Gnosis Pay
Gnosis Pay provides API-first white-label infrastructure that lets wallets, neobanks, crypto exchanges, and payment processors launch self-custodial stablecoin Visa debit card programs via simple APIs. It serves digital asset platforms globally, with flagship distribution through Opera's MiniPay wallet.
- Company typePrivate
- Founded2022
- HeadquartersGbagi, Nigeria
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Gnosis Pay does
Gnosis Pay (Gnosis Pay Co Ltd, UK company no. 14919639) is a B2B white-label infrastructure provider that enables wallets, neobanks, crypto exchanges, and payment processors to launch stablecoin-denominated Visa debit card programs via RESTful APIs. Its core product, the Gnosis Pay platform, abstracts card issuance (virtual cards in three API calls, physical cards in days), KYC/AML via Sumsub, multi-currency accounts (EURe, GBPe, USDCe), and local fiat rails (SEPA/IBANs in the EU, Pix in Brazil, US account numbers) into a single integration. The platform targets Enterprise customers through multi-year contracts (2-year Startup tier for up to three markets, 3-year Enterprise tier with dedicated BINs and global scale) and earns revenue through white-label infrastructure fees, transaction interchange shared with partners, optional FX markups, and physical card issuance fees.
The technology stack is anchored on the Safe Protocol, with a proprietary multi-module architecture comprising a Core Safe Account, a 3-minute Delay Module for transaction review, a Roles Module for programmable spending limits and allowances, and a Bouncer Module for access validation. Gnosis Pay supports Ethereum, Polygon, and Gnosis Chain and offers an Account Kit TypeScript/JavaScript SDK, a Partner Secure Elements (PSE) SDK for securely displaying card data, and Ed25519-signed webhooks for real-time event delivery. The card itself is issued under a Visa Europe licence by Monavate Limited (an FCA-authorised Electronic Money Institution, FRN: 901097), giving Gnosis Pay a regulated banking rail and MiCA/PSD2/GDPR posture for EU operations.
Commercially, Gnosis Pay operates an API-first go-to-market supplemented by a partner-led distribution model. Its flagship deployment is the MiniPay Card (launched June 2026 with Opera's MiniPay), which extends the infrastructure to 16M+ activated wallets across 65+ countries; additional partners include Gnosis App, Rebind, Picnic, Greencart, Zeal Wallet, and planB. The company has processed $100M+ in volume across 1.6M+ transactions and 50K+ accounts, with cards accepted at 80M+ (and per a second source, 175M+) Visa merchants worldwide. Revenue is not publicly disclosed; cumulative volume and multi-year contracts suggest a pre-scale but growing interchange-plus-subscription business model.
Gnosis Pay firmographics
Firmographics- Name
- Gnosis Pay
- Legal name
- Gnosis Pay Co Ltd
- Website
- https://gnosispay.com
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Gnosis Pay provides API-first white-label infrastructure that lets wallets, neobanks, crypto exchanges, and payment processors launch self-custodial stablecoin Visa debit card programs via simple APIs. It serves digital asset platforms globally, with flagship distribution through Opera's MiniPay wallet.
- Ownership category
- akta.pro rank
Gnosis Pay industry classification
Industry- Product category
- Payment Infrastructure / Card Issuing Platform
- NAICS
- Credit Card Issuing (522210)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Card Issuing Platforms (Issuer Processing) (FSAGABAD)
- akta.pro secondary industries
- Cards & Issuing Management (Debit/Prepaid/Credit, Program Management) (FSAGAAAE), Embedded Card Issuing & Card-as-a-Service (FSAGALAC), Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG), Card Issuing & Program Management Platforms (BPAMAFAH)
Keywords
Where Gnosis Pay is headquartered
LocationHeadquarters
- HQ city
- Gbagi
- HQ country
- Nigeria
- HQ region
- Africa
Offices1 record
Markets served
Gnosis Pay business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales, Supply Chain
Revenue model
- Transaction Interchange Revenue: Partners earn interchange revenue from card transactions and optional fees such as FX markups. The platform enables partners to monetize transaction flows through their branded card programs.
- White-Label Infrastructure Fees: B2B fees for white-label card issuing infrastructure, fiat rails, and multi-currency accounts via API. Pricing tiers include Startup (custom pricing, up to 3 markets) and Enterprise (launch in more than 3 markets, dedicated BIN, custom features).
