Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Brighty: overall score versus use-case fit
Gnosis Pay has the higher Overall Score by 7 points (77 vs 70). Gnosis Pay looks stronger for Travel, Funds control, and Lowest fees, while Brighty Card comes out ahead for Cashback and Transfers.
Information checked Aug 16, 202642 official sources reviewed
01 · Overall score versus use-case fit
Gnosis Pay is the better all-round starting point
Gnosis Pay has the higher Overall Score in this comparison. Brighty Card may be the better fit for Cashback and Transfers. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallGnosis Pay77Brighty70Higher score
CashbackGnosis Pay22Brighty48Higher score
TravelGnosis Pay100Brighty80Higher score
Funds controlGnosis Pay89Brighty65Higher score
Lowest feesGnosis Pay87Brighty68Higher score
TransfersGnosis Pay91Brighty93Higher score
Choose Gnosis Pay if travel and funds control matter most
Gnosis Pay comes out ahead for Travel, Funds control, and Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Spend stablecoins from a dedicated Safe
- SEPA IBAN funding fits euro users
- Visa card with wallet support
Choose Brighty Card if cashback and transfers matter most
Brighty Card comes out ahead for Cashback and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Free entry plan
- USDC cashback
- Multiple account rails
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Gnosis Pay77Brighty70
Gnosis Pay has the higher Overall Score by 7 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXBrighty$0 plan · Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources FX
Gnosis Pay has the lower published FX fee (0% vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources).
- Purchase rewards
- Gnosis Pay0% base · up to 5%Brighty0.5% base · up to 1.75%
Brighty Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- Gnosis PaySelf-controlled walletBrightyCustodial balance
Gnosis Pay uses a self-controlled wallet setup, while Brighty Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Gnosis PayVirtual + Physical · Apple Pay, Google PayBrightyVirtual + Physical · Apple Pay
Gnosis Pay lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Gnosis Pay3 stablecoins · Stablecoin transfers; IBAN outboundBrighty2 stablecoins · Stablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
Brighty Card lists more stablecoins and ways to send money out (5 vs 4).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 0%-5%
- Plan cost
- $0
- FX fee
- 0%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 1 fiat
- Payout methods
- 0 crypto · 1 fiat
- Cashback
- 0.5%-1.8%
- Plan cost
- $0
- FX fee
- Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 16 crypto · 4 fiat
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsGnosis PayOverall77Brighty CardOverall70
Gnosis PayOverall77Brighty CardOverall70Scores
6 fields- Overall Score
- Gnosis Pay77Brighty Card70
- Cashback score
- Gnosis Pay22Brighty Card48
- Travel score
- Gnosis Pay100Brighty Card80
- Funds control score
- Gnosis Pay89Brighty Card65
- Lowest fees score
- Gnosis Pay87Brighty Card68
- Transfers score
- Gnosis Pay91Brighty Card93
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersBrighty CardFree entry plan, USDC cashback
- Trade-offs
- Gnosis PaySetup is more complex than prepaid cards, Cashback depends on GNO programme rulesBrighty CardNetwork-specific FX gap, Physical terms vary
Costs
7 fields- Plan cost
- Gnosis Pay$0Brighty Card$0
- FX fee
- Gnosis Pay0%Brighty CardVisa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources
- Top-up fee
- Gnosis Pay0%Brighty Card0%
- Card spending fee
- Gnosis Pay0%Brighty CardNot disclosed
- ATM fee
- Gnosis Pay0–2%Brighty CardNot disclosed
- Virtual card
- Gnosis PayFree; available after the card application is acceptedBrighty CardVisa and Mastercard: published issue price €2.99; included-card interaction unresolved
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeBrighty CardVisa: One unavailable; Plus includes one and Pro includes two, with €0 issue price
Plans
2 fields- Available plans
- Gnosis PayNot disclosedBrighty Card3 plans: One, Plus, Pro
- Top cashback plan
