What is Gnosis Pay and how does the card work?

Gnosis Pay is a crypto payments company that built a self-custodial Visa debit card, letting people spend from their own on-chain wallet at ordinary card terminals. Its own consumer card, often called the Gnosis Card, is being shut down at the end of 2026. The company is turning into a back-end provider that runs card programs for other apps.

How does the Gnosis Pay card work?

Each card was linked to a new Safe smart account deployed on Gnosis Chain. The money stayed in that Safe, which the user controlled, rather than in a company account. When the card was used, the payment drew stablecoins from the Safe and settled to Visa, and the shop received normal money.

Users could not spend volatile crypto directly. They first swapped into a supported stablecoin, such as EURe for European cards or GBPe for UK cards, and could top up from other Ethereum-compatible wallets. Sign-up required identity checks with ID, proof of address and a selfie. The card was issued by Monavate, a regulated e-money firm, with Gnosis Pay acting as program manager. For how this model compares with exchange-run cards, see how do crypto cards work.

Which countries could use the Gnosis Pay card?

The consumer card launched in Europe. Gnosis Pay's notice names two issuing entities: Monavate Ltd in the UK, regulated by the FCA, and UAB Monavate in the European Economic Area, regulated by the Bank of Lithuania. Gnosis Pay's newer infrastructure lists a wider set of regions for partner programs, including the EU, UK, Brazil, Colombia, Mexico, Japan, Singapore and parts of Southeast Asia, as of November 2026. Each partner app sets its own eligible countries.

What happens to Gnosis Pay cards in December 2026?

Gnosis Pay says the card and web app stop working at 23:59 UTC on 20 December 2026. After that:

• The card cannot approve new payments, and subscriptions linked to it will fail.
• The web app stays open for withdrawals only.
• General support ends on 18 June 2027, and support for refunds and disputes ends on 12 June 2028.

Funds in the Safe remain the user's. Gnosis Pay says neither it nor Monavate can take them or block transfers. Users can withdraw through the web app, use their existing signer key, or use a compatible Safe interface. The notice suggests exporting transaction history and noting the card's last four digits for later disputes.

Is Gnosis Pay still a crypto card option?

Not as a direct consumer card. Gnosis Pay says it is ending consumer services to focus on enterprise card programs for wallets, fintechs and neobanks. One example is the MiniPay Card in Opera's stablecoin wallet, launched on 23 June 2026, where Gnosis Pay handles the card layer. Moving to a partner app is optional and means new terms, fresh identity checks and a new Safe.

For cashback and other perks, Gnosis Pay says each partner program sets its own rewards, fees, limits and supported currencies, so check the terms of the app you move to.