Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Solayer Pay: fees, rewards and account setup
Gnosis Pay has the higher Overall Score by 22 points (77 vs 55). Gnosis Pay also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Solayer Pay Card may still be the better personal fit.
Information checked Aug 12, 202642 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. Solayer Pay 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 Pay77Solayer Pay55Higher score
CashbackGnosis Pay22Solayer Pay20Higher score
TravelGnosis Pay100Solayer Pay53Higher score
Funds controlGnosis Pay89Solayer Pay47Higher score
Lowest feesGnosis Pay87Solayer Pay43Higher score
TransfersGnosis Pay91Solayer Pay29Higher 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 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. 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 and physical Visa cards
- Spend USDC from Solana
- sUSD can earn while spendable
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 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
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% 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
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 PayOverall77Solayer Pay CardOverall55
Gnosis PayOverall77Solayer Pay CardOverall55Scores
6 fields- Overall Score
- Gnosis Pay77Solayer Pay Card55
- Cashback score
- Gnosis Pay22Solayer Pay Card20
- Travel score
- Gnosis Pay100Solayer Pay Card53
- Funds control score
- Gnosis Pay89Solayer 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 PaySetup is more complex than prepaid cards, Cashback depends on GNO programme rulesSolayer 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 PayAug 6, 2026Solayer Pay CardAug 12, 2026
04 · The takeaway
Gnosis Pay is the stronger all-round choice
Gnosis Pay finishes ahead with an Overall Score of 77 versus 55 for Solayer Pay Card. Gnosis Pay has the lower starting plan cost ($0 vs $20/year). Both cards show the same base cashback rate of 0%.
Solayer Pay 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 Solayer Pay Card uses a custodial balance 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 1). 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 Solayer Pay Card reviews first.
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 has the higher Overall Score (77 vs 55). 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 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 August 12, 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.