Gnosis Pay

Payment Rail Open Source

Best for: Agents needing a real Visa debit card linked to a self-custodial smart account; bridge between DeFi and real-world spending

Not ideal for: Non-EVM chains; purely on-chain operations; enterprise with compliance requirements

Key Signals

Card Type

Self-custodial Visa debit

Chain

EVM (Gnosis Chain)

Wallet

Safe smart account

Pricing

Free to use (card fees apply)

Features

💳

Self-Custodial Visa Debit Card

A real Visa debit card whose funds stay in a self-custodial Safe smart account until the moment of payment. Unlike custodial cards, no third party holds your agent's funds — the card settles directly from the on-chain account.

🔐

Linked to Safe Smart Account

The Gnosis Pay card is backed by a Safe (formerly Gnosis Safe) multisig smart account. AI agents with signing authority on the Safe can programmatically approve transactions, enabling multi-party authorization for high-value agent spending.

⛓️

Gnosis Chain (xDAI / USDC)

Operates on Gnosis Chain, an EVM-compatible network with low fees and fast finality. Supports xDAI and USDC as spending currencies, converting to local fiat at point-of-sale via Visa's settlement network.

🏪

Real-world Merchant Acceptance

Works at any merchant that accepts Visa, bridging on-chain DeFi funds with the offline world. Agents can book flights, pay contractors, purchase SaaS subscriptions, and handle any real-world expense from a self-custodial wallet.

Ratings

Self-custody

4.8

Real-world Spending

4.5

Chain Coverage

3.0

Ease of Setup

3.5

Ratings based on documentation review, GitHub activity, and public developer reports. Not independently verified in production.

Integration

npm install @safe-global/protocol-kit @safe-global/api-kit

import SafeApiKit from '@safe-global/api-kit';
import Safe from '@safe-global/protocol-kit';
import { parseEther } from 'viem';

// Initialize Safe SDK connected to the Gnosis Pay-linked Safe
const protocolKit = await Safe.init({
  provider:       'https://rpc.gnosis.gateway.fm',
  signer:         process.env.AGENT_PRIVATE_KEY,
  safeAddress:    '0xYOUR_GNOSIS_PAY_SAFE_ADDRESS',
});

// Check spendable balance (USDC on Gnosis Chain)
const balances = await protocolKit.getBalances();

// Fund the Safe (top up the card balance from agent holdings)
const safeTransaction = await protocolKit.createTransaction({
  transactions: [{
    to:    '0xUSDC_CONTRACT_GNOSIS_CHAIN',
    value: '0',
    data:  encodeTransferData('0xYOUR_SAFE', parseEther('100')),
  }],
});

const signedTx = await protocolKit.signTransaction(safeTransaction);
const result   = await protocolKit.executeTransaction(signedTx);
// Card balance auto-reflects on-chain balance — ready for real-world spend
        

Alternatives

Visa Intelligent Commerce

Enterprise-grade Visa card payments — better compliance and controls but requires enterprise contract

→

Mastercard Agent Pay

Enterprise Mastercard alternative — similar real-world acceptance with institutional guardrails

→

Coinbase AgentKit MCP

On-chain only — better for pure DeFi operations without needing a real-world card

→