Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Coin98 Fusion: fees, rewards and account setup
Gnosis Pay has the higher Overall Score by 17 points (77 vs 60). Gnosis Pay also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Coin98 Fusion Card may still be the better personal fit.
Information checked Aug 6, 202640 official sources reviewed
01 · Make the first cut
Gnosis Pay is the better all-round starting point
Gnosis Pay has the higher Overall Score in this comparison. Coin98 Fusion Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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 Pay77Coin98 Fusion60Higher score
CashbackGnosis Pay22Coin98 Fusion17Higher score
TravelGnosis Pay100Coin98 Fusion65Higher score
Funds controlGnosis Pay89Coin98 Fusion64Higher score
Lowest feesGnosis Pay87Coin98 Fusion72Higher score
TransfersGnosis Pay91Coin98 Fusion39Higher score
Choose Gnosis Pay if cashback and travel matter most
Gnosis Pay comes out ahead for Cashback, Travel, Funds control, Lowest fees, and Transfers 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 Coin98 Fusion Card if its day-to-day setup suits you
Coin98 Fusion Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Virtual Visa with both phone wallets
- USDC and USDT top-ups on five networks
- No monthly or annual card fee
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- Gnosis Pay77Coin98 Fusion60
Gnosis Pay has the higher Overall Score by 17 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXCoin98 Fusion$0 plan · 1.7% foreign-currency conversion FX
Gnosis Pay has the lower published FX fee (0% vs 1.7% foreign-currency conversion).
- Purchase rewards
- Gnosis Pay0% base · up to 5%Coin98 Fusion0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- Gnosis PaySelf-controlled walletCoin98 FusionHybrid custody
Gnosis Pay uses a self-controlled wallet setup, while Coin98 Fusion Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Gnosis PayVirtual + Physical · Apple Pay, Google PayCoin98 FusionVirtual · Apple Pay, Google Pay
Gnosis Pay lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Gnosis Pay3 stablecoins · Stablecoin transfers; IBAN outboundCoin98 Fusion2 stablecoins · Not modeled
Gnosis Pay lists more stablecoins and ways to send money out (4 vs 2).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- 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%
- Plan cost
- $0
- FX fee
- 1.7% foreign-currency conversion
- ATM fee
- 1% or SGD 5, whichever is higher, plus any ATM-operator surcharge
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
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03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsGnosis PayOverall77Coin98 Fusion CardOverall60
Gnosis PayOverall77Coin98 Fusion CardOverall60Scores
6 fields- Overall Score
- Gnosis Pay77Coin98 Fusion Card60
- Cashback score
- Gnosis Pay22Coin98 Fusion Card17
- Travel score
- Gnosis Pay100Coin98 Fusion Card65
- Funds control score
- Gnosis Pay89Coin98 Fusion Card64
- Lowest fees score
- Gnosis Pay87Coin98 Fusion Card72
- Transfers score
- Gnosis Pay91Coin98 Fusion Card39
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersCoin98 Fusion CardVirtual Visa with both phone wallets, USDC and USDT top-ups on five networks
- Trade-offs
- Gnosis PaySetup is more complex than prepaid cards, Cashback depends on GNO programme rulesCoin98 Fusion CardEvergreen rewards are not verified, Top-up, FX and ATM fees apply
Costs
7 fields- Plan cost
- Gnosis Pay$0Coin98 Fusion Card$0
- FX fee
- Gnosis Pay0%Coin98 Fusion Card1.7% foreign-currency conversion
- Top-up fee
- Gnosis Pay0%Coin98 Fusion Card1%
- Card spending fee
- Gnosis Pay0%Coin98 Fusion CardNot disclosed
- ATM fee
- Gnosis Pay0–2%Coin98 Fusion Card1% or SGD 5, whichever is higher, plus any ATM-operator surcharge
- Virtual card
- Gnosis PayFree; available after the card application is acceptedCoin98 Fusion CardUSD 9 issuance/activation fee
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeCoin98 Fusion CardNot applicable while the physical card is under development
Plans
2 fields- Available plans
- Gnosis PayNot disclosedCoin98 Fusion CardNot disclosed
