wallets that urgently need fiat on/off-ramps and spending scenarios, neobanks looking to expand internationally, crypto exchanges, and payment processors that want to add card-issuing capabilities.

Access from China

Unknown. As global Web3 infrastructure, its official website may be restricted or require a proxy when accessed from mainland China IP addresses, and the service itself does not support the China market.