Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Tria: overall score versus use-case fit
Gnosis Pay has the higher Overall Score by 10 points (77 vs 67). Gnosis Pay looks stronger for Travel, Lowest fees, and Transfers, while Tria Card comes out ahead for Cashback and Funds control.
Information checked Aug 25, 202638 official sources reviewed
01 · Overall score versus use-case fit
Gnosis Pay is the better all-round starting point
Gnosis Pay has the higher Overall Score in this comparison. Tria Card may be the better fit for Cashback and Funds control. 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 Pay77Tria67Higher score
CashbackGnosis Pay22Tria45Higher score
TravelGnosis Pay100Tria62Higher score
Funds controlGnosis Pay89Tria91Higher score
Lowest feesGnosis Pay87Tria51Higher score
TransfersGnosis Pay91Tria63Higher score
Choose Gnosis Pay if travel and lowest fees matter most
Gnosis Pay comes out ahead for Travel, 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 Tria Card if cashback and funds control matter most
Tria Card comes out ahead for Cashback and Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody wallet linked to card spend
- Physical, virtual and phone-wallet access
- Higher tiers raise caps and perks
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 Pay77Tria67
Gnosis Pay has the higher Overall Score by 10 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXTria$25/year plan · 0–3% FX
Gnosis Pay has the lower starting plan cost ($0 vs $25/year).
- Purchase rewards
- Gnosis Pay0% base · up to 5%Tria1.5% base · up to 6%
Tria Card has the higher published base cashback rate (1.5% vs 0%).
- Funds control
- Gnosis PaySelf-controlled walletTriaSelf-controlled wallet
Gnosis Pay and Tria Card use the same self-controlled wallet setup.
- Everyday access
- Gnosis PayVirtual + Physical · Apple Pay, Google PayTriaVirtual + 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 outboundTria2 stablecoins · Stablecoin transfers
Gnosis Pay lists more stablecoins and ways to send money out (4 vs 3).
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%-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
- 1.5%-6%
- Plan cost
- $25/year
- FX fee
- 0–3%
- ATM fee
- Up to $2 + 3%; inquiry/decline up to $2
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 5 crypto · 0 fiat
- Payout methods
- 5 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 PayOverall77Tria CardOverall67
Gnosis PayOverall77Tria CardOverall67Scores
6 fields- Overall Score
- Gnosis Pay77Tria Card67
- Cashback score
- Gnosis Pay22Tria Card45
- Travel score
- Gnosis Pay100Tria Card62
- Funds control score
- Gnosis Pay89Tria Card91
- Lowest fees score
- Gnosis Pay87Tria Card51
- Transfers score
- Gnosis Pay91Tria Card63
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersTria CardSelf-custody wallet linked to card spend, Physical, virtual and phone-wallet access
- Trade-offs
- Gnosis PaySetup is more complex than prepaid cards, Cashback depends on GNO programme rulesTria CardEntry tier is paid, Funding and FX use separate fee layers
Costs
7 fields- Plan cost
- Gnosis Pay$0Tria Card$25/year
- FX fee
- Gnosis Pay0%Tria Card0–3%
- Top-up fee
- Gnosis Pay0%Tria Card1%
- Card spending fee
- Gnosis Pay0%Tria CardNot disclosed
- ATM fee
- Gnosis Pay0–2%Tria CardUp to $2 + 3%; inquiry/decline up to $2
- Virtual card
- Gnosis PayFree; available after the card application is acceptedTria Card$25/year Virtual membership; issued after payment and KYC
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeTria CardSignature $109/year PVC card + virtual; Premium $250/year metal card + virtual; shipping is country/batch gated
Plans
2 fields- Available plans
- Gnosis PayNot disclosedTria Card3 plans: Virtual, Signature, Premium
- Top cashback plan
- Gnosis PayNot disclosedTria CardPremium: 6%
Everyday use
8 fields- Network
- Gnosis PayVisaTria CardVisa
- Card formats
- Gnosis PayVirtual, PhysicalTria CardVirtual, Physical
- ATM withdrawals
- Gnosis PayAvailableTria CardAvailable
- Mobile wallets
- Gnosis PayApple Pay, Google PayTria CardApple Pay, Google Pay
- Apps
- Gnosis PayWebTria CardiOS, Android, Web
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- Monthly spending limit
- Gnosis PayNot disclosedTria CardDynamic / collateral-based; marketing claims up to $1,000,000/day
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayTria Card$750/withdrawal; 3 withdrawals/24h
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainTria CardEthereum, Polygon, Base, Arbitrum, Optimism, BSC +2
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeTria CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANTria CardNot disclosed
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundTria CardStablecoin transfers
- Payout currencies
- Gnosis PayEUReTria CardNot disclosed
Rewards
3 fields- Base cashback
- Gnosis Pay0%Tria Card1.5%
- Max cashback
- Gnosis Pay5%Tria Card6%
- Reward currency
- Gnosis PayGNO cashbackTria CardUSDC and/or USDT stablecoins cashback
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredTria CardUp to 15% APY
- How it works
- Gnosis PayNot offeredTria CardOptional earn vault
- Separate deposit
- Gnosis PayNot offeredTria CardNot disclosed
- Use balance for spending
- Gnosis PayNot offeredTria CardNot disclosed
- Lock-up
- Gnosis PayNot offeredTria CardNo
Trust & availability
8 fields- Custody
- Gnosis PaySelf-custodyTria CardSelf-custody
- Control until payment
- Gnosis PayYou keep controlTria CardYou keep control
- Card issuer
- Gnosis PayMonavateTria CardNimbus, LLC, Third National
- Card processing
- Gnosis PayPaymentologyTria CardNot disclosed
- Custody / key management
- Gnosis PaySafe{Wallet}Tria CardNot disclosed
- Bank transfers
- Gnosis PayMoneriumTria CardNot disclosed
- Identity verification
- Gnosis PaySumsubTria CardNot disclosed
- Programme operator
- Gnosis PayGnosis PayTria CardThreely Dimensions Inc.
Sources
2 fields- Official sources
- Gnosis Pay17Tria Card21
- Last reviewed
- Gnosis PayAug 6, 2026Tria CardAug 25, 2026
04 · The trade-off
Gnosis Pay is the stronger all-round choice
Gnosis Pay finishes ahead with an Overall Score of 77 versus 67 for Tria Card. Gnosis Pay has the lower starting plan cost ($0 vs $25/year). Tria Card has the higher published base cashback rate (1.5% vs 0%).
Tria Card still comes out ahead for Cashback and Funds control, which may matter more than the overall result if that is how you plan to use the card. Gnosis Pay and Tria Card use the same self-controlled wallet setup.
Gnosis Pay lists more stablecoins and ways to send money out (4 vs 3). 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 Tria Card reviews first.
Continue with
Gnosis Pay
Continue with
Tria Card
05 · Common questions
Gnosis Pay vs Tria FAQ
Is Gnosis Pay or Tria better overall?
Gnosis Pay has the higher Overall Score (77 vs 67). 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 Tria?
Gnosis Pay has the lower starting plan cost ($0 vs $25/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 Tria?
Tria Card has the higher published base cashback rate (1.5% 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 Tria differ on custody?
Gnosis Pay and Tria Card use the same self-controlled wallet setup.
How current is this Gnosis Pay vs Tria comparison?
The latest information check for these two cards was August 25, 2026, using 38 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.