Gnosis Pay uses a hybrid model that combines decentralised Web3 wallet control with global Visa card functionality, allowing users to spend crypto securely and instantly — without losing custody of their funds.
Most crypto cards require users to deposit assets into a custodial account before they can be spent. Gnosis Pay offers a more decentralised solution.
Our hybrid model connects your self-custodial Gnosis Safe wallet directly to the Visa network. You retain full control of your funds while gaining access to the speed and convenience of traditional debit card payments.
This article explains how the hybrid model works and why it sets Gnosis Pay apart from other crypto cards
Comparing the Gnosis Pay Advantage
Gnosis Pay bridges decentralised self-custody with the global infrastructure of traditional payment systems:
Web3 Benefits |
Traditional Payment Benefits |
|
You retain full custody of your funds
Payments are processed through transparent on-chain transactions
Built on open, decentralised infrastructure
Your wallet is connected directly — no middlemen, no pooled funds |
Accepted at millions of locations globally via Visa
Works instantly with tap, swipe, or online checkout
Delivers a familiar debit card experience
No need to manually convert crypto before spending |
Key Advantages of the Gnosis Pay Model
No Preloading Required
Spend stablecoins directly from your Gnosis Pay Safe wallet — no need to move funds in advance.
Self-Custody Maintained
You remain in control of your digital assets at all times. Gnosis Pay never holds or stores your funds.
Seamless Real-Time Payments
Use your card worldwide with full Visa compatibility and instant transactions.
Enhanced Security and Privacy
By avoiding custodial systems and centralised points of failure, your funds and data are safer.
Why This Model Matters
With Gnosis Pay, you no longer have to choose between decentralisation and usability. Our hybrid design brings together the best of both: the autonomy and security of Web3 with the universal convenience of Visa payments.
It’s a new standard for spending crypto — designed for everyday use, without compromising your control.
Need Help?
For details on wallet setup, supported stablecoins, or card ordering, explore our Getting Started section or contact our support using the chat widget or via help@gnosispay.com.