Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs MPChat: where the score gap comes from
Gnosis Pay's consumer card and dashboard are winding down by the end of 2026. Existing cards continue during the transition; the exact shutdown day has not been announced. Scores below describe the reviewed card terms, not availability for a new application.
Information checked Sep 23, 202647 official sources reviewed
01 · Where the gap opens
Gnosis Pay is being discontinued
This comparison remains available for existing cardholders. Gnosis Pay is excluded from our recommendations during its wind-down. Review Rebind for the EUR migration route and check the other card's current eligibility independently.
OverallGnosis Pay77MPChat52Higher score
CashbackGnosis Pay22MPChat18Compare the details below
TravelGnosis Pay100MPChat72Compare the details below
Funds controlGnosis Pay90MPChat41Compare the details below
Lowest feesGnosis Pay87MPChat60Compare the details below
TransfersGnosis Pay91MPChat58Compare the details below
Gnosis Pay: existing-card reference
Gnosis Pay's consumer card and dashboard are winding down by the end of 2026. Existing cards continue during the transition; the exact shutdown day has not been announced.
- Excluded from new-card recommendations
- EUR migration route: Rebind
- Exact card shutdown day unannounced
Choose MPChat Card if its day-to-day setup suits you
MPChat 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. Read the side-by-side details before deciding.
- Virtual and physical options
- No monthly card fee
- USDT funding on Tron
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Gnosis Pay77MPChat52
Gnosis Pay has the higher Overall Score by 25 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXMPChat$0 plan · 0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate 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% base · up to 5%MPChatNot disclosed
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
- Funds control
- Gnosis PaySelf-controlled walletMPChatCustodial balance
Gnosis Pay uses a self-controlled wallet setup, while MPChat 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 PayMPChatVirtual + Physical · Google Pay
Gnosis Pay lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Gnosis Pay3 stablecoins · Stablecoin transfers; IBAN outboundMPChat1 stablecoin · Stablecoin transfers
Gnosis Pay lists more stablecoins and ways to send money out (4 vs 2).
02 · Read the shortlist
Why one card starts ahead
These quick facts cover the costs, rewards and everyday features behind the early lead.
- 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
- Not disclosed
- Plan cost
- $0
- FX fee
- 0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate
- ATM fee
- Boundless only: 2%, minimum $1; Cloud has no ATM access
- Card formats
- Virtual, Physical
- Wallet payments
- Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. Signup offers are excluded from card scores.
Gnosis Pay
No active signup offer listed
We do not currently list an active signup offer for this card.
MPChat Card
5 USDT after first virtual card approval
First virtual card referral reward
- Download MPChat through the referral link.
- Enter coupon ID 76912265 during activation of your first virtual card.
- Complete application and card approval; the reward is credited to MPChat Pay after approval.
Coupon ID76912265
MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
Test the lead, row by row
A better number is marked only when both providers publish values that can be compared fairly.
Best known Not disclosed
CardsGnosis PayOverall77MPChat CardOverall52
Gnosis PayOverall77MPChat CardOverall52Scores
6 fields- Overall Score
- Gnosis Pay77MPChat Card52
- Cashback score
- Gnosis Pay22MPChat Card18
- Travel score
- Gnosis Pay100MPChat Card72
- Funds control score
- Gnosis Pay90MPChat Card41
- Lowest fees score
- Gnosis Pay87MPChat Card60
- Transfers score
- Gnosis Pay91MPChat Card58
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersMPChat CardVirtual and physical options, No monthly card fee
- Trade-offs
- Gnosis PayConsumer card being discontinued; GNO cashback ends September 30, 2026MPChat CardPurchase fee on each spend, Effective conversion cost unclear
Costs
7 fields- Plan cost
- Gnosis Pay$0MPChat Card$0
- FX fee
- Gnosis Pay0%MPChat Card0% MPChat FX markup; 0% MPChat cross-border markup. Visa/issuer pass-through and effective USDT settlement cost unknown; purchase fee separate