- Physical Card Issuance Fees: Physical card orders incur fees (with promotional codes like GPDOCS offering free cards). Virtual cards are free and activated immediately.
- Cashback Program Economics: Up to 5% cashback on eligible transactions based on GNO token holdings in user wallets. OG NFT holders receive additional +1% bonus. Cashback funded through interchange economics.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | Startup tier for early-stage wallets and fintech teams launching custom-branded card programs in selected markets |
| Subscription | Multi-year contract | Enterprise tier for high-volume wallets, neobanks, or processors needing global scale |
| Freemium | Pay-as-you-go | Virtual cards - free and immediately activated |
| Transaction based/ take rate | Pay-as-you-go | Cashback rewards based on GNO holdings |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
Gnosis Pay product offering
Product offeringCore offering
Gnosis Pay provides white-label API infrastructure for instant Visa debit card issuance, fiat banking rails, and multi-currency accounts combining stablecoins (EURe, GBPe, USDCe) with fiat (EUR IBANs, BRL via Pix, US account numbers). The platform enables wallets, neobanks, crypto exchanges, and payment processors to launch branded self-custodial card programs in minutes via RESTful APIs. Card issuance is operated under a Visa Europe license through FCA-regulated partner Monavate Limited, with KYC/AML via Sumsub and MiCA/PSD2 compliance.
Product overview
Gnosis Pay is a Web3 finance infrastructure platform offering white-label card issuing, fiat rails, and multi-currency accounts via APIs. The core product portfolio consists of the Gnosis Pay platform (white-label infrastructure), Gnosis Card (stablecoin-based Visa debit card), and Safe Smart Accounts (self-custodial wallets). Supporting modules include the Account Kit SDK for TypeScript/JavaScript developers, the Partner Secure Elements SDK for secure card data display, and Webhooks for real-time event notifications. The platform also offers Startup and Enterprise tiers differentiated by market reach and feature customization.
Differentiator
Problem solved
Functional benefit
Products and services
- Gnosis Pay White-label API infrastructure platform for instant Visa debit card issuance, fiat rails, and multi-currency accounts, enabling stablecoin-based payment programs for wallets, neobanks, crypto exchanges, and payment processors.
- Gnosis Card The first stablecoin-based Visa debit card enabling users to spend digital assets at 80M+ merchants worldwide using the Gnosis Pay network, with self-custodial Safe account control and cashback rewards up to 5% for GNO token holders.
- Safe Smart Accounts
Quantifiable outcome
- Process $100M+ volume across 1.6M+ transactions with 50K+ accounts deployed
- +2 more outcomes
Companies that use Gnosis Pay
Customer profileNamed customers1 record
Segments5 records
Ideal customer profiles4 records
Gnosis Pay technology and API
TechnologyAPI detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
Feature9 records
Gnosis Pay partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core.
- VisacoreVisa-branded debit card issuance through Gnosis Pay infrastructure. Cards accepted at 80M+ Visa merchants worldwide. Partnership enables stablecoin spending at point of sale with local currency settlement to merchants.
- MonavatecoreFCA-regulated Electronic Money Institution (FRN: 901097) that issues the Gnosis Pay Debit Card under VISA Europe Limited license. Handles regulatory compliance and card issuance.
- Safe ProtocolcoreGnosis Pay is built on the Safe protocol, using battle-tested smart contract wallets as the foundation for self-custodial payment accounts with programmable spending controls.
- SumsubcoreIntegrated KYC/AML verification provider enabling user identity verification and compliance checks for card issuance and account activation.
- MoneriumcoreIBAN integration for EU users, enabling SEPA-compliant fiat accounts linked to Gnosis Pay cards. Part of on/off ramp infrastructure.
- MiniPay (Opera)coreMiniPay uses Gnosis Pay infrastructure for Visa debit card issuance. Opera's non-custodial stablecoin wallet with 16M+ activated wallets across 65+ countries. Gnosis Pay technically operates the card.
Scale indicators9 records
Recent moves5 records
Expansion highlights6 records
Gnosis Pay competitors and assessment
Company assessmentEmerging players
- Paycryptium: Paycryptium is an emerging crypto card issuing and payment platform targeting European and LATAM markets, partially overlapping with Gnosis Pay's white-label crypto card infrastructure offering.
Broad incumbents
- Crypto.com: Crypto.com is a large crypto exchange and card issuer (Visa) with cashback rewards and global merchant acceptance - an incumbent that competes for the same user base of crypto-native cardholders but at much greater scale.
