Building the Open Internet

In an era where technology increasingly divides rather than unites, Gnosis stands at the intersection of possibility and purpose. What began as a prediction market in 2015 has evolved into the backbone of decentralized finance and now emerges as something far more revolutionary: the architect of a truly open internet. Gnosis3.0 represents our most audacious evolution yet—transforming theoretical Web3 promise into practical reality for everyday users. With our constellation of self-sovereign payment networks, user-issued digital currency (UIDC) like Circles—where individuals create money rooted in trust, not centralized Central Bank Digital Currencies (CBDCs) that lock control with institutions—and secure cross-chain infrastructure now deployed globally, we're not just challenging the financial status quo—we're systematically dismantling the barriers between blockchain's potential and humanity's financial freedom. The digital borders that once confined value and identity are falling, and in their place, a new economic paradigm rises—one where individuals, not institutions, define the rules of engagement.

As a vital part of the Ethereum ecosystem, Gnosis 3.0 embodies a guiding principle that resonates deeply with Ethereum’s ethos: cooperation without domination. In a world where power often dictates terms—leaving others to comply or face chaos—this principle is more critical than ever. For Ethereum to thrive as the world’s computer, it must foster enough trust for developers to confidently build atop it. Gnosis contributes to this vision by championing core values that ensure Ethereum remains a platform where innovation flourishes without centralized control.

Our North Star Values

At Gnosis, we're driven by values that transcend technology:

Financial and Digital Agency: Empowering individuals with open, accessible financial tools to make meaningful choices in their digital lives

Fairness: Ensuring every individual has an equal stake in shaping the economic landscape, free from centralized gatekeepers or unequal advantage

These values rest on an infrastructure that makes them possible:

Credible Neutrality: By serving all users equally without bias, this ensures fairness in access and opportunity while enabling agency through tools that don’t favor one group over another.

Censorship Resistance: Guaranteeing the freedom to transact and interact without interference protects agency by preserving individual choice and upholds fairness by preventing arbitrary exclusion.

Self-Sovereignty: Granting ownership and control over digital assets and identity empowers agency through autonomy and supports fairness by leveling the playing field, free from institutional overreach.

These aren't abstract ideals — they are the blueprint for every solution we build.

From Values to Reality: The Gnosis Ecosystem

Gnosis has evolved from a prediction market platform (Gnosis 1.0) to a cornerstone of Ethereum infrastructure (Gnosis 2.0). Today, we're embarking on our most ambitious phase yet: Gnosis 3.0 — a collective of aligned projects connected by the GNO token, focused on revolutionizing payments and financial infrastructure.

GnosisDAO

At the heart of our ecosystem is GnosisDAO, where we unlock the power of human collaboration. GnosisDAO embodies our commitment to decentralized governance:

Community-Driven Decision Making: Through our Forum, anyone can participate in shaping the future of Gnosis

Transparent Governance: Gnosis Improvement Proposals (GIPs) progress through open phases designed to refine and strengthen each idea

Token-Based Voting: GNO holders vote on proposals via Snapshot, with approved proposals automatically executed on-chain

Strategic Treasury Management: Our treasury, managed by karpatkey, is leveraged to drive long-term ecosystem growth

GNO serves as the cornerstone of our ecosystem, binding together governance, decentralization, and economic alignment. It empowers holders to vote on proposals, secures Gnosis Chain through staking, and aligns incentives across all portfolio projects.

Gnosis Chain: The Foundation of Our Vision

Gnosis Chain embodies our commitment to censorship resistance and credible neutrality through:

Decentralized Security: Powered by 300,000+ validators, many running nodes from their homes, creating a resilient network not dependent on centralized cloud providers

Accessibility: $0.0001 per 100K gas, making blockchain accessible to all — not just those who can afford high transaction fees

Community Governance: Ensuring the chain remains neutral through distributed decision-making through the GnosisDAO

Ethereum Compatibility: Extending, not replacing, the broader ecosystem

This isn't just infrastructure — it's the foundation for a new financial system that prioritizes individuals over institutions.

Our Product Ecosystem: Values in Action

Each Gnosis product translates our values into practical tools that improve everyday lives:

Gnosis Pay: The First Decentralized Payment Network

Gnosis Pay removes the barriers between traditional finance and decentralized finance, embodying our vision for financial sovereignty:

Self-Custodial Visa Debit Card: The world's first self-custodial Visa card, enabling spending of digital assets anywhere Visa is accepted

True Self-Custody: Funds are stored exclusively on Safe smart contracts operating on Gnosis Chain, never held by third parties

Financial Advantages: 0% FX spread (better than traditional fintech solutions) with up to 5% cashback

Developer Infrastructure: Permissionless APIs for seamless integration with wallets, DeFi platforms, and dApps

Global Expansion: Initially available in Europe and  Brazil, Argentina, Colombia, Mexico and other global markets

DeFi Composability: Enables innovative financial features like auto-recharge from staked assets, borrowing against stablecoins, and high-yield savings

Gnosis Pay proves that true financial sovereignty doesn’t require sacrificing convenience or global utility, seamlessly integrating tools like Zeal—the first self-custodial wallet letting you pay with DeFi while maintaining full control over your assets using Safe technology—and Picnic, a decentralized investment platform that simplifies digital asset investing via a smart wallet tied to your email, no intermediaries required. Together, they represent our commitment to building bridges between decentralized systems and everyday financial activities."