- Top-up fee
- Gnosis Pay0%MPChat CardUSDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to card
- Card spending fee
- Gnosis Pay0%MPChat Card$0.15 + 0.8%
- ATM fee
- Gnosis Pay0–2%MPChat CardBoundless only: 2%, minimum $1; Cloud has no ATM access
- Virtual card
- Gnosis PayFree; available after the card application is acceptedMPChat CardCloud: 10 USDT one time
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeMPChat CardBoundless: 100 USDT one time
Plans
2 fields- Available plans
- Gnosis PayNot disclosedMPChat Card2 plans: Cloud Card, Boundless Card
- Top cashback plan
- Gnosis PayNot disclosedMPChat CardNot disclosed
Everyday use
8 fields- Network
- Gnosis PayVisaMPChat CardVisa
- Card formats
- Gnosis PayVirtual, PhysicalMPChat CardVirtual, Physical
- ATM withdrawals
- Gnosis PayAvailableMPChat CardAvailable
- Mobile wallets
- Gnosis PayApple Pay, Google PayMPChat CardGoogle Pay
- Apps
- Gnosis PayWebMPChat CardNot disclosed
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionMPChat CardUp to $250,000 and conservatively 50 purchases per day; app limits may be lower
- Monthly spending limit
- Gnosis PayNot disclosedMPChat CardUp to $1,000,000 per month; app limit may be lower
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayMPChat CardBoundless: up to $1,500 per withdrawal and day; $15,000 monthly
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainMPChat CardTron (TRC20)
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeMPChat CardStablecoins: USDT
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANMPChat CardNot disclosed
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundMPChat CardStablecoin transfers
- Payout currencies
- Gnosis PayEUReMPChat CardNot disclosed
Rewards
3 fields- Base cashback
- Gnosis Pay0%MPChat CardNot disclosed
- Max cashback
- Gnosis Pay5%MPChat CardNot disclosed
- Reward currency
- Gnosis PayGNO cashbackMPChat CardNot disclosed
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredMPChat CardNot offered
- How it works
- Gnosis PayNot offeredMPChat CardNot offered
- Separate deposit
- Gnosis PayNot offeredMPChat CardNot offered
- Use balance for spending
- Gnosis PayNot offeredMPChat CardNot offered
- Lock-up
- Gnosis PayNot offeredMPChat CardNot offered
Trust & availability
8 fields- Custody
- Gnosis PaySelf-custodyMPChat CardCustodial
- Control until payment
- Gnosis PayYou keep controlMPChat CardProvider controls funds
- Card issuer
- Gnosis PayMonavateMPChat CardNot disclosed
- Card processing
- Gnosis PayPaymentologyMPChat CardNot disclosed
- Custody / key management
- Gnosis PaySafe{Wallet}MPChat CardNot disclosed
- Bank transfers
- Gnosis PayMoneriumMPChat CardNot disclosed
- Identity verification
- Gnosis PaySumsubMPChat CardNot disclosed
- Programme operator
- Gnosis PayGnosis PayMPChat CardNot disclosed
Sources
2 fields- Official sources
- Gnosis Pay17MPChat Card30
- Last reviewed
- Gnosis PaySep 6, 2026MPChat CardSep 23, 2026
04 · The verdict
Plan around the Gnosis Pay wind-down
Gnosis Pay's consumer card and dashboard are winding down by the end of 2026. Existing cards continue during the transition; the exact shutdown day has not been announced.
An Overall Score does not extend a card's service life. Existing users can review the recorded costs below, but new applicants should consider a live programme and confirm its country eligibility.
Read the Gnosis transition notice and our Rebind profile before migrating.
Continue with
Gnosis Pay
Continue with
MPChat Card
05 · Common questions
Gnosis Pay vs MPChat FAQ
Is Gnosis Pay or MPChat better overall?
Gnosis Pay's consumer card and dashboard are winding down by the end of 2026. Existing cards continue during the transition; the exact shutdown day has not been announced. Gnosis Pay is not a current recommendation, regardless of its numerical score.
Which has lower fees, Gnosis Pay or MPChat?
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 MPChat?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. 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 MPChat differ on custody?
Gnosis Pay uses a self-controlled wallet setup, while MPChat 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 MPChat comparison?
The latest information check for these two cards was September 23, 2026, using 47 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.