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7.1/10
Crypto Cards

Gnosis Pay

Solidranked 2 of 4 in crypto cards◆ Sources checked · 27 Sept 2026

A Visa debit card that spends from a self-custodial Safe on Gnosis Chain rather than an issuer-held balance. The consumer card and web app close on 20 December 2026 as Gnosis Pay moves to B2B; partner apps such as Rebind, Picnic and MiniPay take over the cards. A June 2026 exploit of its Safe modules took about $1.5M, which Gnosis says it covered.

Best for: Self-custodial card spending, through a partner app after 20 Dec 2026

Company file: Gnosis Pay, owners, incidents →

How this score was reached

7.1 is the weighted average of the five pillar findings below. Dependable, with trade-offs a reader should know about first.

Custody & Security25%
7.6

Spends from a self-custodial Safe, so there is no issuer float to freeze or lose in an insolvency, and funds stay withdrawable with no deadline after the shutdown. But on 1 Jun 2026 a flaw in the Zodiac modules governing those Safes let attackers take about $1.5M across 5,281 wallets; Gnosis says it restored all balances by the following week, with no independent tally.

Cost & Fee Transparency25%
7.4

Transparent fee schedule with a modest FX markup. GNO cashback ends for purchases after 30 Sep 2026, with a final distribution on 7 Oct 2026.

Regulation & Legal Standing20%
8.2

Issued by Monavate Limited, an FCA-authorised EMI (FRN 901097), under a Visa Europe licence, with clear disclosure of who holds what.

Performance & Reliability15%
6.6

Reliable settlement until 1 Jun 2026, when card services were taken offline the morning of the exploit and about $300K was temporarily inaccessible. The consumer card ends on 20 Dec 2026.

Access & Support15%
4.8

The consumer card and web app close on 20 Dec 2026 (notice sent 21 Sep 2026). Users must move to partner apps: Rebind for euro cards, Picnic for dollar cards in Brazil, MiniPay elsewhere; a sterling option was still being worked on.

Strengths

  • Spends from an account you control — no issuer float to freeze or lose
  • Funds stay in your Safe and withdrawable after the card closes
  • FCA-authorised issuer (Monavate) with clear disclosure

Against it

  • Consumer card and web app close on 20 Dec 2026
  • June 2026 module exploit (~$1.5M); repaid by Gnosis, per its own post-mortem
  • GNO cashback ends for purchases after 30 Sep 2026

The right design, and the consumer card is closing

Every other card here asks you to hold a balance with an issuer. Gnosis Pay spends from a self-custodial Safe on Gnosis Chain, so there is no company float to freeze or lose in an insolvency. That design is why it still matters.

For consumers, the product is ending. On 21 Sep 2026 Gnosis Pay gave notice that its own card and web app close on 20 Dec 2026 as it becomes a card-programme provider; Rebind (euro), Picnic (dollar, Brazil) and MiniPay (dollar, elsewhere) take over the cards, and funds stay withdrawable with no deadline. The record also shows the other side of self-custody: on 1 Jun 2026 a flaw in the Safe modules let attackers take about $1.5M from 5,281 wallets, and users were made whole only because Gnosis chose to pay.

Frequently asked questions

Is Gnosis Pay shutting down?+

Its consumer card and web app close on 20 Dec 2026. Your Safe, GNO and the Monerium euro IBAN stay yours; partner apps such as Rebind, Picnic and MiniPay take over the card. For sterling cardholders, Gnosis Pay said it was still working on an option.

What happened in the June 2026 exploit?+

Attackers abused an ERC-1271 signature-validation flaw in the Zodiac modules governing Gnosis Pay Safes, extracting about $1.5M and leaving about $300K temporarily inaccessible across 5,281 wallets. Gnosis’s post-mortem says it absorbed the loss and restored all balances within a week; we found no independent tally.

Does Gnosis Pay pay cashback?+

It paid GNO cashback, which ends for purchases after 30 Sep 2026, with a final distribution on 7 Oct 2026.

Assessed by

Olivia Bennett

By Olivia Bennett

Blockchain Security Researcher · September 27, 2026

◆ Disclosure

CoinRadar Daily is a non-commercial project. We have no commercial relationship with Gnosis Pay, earn nothing from any link on this page, and carry no advertising or sponsorship anywhere on the site. Findings rest on public sources; we did not open an account or transact.

Rubric v2.0How we score →

The rest of the crypto cards table

  1. 01Crypto.com Visa CardCashback, if you price the Level Up tier you need7.1
  2. 02Gnosis Pay — you are hereSelf-custodial card spending, through a partner app after 20 Dec 20267.1
  3. 03Nexo CardSpending against collateral without selling the underlying6.8
  4. 04WirexMulti-currency spending with cashback in USD, not in a token6.3
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