- Stripe Issuing: Stripe Issuing provides API-driven card issuance to platforms and fintechs, competing with Gnosis Pay's white-label model but without stablecoin or self-custodial wallet integration.
- Marqeta: Marqeta is a public card-issuing processor offering API-based card issuance to fintechs and neobanks - a much larger incumbent competing in the same white-label card infrastructure category as Gnosis Pay.
Others
- Monavate: Monavate is the FCA-regulated E-money Institution that actually issues the Gnosis Pay card under Visa license - a critical infrastructure/regulatory partner rather than a direct competitor.
- Safe (formerly Gnosis Safe): Safe Protocol is the smart contract wallet infrastructure on which Gnosis Pay is built - a core technology supplier and ecosystem partner that defines the platform's underlying self-custody architecture.
Direct peers
- Baanx: Baanx provides crypto-friendly debit cards and BaaS infrastructure for Web3 wallets, including Ledger Live-integrated cards - a near-direct competitor in the white-label crypto card infrastructure space.
- BitPay: BitPay offers a crypto payments platform with a prepaid Mastercard and merchant processing, competing in crypto-to-fiat conversion and merchant settlement with stablecoin support.
- Alchemy Pay: Alchemy Pay operates a crypto-to-fiat payment network with Visa/Mastercard card issuance and on/off-ramps, overlapping with Gnosis Pay's stablecoin-to-fiat spending and multi-currency coverage.
- Wirex: Wirex issues crypto-backed Visa/Mastercard debit cards with multi-currency wallets and fiat rails - directly competing with Gnosis Pay's white-label card program and self-custody positioning.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Gnosis Pay social profiles
Digital presenceGnosis Pay compliance and trust
Trust signalCompliance4 records
Gnosis Pay financial estimates
Financial estimateRevenue estimate
Valuation estimate
Gnosis Pay leadership team
Management profileNumber of profiles
Profiles2 records
Gnosis Pay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Gnosis Pay M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Gnosis Pay
What does Gnosis Pay do?
Gnosis Pay provides white-label API infrastructure for instant Visa debit card issuance, fiat banking rails, and multi-currency accounts combining stablecoins (EURe, GBPe, USDCe) with fiat (EUR IBANs, BRL via Pix, US account numbers). The platform enables wallets, neobanks, crypto exchanges, and payment processors to launch branded self-custodial card programs in minutes via RESTful APIs. Card issuance is operated under a Visa Europe license through FCA-regulated partner Monavate Limited, with KYC/AML via Sumsub and MiCA/PSD2 compliance.
Is Gnosis Pay a public or private company?
Gnosis Pay is a private company. It is classified as unknown and is currently operating.
When was Gnosis Pay founded?
Gnosis Pay was founded in 2022. It employs 11 to 50 people.
Where is Gnosis Pay based?
Gnosis Pay is headquartered in Gbagi, Nigeria, in the Africa region.
How does Gnosis Pay make money?
Four revenue lines are on record. Transaction Interchange Revenue is the primary driver. The others are white-Label Infrastructure Fees, physical Card Issuance Fees and cashback Program Economics.
Who are Gnosis Pay's main competitors?
Paycryptium is listed as an emerging player. Broad incumbents are Crypto.com, Stripe Issuing and Marqeta. Others are Monavate and Safe (formerly Gnosis Safe). Direct peers are Baanx, BitPay, Alchemy Pay and Wirex.
Does Gnosis Pay have an API?
Yes. Gnosis Pay offers a RESTful API enabling card issuance, management, and transaction processing. The API supports Sign-In with Ethereum (SIWE) authentication, EIP-712 typed data signing, webhook notifications for real-time events, and endpoints for user management, card operations, Safe account management, KYC, IBAN integration, and transaction handling. Available via https://api.gnosispay.com with documentation at https://docs.gnosispay.com/ Developer documentation is at docs.gnosispay.com.
What industry is Gnosis Pay in?
Gnosis Pay's product category is Payment Infrastructure / Card Issuing Platform. Its primary akta.pro industry code is FSAGABAD, Card Issuing Platforms (Issuer Processing), with a secondary code of FSAGAAAE, Cards & Issuing Management (Debit/Prepaid/Credit, Program Management). Its NAICS code is 522210 and its SIC code is 6199.