Fiber vs Gnosis Pay

A private account or a transparent on-chain card?Gnosis Pay is a non-custodial Visa built around a dedicated Safe. Fiber focuses on a different job: one familiar account for getting paid, using earn and accessing supported markets.

Start using Fiber

Both keep core assets under user control. Our difference is usability: we turn that control into a complete account rather than a dedicated spending Safe.

Same control. Less wallet work.

What matters	Fiber	Gnosis Pay	Decision note
Asset control	We are non-custodial and cannot access your assets, while keeping keys and wallet machinery out of the everyday workflow.	Non-custodial. Funds remain in a dedicated Gnosis Safe with card permissions managed by smart-contract modules.	Both preserve user control through different wallet architectures.
On-chain activity	We shield supported on-chain transfers, trades and earn activity using zero-knowledge proofs.	Gnosis Pay presents its Safe-based on-chain records and transparency as core features.	Compare the privacy of supported on-chain activity, separately from account security.
Product scope	We combine eligible US account rails, earn, private transfers and supported 24/7 tokenized markets in one account.	A card-first system for spending stablecoins directly from a Safe, with DeFi and on/off-ramp integrations.	We built the broader daily financial account; Gnosis Pay is the more focused payment product.
Markets and earn	We include live earn plus supported tokenized stocks, commodities and crypto with 0% Fiber trading fees.	Gnosis Pay documents DeFi protocol integrations but positions the consumer product primarily around payments.	We turn the wallet into an account for more than spending.
Incoming money	We provide eligible US account details for ACH and domestic wires with 0% Fiber deposit fees.	Gnosis Pay documents partner on/off-ramps and IBAN functionality in supported regions.	The strongest rail depends on where you live and how you get paid.

Choose Fiber if

You want non-custodial control without operating a dedicated Safe.
You want the ease of a neobank while your assets remain yours.

Gnosis Pay may be the better fit if

You want a dedicated Safe-based spending wallet.
You value on-chain payment transparency and an open direct-withdrawal path.
GNO-linked card rewards are central to your decision.

Gnosis Pay is a focused spending product for existing wallet users. Fiber focuses on incoming payment rails, live earn, supported private activity and markets in a non-custodial account.

Questions people ask

Are Fiber and Gnosis Pay both non-custodial?

Yes. Both products keep asset control with the user; Fiber describes this as non-custodial. We differentiate on account scope, not custody. Regulated services can still require identity checks.

Why is Fiber more private?

We shield supported transfers, trades and earn activity with zero-knowledge proofs, while Gnosis Pay emphasizes transparent Safe activity. Compare these on-chain models separately from payment-provider data practices.

Sources and freshness

Last reviewed: July 23, 2026

Competitor facts come from the company’s own public materials. Product availability, rates and fees can change; verify current terms before deciding.

01
What is Gnosis Pay?
User control, Safe wallet, Visa and on-chain payment model.
Open source
02
Gnosis Pay Card
Card, Apple Pay, fees, cashback and current availability.
Open source
03
Gnosis Pay custody model
Safe modules, user control and KYC boundary.
Open source

Comparison prepared by Fiber. Competitor names and trademarks belong to their respective owners. This is product information, not financial advice.

Choose Fiber for non-custodial control that feels like a neobank. Choose Gnosis Pay if you specifically want a Safe-based spending wallet, on-chain transparency and GNO-linked rewards.

Start using Fiber