- Top cashback plan
- Gnosis PayNot disclosedCoin98 Fusion CardNot disclosed
Everyday use
8 fields- Network
- Gnosis PayVisaCoin98 Fusion CardVisa
- Card formats
- Gnosis PayVirtual, PhysicalCoin98 Fusion CardVirtual
- ATM withdrawals
- Gnosis PayAvailableCoin98 Fusion CardAvailable
- Mobile wallets
- Gnosis PayApple Pay, Google PayCoin98 Fusion CardApple Pay, Google Pay
- Apps
- Gnosis PayWebCoin98 Fusion CardiOS, Android
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionCoin98 Fusion CardNo daily card-spend limit published; SGD 200,000 rolling 12-month spending limit
- Monthly spending limit
- Gnosis PayNot disclosedCoin98 Fusion CardNo monthly card-spend limit published; SGD 200,000 rolling 12-month spending limit
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayCoin98 Fusion CardSGD 10,000 per day and SGD 100,000 per month; per-transaction cap unclear
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainCoin98 Fusion CardEthereum, Solana, Polygon, Base, Tron
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeCoin98 Fusion CardStablecoins: USDC, USDT
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANCoin98 Fusion CardNot disclosed
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundCoin98 Fusion CardNot disclosed
- Payout currencies
- Gnosis PayEUReCoin98 Fusion CardNot disclosed
Rewards
3 fields- Base cashback
- Gnosis Pay0%Coin98 Fusion Card0%
- Max cashback
- Gnosis Pay5%Coin98 Fusion Card0%
- Reward currency
- Gnosis PayGNO cashbackCoin98 Fusion CardNot applicable
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredCoin98 Fusion CardNot offered
- How it works
- Gnosis PayNot offeredCoin98 Fusion CardNot offered
- Separate deposit
- Gnosis PayNot offeredCoin98 Fusion CardNot offered
- Use balance for spending
- Gnosis PayNot offeredCoin98 Fusion CardNot offered
- Lock-up
- Gnosis PayNot offeredCoin98 Fusion CardNot offered
Trust & availability
8 fields- Custody
- Gnosis PaySelf-custodyCoin98 Fusion CardHybrid custody
- Control until payment
- Gnosis PayYou keep controlCoin98 Fusion CardProvider controls funds
- Card issuer
- Gnosis PayMonavateCoin98 Fusion CardDCS Card Centre Pte. Ltd.
- Card processing
- Gnosis PayPaymentologyCoin98 Fusion CardNot disclosed
- Custody / key management
- Gnosis PaySafe{Wallet}Coin98 Fusion CardNot disclosed
- Bank transfers
- Gnosis PayMoneriumCoin98 Fusion CardNot disclosed
- Identity verification
- Gnosis PaySumsubCoin98 Fusion CardNot disclosed
- Programme operator
- Gnosis PayGnosis PayCoin98 Fusion CardNot disclosed
Sources
2 fields- Official sources
- Gnosis Pay17Coin98 Fusion Card23
- Last reviewed
- Gnosis PayAug 6, 2026Coin98 Fusion CardAug 5, 2026
04 · The takeaway
Gnosis Pay is the stronger all-round choice
Gnosis Pay finishes ahead with an Overall Score of 77 versus 60 for Coin98 Fusion Card. Gnosis Pay has the lower published FX fee (0% vs 1.7% foreign-currency conversion). Both cards show the same base cashback rate of 0%.
Coin98 Fusion Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Gnosis Pay uses a self-controlled wallet setup, while Coin98 Fusion Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
Gnosis Pay lists more stablecoins and ways to send money out (4 vs 2). 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 Coin98 Fusion Card reviews first.
Continue with
Gnosis Pay
Continue with
Coin98 Fusion Card
05 · Common questions
Gnosis Pay vs Coin98 Fusion FAQ
Is Gnosis Pay or Coin98 Fusion better overall?
Gnosis Pay has the higher Overall Score (77 vs 60). 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 Coin98 Fusion?
Gnosis Pay has the lower published FX fee (0% vs 1.7% foreign-currency conversion). 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 Coin98 Fusion?
Both cards show the same base cashback rate of 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 Coin98 Fusion differ on custody?
Gnosis Pay uses a self-controlled wallet setup, while Coin98 Fusion Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Gnosis Pay vs Coin98 Fusion comparison?
The latest information check for these two cards was August 6, 2026, using 40 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.