# 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.

## THE SHORT ANSWER

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.

## Same control. Less wallet work.

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.

| Topic | Fiber | Competitor | Takeaway |
| --- | --- | --- | --- |
| 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. |

## Fiber fit

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

## Gnosis Pay fit

- 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.

## FAQ

### 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.

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Fiber is a financial technology company, not a bank. Banking services are provided by SSB, Member FDIC. Funds deposited at SSB are eligible for FDIC insurance up to $250,000 per depositor, per insured bank, subject to applicable limitations and FDIC rules.