Phantom Cash vs Gnosis Pay
On cashback Gnosis Pay wins (up to 5%, but the full rate requires Richiesto staking/holding del token); for spending abroad FX markup matters, and Gnosis Pay does better (0% vs 1%). In short: Phantom Cash if your usage matches its strength, Gnosis Pay otherwise — the numbers above beat any slogan.
| Phantom Cash | Gnosis Pay | |
|---|---|---|
| Tier | A | B |
| Rating | ★ 4.6 | ★ 4.2 |
| Estimated net annual cost | €0 | €0 |
| Network | Visa | Visa |
| Fund custody | Self-custody (funds in your control) | Self-custody (funds in your control) |
| Issuance fee | Free | €30 |
| Annual fee | Free | Free |
| Free ATM limit | N/A (solo prepaid) | No ATM available |
| ATM withdrawal | Free | Free |
| FX markup | 1% | 0% |
| Cashback | Not disclosed | 5% in GNO · Richiesto staking/holding del token |
| Chains | Solana | Gnosis Chain |
| On-chain settlement | Yes | Yes |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Light | Full |
| Privacy | 8/10 | 6/10 |
| Supported countries | US · 1+ countries | EEA, UK, LATAM · 35+ countries |
| Regulator | Stripe partner bank (OCC/FDIC); FinCEN / state MSB regulators | UK FCA; Bank of Lithuania |
| OAM Italy registration | No | — |
| Segment | B2C | B2C |
| Past incidents | August 2022: an exploit of ~8,000 Solana wallets (~$8M) caused by the third-party Slope Wallet library, not by Phantom; Phantom urged users to migrate their seed phrases. | — |
| Funding / solidity | — | $100B+ in asset gestiti su Safe · zero incidenti di sicurezza |
| Regions | US | EU/EEA, UK, LATAM |
| Licences & safety | Stripe Issuing / BIN sponsor (partner bank model) | MiCA |
Frequently asked questions
Phantom Cash vs Gnosis Pay: which is better?
On cashback Gnosis Pay wins (up to 5%, but the full rate requires Richiesto staking/holding del token); for spending abroad FX markup matters, and Gnosis Pay does better (0% vs 1%). In short: Phantom Cash if your usage matches its strength, Gnosis Pay otherwise — the numbers above beat any slogan.
Which is cheaper, Phantom Cash or Gnosis Pay?
On the standard spending profile Phantom Cash has the lowest net annual cost: €0 versus €0 for Gnosis Pay.
Which offers more cashback, Phantom Cash or Gnosis Pay?
Gnosis Pay has the highest cashback: up to 5%. Note the top rate often requires token staking and is subject to spending caps.
Is Phantom Cash custodial or self-custody?
Phantom Cash is self-custody: you keep the keys, while Gnosis Pay is self-custody.
Which is better for spending abroad?
For foreign-currency spending Gnosis Pay wins, with the lowest FX markup: 0%.