Gnosis PayGnosis Pay
76
Side-by-side card comparison
Gnosis Pay vs Ethena Pay: overall score versus use-case fit
Ethena Pay Card has the higher Overall Score by 10 points (86 vs 76). Gnosis Pay looks stronger for Travel, Funds control, and Transfers, while Ethena Pay Card comes out ahead for Cashback.
Information checked Sep 1, 202629 official sources reviewed
01 · Overall score versus use-case fit
Ethena Pay Card is the better all-round starting point
Ethena Pay Card has the higher Overall Score in this comparison. Gnosis Pay may be the better fit for Travel, Funds control, 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 Pay76Ethena Pay86Higher score
CashbackGnosis Pay25Ethena Pay89Higher score
TravelGnosis Pay100Ethena Pay64Higher score
Funds controlGnosis Pay89Ethena Pay86Higher score
Lowest feesGnosis Pay87Ethena Pay87Same score
TransfersGnosis Pay91Ethena Pay82Higher score
Choose Gnosis Pay if travel and funds control matter most
Gnosis Pay comes out ahead for Travel, Funds control, 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 Ethena Pay Card if cashback matters most
Ethena Pay Card comes out ahead for Cashback in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Strong Standard cashback bands
- No Standard monthly fee or FX markup
- Collateral stays in linked wallets
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 Pay76Ethena Pay86
Ethena Pay Card has the higher Overall Score by 10 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXEthena Pay$0 plan · 0% Ethena Pay markup; Visa rate applies FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Gnosis Pay0% cashbackEthena Pay4% base · up to 5%
Ethena Pay Card has the higher published base cashback rate (4% vs 0%).
- Funds control
- Gnosis PaySelf-controlled walletEthena PayHybrid custody
Gnosis Pay uses a self-controlled wallet setup, while Ethena Pay 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 PayEthena PayVirtual · Apple Pay
Gnosis Pay lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Gnosis Pay3 stablecoins · Stablecoin transfers; IBAN outboundEthena Pay1 stablecoin · Stablecoin transfers; Ethena Pay user transfer; Bank withdrawal
Both cards list the same number of stablecoins and ways to send money out.
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%
- 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
- 4%-5%
- Plan cost
- $0
- FX fee
- 0% Ethena Pay markup; Visa rate applies
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 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 PayOverall76Ethena Pay CardOverall86
Gnosis PayOverall76Ethena Pay CardOverall86Scores
6 fields- Overall Score
- Gnosis Pay76Ethena Pay Card86
- Cashback score
- Gnosis Pay25Ethena Pay Card89
- Travel score
- Gnosis Pay100Ethena Pay Card64
- Funds control score
- Gnosis Pay89Ethena Pay Card86
- Lowest fees score
- Gnosis Pay87Ethena Pay Card87
- Transfers score
- Gnosis Pay91Ethena Pay Card82
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersEthena Pay CardStrong Standard cashback bands, No Standard monthly fee or FX markup
- Trade-offs
- Gnosis PaySetup is more complex than prepaid cards, The GNO cashback programme has endedEthena Pay CardCard access is still application-gated, One-day payment grace adds liquidation risk
Costs
7 fields- Plan cost
- Gnosis Pay$0Ethena Pay Card$0
- FX fee
- Gnosis Pay0%Ethena Pay Card0% Ethena Pay markup; Visa rate applies
- Top-up fee
- Gnosis Pay0%Ethena Pay CardProvider collateral-funding fee unknown; external network gas is separate
- Card spending fee
- Gnosis Pay0%Ethena Pay Card0%
- ATM fee
- Gnosis Pay0–2%Ethena Pay CardNot available
- Virtual card
- Gnosis PayFree; available after the card application is acceptedEthena Pay CardUSD 0
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeEthena Pay CardNot disclosed
Plans
2 fields- Available plans
- Gnosis PayNot disclosedEthena Pay Card3 plans: Standard, Pro, VIP
- Top cashback plan
- Gnosis PayNot disclosedEthena Pay CardVIP: 5%
Everyday use
8 fields- Network
- Gnosis PayVisaEthena Pay CardVisa
- Card formats
- Gnosis PayVirtual, PhysicalEthena Pay CardVirtual
- ATM withdrawals
- Gnosis PayAvailableEthena Pay CardNot available
- Mobile wallets
- Gnosis PayApple Pay, Google PayEthena Pay CardApple Pay
- Apps
- Gnosis PayWebEthena Pay CardiOS, Web
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionEthena Pay CardDynamic, based on collateral market value
- Monthly spending limit
- Gnosis PayNot disclosedEthena Pay CardDynamic, based on collateral market value
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayEthena Pay CardNot available
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainEthena Pay CardEthereum, Polygon, Optimism, Arbitrum
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeEthena Pay CardNot disclosed
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANEthena Pay CardNot disclosed
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundEthena Pay CardStablecoin transfers; Ethena Pay user transfer; Bank withdrawal
- Payout currencies
- Gnosis PayEUReEthena Pay CardNot disclosed
Rewards
3 fields- Base cashback
- Gnosis Pay0%Ethena Pay Card4%
- Max cashback
- Gnosis Pay0%Ethena Pay Card5%
- Reward currency
- Gnosis PayNot applicableEthena Pay CardAVAX
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredEthena Pay CardUp to 6% APY
- How it works
- Gnosis PayNot offeredEthena Pay CardEarn on spending balance
- Separate deposit
- Gnosis PayNot offeredEthena Pay CardNo
- Use balance for spending
- Gnosis PayNot offeredEthena Pay CardYes
- Lock-up
- Gnosis PayNot offeredEthena Pay CardNo
Trust & availability
8 fields- Custody
- Gnosis PaySelf-custodyEthena Pay CardHybrid custody
- Control until payment
- Gnosis PayYou keep controlEthena Pay CardYou keep control
- Card issuer
- Gnosis PayMonavateEthena Pay CardThird National
- Card processing
- Gnosis PayPaymentologyEthena Pay CardSignify Holdings, Inc. d/b/a Rain
- Custody / key management
- Gnosis PaySafe{Wallet}Ethena Pay CardNot disclosed
- Bank transfers
- Gnosis PayMoneriumEthena Pay CardNot disclosed
- Identity verification
- Gnosis PaySumsubEthena Pay CardSumsub
- Programme operator
- Gnosis PayGnosis PayEthena Pay CardNot disclosed
Sources
2 fields- Official sources
- Gnosis Pay17Ethena Pay Card12
- Last reviewed
- Gnosis PayAug 31, 2026Ethena Pay CardSep 1, 2026
04 · The trade-off
Ethena Pay Card is the stronger all-round choice
Ethena Pay Card finishes ahead with an Overall Score of 86 versus 76 for Gnosis Pay. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Ethena Pay Card has the higher published base cashback rate (4% vs 0%).
Gnosis Pay still comes out ahead for Travel, Funds control, 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 Ethena Pay Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
Both cards list the same number of stablecoins and ways to send money out. 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 Ethena Pay Card reviews first.
Continue with
Gnosis Pay
Continue with
Ethena Pay Card
05 · Common questions
Gnosis Pay vs Ethena Pay FAQ
Is Gnosis Pay or Ethena Pay better overall?
Ethena Pay Card has the higher Overall Score (86 vs 76). 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 Ethena Pay?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. 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 Ethena Pay?
Ethena Pay Card has the higher published base cashback rate (4% 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 Ethena Pay differ on custody?
Gnosis Pay uses a self-controlled wallet setup, while Ethena Pay 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 Ethena Pay comparison?
The latest information check for these two cards was September 1, 2026, using 29 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.