Head to head
Bleap vs Gnosis Pay
Gnosis Pay is shutting down its consumer card on December 20, 2026, so this is no longer a real choice. Bleap is the closest replacement: self-custodial, 0% FX, EEA coverage, and cashback in USDC instead of GNO.
| Feature | Bleap | Gnosis Pay |
|---|---|---|
| Our score | 8.3 / 10 | Delisted |
| Card type | Debit | Debit |
| Custody | Self-custody | Self-custody |
| Cashback | 1% · 3% · 20% categories | Ended Sep 30, 2026 |
| Paid in | USDC | GNO |
| Annual fee | $0 | €30 once |
| FX fee | 0% | 0% |
| Availability | EEA · Switzerland | Card ends Dec 20, 2026 |
| Net value, eurozone* | +€180/yr | — (shutting down) |
| Net value, Romania* | +€180/yr | — (shutting down) |
*At €1,500 a month with a typical foreign-currency share for each place (10% in the eurozone, 85% in Romania, where local lei spending counts as foreign currency). Run your own numbers.
Who wins at €500, €1,500 and €3,000 a month
Net value per year from the same calculator that powers the country pages: cashback minus FX, conversion and annual fees, with €1,000 kept on the platform for balance-based cards. Category bonuses and promotions are not counted.
| Scenario | Bleap | Gnosis Pay |
|---|---|---|
| Eurozone, 10% foreign · €500/mo | +€60 | — |
| Eurozone, 10% foreign · €1,500/mo | +€180 | — |
| Eurozone, 10% foreign · €3,000/mo | +€360 | — |
| Romania, 85% foreign · €500/mo | +€60 | — |
| Romania, 85% foreign · €1,500/mo | +€180 | — |
| Romania, 85% foreign · €3,000/mo | +€360 | — |
Where the difference comes from
Gnosis Pay’s consumer card stops at 23:59 UTC on December 20, 2026, and its GNO cashback ended on September 30, so the comparison is really about what replaces it. Bleap is the same shape of product: a self-custodial Mastercard on a smart-contract wallet, 0% FX, EEA coverage plus Switzerland, and cashback paid in USDC rather than a house token. It also holds a MiCA licence, which Gnosis Pay’s programme ran without.
What Bleap does not replace is the EUR IBAN that Gnosis Pay users had through Monerium. Bleap supports bank top-ups but is not a bank-account substitute; for the IBAN use case, look at Krak. Funds in your Gnosis Safe stay accessible after the shutdown with no deadline, so there is no rush to move balances, only to have a working card before December 20. Our Gnosis Pay guide covers the migration steps.
Choose Bleap if…
you need a working self-custody card after December 2026.
Choose Gnosis Pay if…
you only need to spend down an existing balance before the shutdown.