Gnosis is an Ethereum-focused company founded in 2015 by Martin Köppelmann and Stefan George that originated as a prediction-market protocol incubated within ConsenSys before spinning out independently. The operating entity Gnosis Limited is registered in Gibraltar with a development hub in Berlin, and the company has incubated products including Safe (the multisig smart-contract wallet) and Gnosis Pay.
The Gnosis Pay is a crypto debit card offered by Gnosis, available in EU/UK/LATAM. It offers 1-5% GNO cashback across 4 reward tiers, giving users the ability to earn higher rates as they increase their commitment. The annual fee starts at €30 one-time.
It is a strong fit for privacy-conscious users who want to keep custody of their keys while spending. It runs on the Visa network and requires standard identity verification.
| Tier | Rate | Requirement |
|---|---|---|
| Base | 1% | No GNO stake |
| Shrimp | 2% | 1 GNO staked |
| Dolphin | 3% | 10 GNO staked |
| Whale | 4% | 100 GNO staked |
Note: GIP-131 Intermediary Cashback Programme ACTIVE (approved, runs through June 30, 2026, funded by Gnosis Ltd). Tiers: ≥0.1 GNO 1%, ≥1 GNO 2%, ≥10 GNO 3%, ≥100 GNO 4%, +1% OG NFT bonus (max 5%). Weekly GNO payouts; weekly spend caps tied to GNO holdings, reset 00:00 UTC Sundays. Partner cashback available (Zeal for Europe, PicnicBR for Brazil). Geographic expansion planned: USA, Mexico, Colombia, Australia, Singapore, Thailand, Japan, Indonesia, India. Safe wallet integration. ~1.5% stabilization fee.
Other crypto cards in the same region or category that may suit your spending profile:
The Gnosis Pay is a crypto debit card offered by Gnosis. It is available in EU/UK/LATAM and allows users to spend cryptocurrency at merchants worldwide.
The Gnosis Pay offers 1-5% GNO cashback. There are 4 tiers: Base (1%), Shrimp (2%), Dolphin (3%), Whale (4%).
The Gnosis Pay has an annual fee of €30 one-time. Additional fees: Conversion fee: ~1.5% stabilization fee (EURe direct spend).
The Gnosis Pay is available in EU/UK/LATAM. Its availability status is "EU/UK/LATAM".
The Gnosis Pay is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Gnosis Pay is a non-custodial (self-custody) card. This means you retain control of your private keys and your crypto is not held by a third party. Funds are only converted at the point of sale, reducing counterparty risk compared to custodial alternatives.
Yes, the Gnosis Pay supports Apple Pay and Google Pay for contactless payments.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level.