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Furlpay vs Gnosis Pay
Gnosis Pay proved that self-custodial spending works: your funds live in a Safe smart account you control, not a company ledger. Furlpay keeps that custody model and extends it — multi-chain liquidity, integrated travel booking, AI-agent payments, and wallet discovery standards. Here's the honest side-by-side.
| Feature | Furlpay | Gnosis Pay |
|---|---|---|
| Custody Model | Safe + 2-of-2 MPC | Safe smart account |
| Chains | Arbitrum, Base, Solana, Polygon, Ethereum | Gnosis Chain |
| Checkout Fee | 0.5% flat | 0% on EURe (FX applies off-peg) |
| Stablecoin Coverage | USDC, USDT, EURC, PYUSD, DAI | EURe, GBPe |
| Travel Booking Escrows | Yes (Duffel + cNFT tickets) | No |
| AI Agent Payments (x402) | Yes — native HTTP 402 | No |
| Multi-Wallet Discovery | EIP-6963 + CAIP-294 | No |
| Cross-Chain Swaps | Li.Fi routing incl. Solana | No |
| Fractional Stocks | Yes (Alpaca) | No |
| Gas Model | Sponsored paymaster (USDC) | User pays Gnosis gas |
| Physical Card | Virtual Visa | Virtual + Physical Visa |
Same self-custody, more chains
Both products are genuinely self-custodial — your keys, your Safe. The difference is reach: Gnosis Pay is bound to Gnosis Chain, where on-chain stablecoin liquidity is thin. Furlpay routes across Arbitrum, Base, and Solana, where USDC depth actually lives, and bridges between them with Li.Fi in one tap.
An honest word on fees
Gnosis Pay's 0% on EURe spending is a real advantage for euro-denominated purchases — we won't pretend otherwise. Furlpay charges a flat 0.5% at checkout, and in exchange covers gas via a USDC paymaster, runs pre-flight balance checks so you never pay a decline fee, and pays 2% travel cashback. For dollar-denominated, multi-chain spending, the total cost usually favors Furlpay; for pure EUR card spending, Gnosis Pay is hard to beat.
Beyond card issuance
Gnosis Pay is card infrastructure — issuance, KYC, and Visa processing on top of Safe. Furlpay is a payments super-app: flights and stays booked into on-chain escrows with cNFT ticket receipts, x402 payments that let AI agents settle HTTP 402 paywalls without CAPTCHAs, and an extension that announces itself to every dapp via EIP-6963 and CAIP-294.
Self-custody without the single-chain limit
Keep your keys. Spend on every chain that matters.