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Gnosis Pay 💳
@gnosispay
Stablecoin card programs for fintech, wallets, and neobanks.
Joined March 2023
- A wallet ships a spending account. Savings takes another year. Lending, the year after that. Each product is its own licensed counterparty, integration and compliance review. None of it runs in parallel, because each one is a separate commercial and regulatory relationship. That
- Holding a balance is something users check. Spending one is something they do. That gap is the case for issuing a card. Top-ups, balance checks, transaction reviews: sessions you no longer have to pay to acquire. You keep the interchange. The program runs underneath it. In the
- What sits between a card program on a roadmap and a card in a customer's hand: 🏦 Issuing BIN sponsorship, scheme membership, an issuing bank, an issuer processor 🛡️ Compliance KYC and KYB, AML and fraud monitoring, sanctions and PEP screening, 3DS ⚙️ Daily operations
- Running a card program often means holding customer balances. Pooled funds, float, safeguarding obligations. @gnosispay works the other way. Funds stay in a safe the cardholder owns, with limits and a delay window enforced on-chain. You issue the card. You never hold the
