Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Solayer Pay: 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 6, 202642 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 Pay77Solayer Pay55Higher score
CashbackGnosis Pay22Solayer Pay21Compare the details below
TravelGnosis Pay100Solayer Pay53Compare the details below
Funds controlGnosis Pay90Solayer Pay47Compare the details below
Lowest feesGnosis Pay87Solayer Pay43Compare the details below
TransfersGnosis Pay91Solayer Pay29Compare 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 Solayer Pay Card if its day-to-day setup suits you
Solayer Pay 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 Visa cards
- Spend USDC from Solana
- sUSD can earn while spendable
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Gnosis Pay77Solayer Pay55
Gnosis Pay has the higher Overall Score by 22 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXSolayer Pay$20/year plan · Up to 3% stated + $0.10; components may stack FX
Gnosis Pay has the lower starting plan cost ($0 vs $20/year).
- Purchase rewards
- Gnosis Pay0% base · up to 5%Solayer Pay0% base
Both cards show the same base cashback rate of 0%.
- Funds control
- Gnosis PaySelf-controlled walletSolayer PayCustodial balance
Gnosis Pay uses a self-controlled wallet setup, while Solayer Pay 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 PaySolayer PayVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Gnosis Pay3 stablecoins · Stablecoin transfers; IBAN outboundSolayer Pay1 stablecoin · Not modeled
Gnosis Pay lists more stablecoins and ways to send money out (4 vs 1).
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
- 0% base
- Plan cost
- $20/year
- FX fee
- Up to 3% stated + $0.10; components may stack
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
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 PayOverall77Solayer Pay CardOverall55
Gnosis PayOverall77Solayer Pay CardOverall55Scores
6 fields- Overall Score
- Gnosis Pay77Solayer Pay Card55
- Cashback score
- Gnosis Pay22Solayer Pay Card21
- Travel score
- Gnosis Pay100Solayer Pay Card53
- Funds control score
- Gnosis Pay90Solayer Pay Card47
- Lowest fees score
- Gnosis Pay87Solayer Pay Card43
- Transfers score
- Gnosis Pay91Solayer Pay Card29
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersSolayer Pay CardVirtual and physical Visa cards, Spend USDC from Solana
- Trade-offs
- Gnosis PayConsumer card being discontinued; GNO cashback ends September 30, 2026Solayer Pay CardPurchases earn Emerald Points, FX costs vary by region
Costs
7 fields- Plan cost
- Gnosis Pay$0Solayer Pay Card$20/year
- FX fee
- Gnosis Pay0%Solayer Pay CardUp to 3% stated + $0.10; components may stack
- Top-up fee
- Gnosis Pay0%Solayer Pay Card1%
- Card spending fee
- Gnosis Pay0%Solayer Pay Card$0.15
- ATM fee
- Gnosis Pay0–2%Solayer Pay CardNot disclosed
- Virtual card
- Gnosis PayFree; available after the card application is acceptedSolayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base plan
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeSolayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99
Plans
2 fields- Available plans
- Gnosis PayNot disclosedSolayer Pay Card1 plans: Solayer Pay
- Top cashback plan
- Gnosis PayNot disclosedSolayer Pay CardNot disclosed
Everyday use
8 fields- Network
- Gnosis PayVisaSolayer Pay CardVisa
- Card formats
- Gnosis PayVirtual, PhysicalSolayer Pay CardVirtual, Physical
- ATM withdrawals
- Gnosis PayAvailableSolayer Pay CardAvailable
- Mobile wallets
- Gnosis PayApple Pay, Google PaySolayer Pay CardApple Pay, Google Pay
- Apps
- Gnosis PayWebSolayer Pay CardiOS, Android
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionSolayer Pay CardShown in app
- Monthly spending limit
- Gnosis PayNot disclosedSolayer Pay CardShown in app
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/daySolayer Pay CardLimits shown in app
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainSolayer Pay CardSolana
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeSolayer Pay CardStablecoins: USDC
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANSolayer Pay CardNot disclosed
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundSolayer Pay CardNot disclosed
- Payout currencies
- Gnosis PayEUReSolayer Pay CardNot disclosed
Rewards
3 fields- Base cashback
- Gnosis Pay0%Solayer Pay Card0%
- Max cashback
- Gnosis Pay5%Solayer Pay CardNot disclosed
- Reward currency
- Gnosis PayGNO cashbackSolayer Pay CardEmerald Points
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredSolayer Pay CardUp to 3.5% APY
- How it works
- Gnosis PayNot offeredSolayer Pay CardEarn on spending balance
- Separate deposit
- Gnosis PayNot offeredSolayer Pay CardNo
- Use balance for spending
- Gnosis PayNot offeredSolayer Pay CardYes
- Lock-up
- Gnosis PayNot offeredSolayer Pay CardNo
Trust & availability
8 fields- Custody
- Gnosis PaySelf-custodySolayer Pay CardCustodial
- Control until payment
- Gnosis PayYou keep controlSolayer Pay CardProvider controls funds
- Card issuer
- Gnosis PayMonavateSolayer Pay CardThird National
- Card processing
- Gnosis PayPaymentologySolayer Pay CardNot disclosed
- Custody / key management
- Gnosis PaySafe{Wallet}Solayer Pay CardNot disclosed
- Bank transfers
- Gnosis PayMoneriumSolayer Pay CardNot disclosed
- Identity verification
- Gnosis PaySumsubSolayer Pay CardSumsub
- Programme operator
- Gnosis PayGnosis PaySolayer Pay CardSolayer Labs, Inc.
Sources
2 fields- Official sources
- Gnosis Pay17Solayer Pay Card25
- Last reviewed
- Gnosis PaySep 6, 2026Solayer Pay CardAug 12, 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
Solayer Pay Card
05 · Common questions
Gnosis Pay vs Solayer Pay FAQ
Is Gnosis Pay or Solayer Pay 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 Solayer Pay?
Gnosis Pay has the lower starting plan cost ($0 vs $20/year). 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 Solayer Pay?
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 Solayer Pay differ on custody?
Gnosis Pay uses a self-controlled wallet setup, while Solayer Pay 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 Solayer Pay comparison?
The latest information check for these two cards was September 6, 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.