- Gnosis PayNot disclosedBrighty CardOne: 0.5%
Everyday use
8 fields- Network
- Gnosis PayVisaBrighty CardVisa/Mastercard
- Card formats
- Gnosis PayVirtual, PhysicalBrighty CardVirtual, Physical
- ATM withdrawals
- Gnosis PayAvailableBrighty CardAvailable
- Mobile wallets
- Gnosis PayApple Pay, Google PayBrighty CardApple Pay
- Apps
- Gnosis PayWebBrighty CardiOS, Android
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionBrighty CardPublished period is ambiguous: Visa virtual €15k / €15k / €50k; Mastercard virtual €15k / €25k / €50k for One / Plus / Pro
- Monthly spending limit
- Gnosis PayNot disclosedBrighty CardPublished period is ambiguous: physical Visa €15k on Plus and €50k on Pro
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayBrighty CardATM withdrawal limits are not published; only physical Visa fees are known
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainBrighty CardEthereum, Tron, Bitcoin SegWit, Bitcoin Legacy, Cardano, Tezos +6
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeBrighty CardStablecoins: USDC, EURC; Other crypto: BTC, ETH
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANBrighty CardSEPA / Faster Payments, SWIFT
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundBrighty CardStablecoin transfers; SEPA / Faster Payments payout, SWIFT payout
- Payout currencies
- Gnosis PayEUReBrighty CardEUR, GBP, USD, AED
Rewards
3 fields- Base cashback
- Gnosis Pay0%Brighty Card0.5%
- Max cashback
- Gnosis Pay5%Brighty Card1.8%
- Reward currency
- Gnosis PayGNO cashbackBrighty CardUSDC
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredBrighty CardNot disclosed
- How it works
- Gnosis PayNot offeredBrighty CardEarn on spending balance
- Separate deposit
- Gnosis PayNot offeredBrighty CardNo
- Use balance for spending
- Gnosis PayNot offeredBrighty CardYes
- Lock-up
- Gnosis PayNot offeredBrighty CardNo
Trust & availability
8 fields- Custody
- Gnosis PaySelf-custodyBrighty CardCustodial
- Control until payment
- Gnosis PayYou keep controlBrighty CardProvider controls funds
- Card issuer
- Gnosis PayMonavateBrighty CardWallester AS
- Card processing
- Gnosis PayPaymentologyBrighty CardNot disclosed
- Custody / key management
- Gnosis PaySafe{Wallet}Brighty CardFireblocks
- Bank transfers
- Gnosis PayMoneriumBrighty CardNot disclosed
- Identity verification
- Gnosis PaySumsubBrighty CardSumsub
- Programme operator
- Gnosis PayGnosis PayBrighty CardNot disclosed
Sources
2 fields- Official sources
- Gnosis Pay17Brighty Card25
- Last reviewed
- Gnosis PayAug 6, 2026Brighty CardAug 16, 2026
04 · The trade-off
Gnosis Pay is the stronger all-round choice
Gnosis Pay finishes ahead with an Overall Score of 77 versus 70 for Brighty Card. Gnosis Pay has the lower published FX fee (0% vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources). Brighty Card has the higher published base cashback rate (0.5% vs 0%).
Brighty Card still comes out ahead for Cashback and Transfers, which may matter more than the overall result if that is how you plan to use the card. Gnosis Pay uses a self-controlled wallet setup, while Brighty Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Brighty Card lists more stablecoins and ways to send money out (5 vs 4). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Gnosis Pay and Brighty Card reviews first.
Continue with
Gnosis Pay
Continue with
Brighty Card
05 · Common questions
Gnosis Pay vs Brighty FAQ
Is Gnosis Pay or Brighty better overall?
Gnosis Pay has the higher Overall Score (77 vs 70). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Gnosis Pay or Brighty?
Gnosis Pay has the lower published FX fee (0% vs Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Gnosis Pay or Brighty?
Brighty Card has the higher published base cashback rate (0.5% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Gnosis Pay and Brighty differ on custody?
Gnosis Pay uses a self-controlled wallet setup, while Brighty Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Gnosis Pay vs Brighty comparison?
The latest information check for these two cards was August 16, 2026, using 42 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.