Circles: Democratizing Money Creation

Circles revolutionizes money by shattering centralized control, empowering every individual to issue their own currency and forging a decentralized economy built on trust, not gatekeepers.

Universal Access & Continuous Issuance: Every user creates their own CRC tokens at a fixed rate of 1 CRC per hour

Built-in Fairness: A 7% annual demurrage ensures that the right to create 1 CRC per day remains valuable in the future

Peer-Based Trust: In Circles, every user’s unique CRC tokens come alive through the bonds of real-life trust—friends, family, and neighbors weaving an organic, living web where value flows freely, proving that money isn’t just coins or code, but the social fabric of human connection.

Group Currencies: Communities can create explicit fungibility through Group tokens, allowing members to convert personal CRC to group tokens

Local Empowerment: Group currencies enable local trade, group lending, and broader acceptance while remaining integrated with the broader Circles network

Bridging Traditional Finance: Group-based trust facilitates smoother integration with existing financial systems and emerging DeFi applications

Through these mechanisms, Circles creates a truly user-centric currency where value flows through authentic social connections rather than centralized gatekeepers, embodying our commitment to financial self-sovereignty and community autonomy.

Metri: A New, Open Era of Money

Metri is the official Circles wallet, usable by anyone. It represents our vision for making payments, trust, and self-custody simple for everyone:

True Ownership: Users maintain full control of their assets without banks or intermediaries

Effortless Onboarding: Secure self-custody without the complexity of passwords or seed phrases

Everyday Usability: Seamless integration with Gnosis Pay for spending anywhere Visa® is accepted

Token Exchange: Easy swapping between USD, EUR, or GBP directly within the app via CoW Swap

Fast Transfers: Send assets anywhere, anytime

Circles Integration: Access to user-created CRC tokens tradeable within trust networks

This isn't just another wallet—it's a complete reimagining of what financial tools can be when designed for both security and everyday use.

Gnosis AI: The Schelling Point for AI Agents in Web3

Gnosis AI represents our vision for the future intersection of artificial intelligence and blockchain technology:

Agent-to-Agent Payments: Pioneering infrastructure for autonomous economic agents to transact directly

AI-Powered Prediction Markets: Developing specialized trading agents that enhance market efficiency and accuracy

Truth Oracles: Working toward markets that harness collective intelligence to forecast events and inform decision-making

Open Collaboration: Building in public with open-source repositories that welcome external contributions

We believe AI offers Gnosis Chain and the entire Gnosis ecosystem incredible opportunities. Already, we're seeing 10,000-20,000 weekly payment transactions from autonomous agents on Gnosis Chain, demonstrating the practical application of our infrastructure for the emerging AI economy.

Beyond Products: Building a New Financial Paradigm

The Gnosis ecosystem is greater than the sum of its parts. Together, our projects create a coherent vision of finance where individuals, not institutions, control the creation and flow of money. Communities define their own economic rules rather than accepting imposed systems. Value moves freely across networks without compromising security. Financial tools serve people rather than extracting from them. Human and machine intelligence collaborate to create more efficient and fair markets.

The Road Ahead: Building Bridges

Blockchain technology kicked off with Satoshi’s dream of peer-to-peer electronic cash, but mainstream adoption won’t hinge on tech alone—it demands systems that put human needs first. At Gnosis, we’ve staked our flag at the intersection of possibility and purpose, as we declared at the outset: building a truly open internet where technology unites rather than divides. Gnosis 3.0 is our bold leap toward that vision, closing the gap between blockchain’s raw potential and the everyday realities of millions.

We’re not just crafting financial infrastructure that functions—we’re building systems that live up to the North Star values we championed from the start: financial and digital agency to empower individual choice, and fairness to level the economic playing field. These aren’t buzzwords; they’re the DNA of everything we do, delivered through credible neutrality that serves all without bias, censorship resistance that safeguards freedom, and self-sovereignty that hands control back to people, not institutions. This is infrastructure that doesn’t just work technically—it works for humanity, dismantling digital borders and unlocking financial freedom, just as we set out to do.

As we look toward the future, we recognize that the key to scaling our product suite lies in building bridges between the Web3 ecosystem and the traditional financial system. This intersection is where the greatest value and largest number of people reside. By bringing these users into Web3 and providing access to powerful protocols that currently see limited organic usage, we create a pathway to widespread adoption.

The ultimate success of this approach will come when mainstream users don't even realize they're adopting blockchain technology — they simply recognize that the products they're using are fundamentally better than previous alternatives. Our suite of products — Gnosis Pay, Metri, Circles, and the infrastructure provided by Gnosis Chain— are designed with this seamless experience in mind.

The open internet isn't just about connections; it's about empowerment. It's not just about moving value; it's about creating value systems that reflect our highest aspirations for human autonomy and cooperation.

As we build this future together, our commitment remains unwavering: to create tools that expand what's possible, systems that respect what's human, and a financial landscape that serves everyone.

Onwards and upwards.

Gnosis: Building the Open Internet, One Block at a Time.