In March 2024, we set out a bold new vision for Gnosis.

Now, in a world where banks and neobanks are rapidly adopting crypto, and new “on-chain neobanks” pop up every week, we’re here to build what comes after banks. Financial products that are more rewarding, for more people. True to the original vision of blockchain.

We are not here to rebuild the status quo on-chain. 

“We’re building products that millions of people can trust and control. This was never about the tech for its own sake. It’s about giving people real ownership. Power to you, not from you.”  

Martin Köppelmann  Co‑founder, Gnosis

The Next Phase at Gnosis

Gnosis is the home of a more empowering and disruptive future of finance. 

We support the builders of what comes after banks: more sovereign and user-empowered financial products. We can provide everything they need, from plug-and-play card infra, compliance tooling, and aggregated on and off ramps (Gnosis Pay) to an ecosystem of the world’s stablecoins, low-risk DeFi, and an OG chain (Gnosis Chain).

And we’re using the same suite to launch a consumer finance product that will do for cooperative finance, what Neobanks did for TradFi.

This product will be our flagship - simply known as the Gnosis App. And it’s a new type of money app that is based on collective ownership, instead of extractive ownership. Where you earn more rewards because you’re an owner in the stack. All with easy consumer-friendly UX

“We did not build open infrastructure so it could disappear behind closed platforms. We built it so people could own the value they create. With the new Gnosis App and Circles, we are taking a principled swing at the status quo: effortless self-custody, rewards that introduce better money, and rails that stay credibly neutral at scale.

Ownership should not be a power-user feature. It should be the default.”

Friederike Ernst  Co‑founder, Gnosis

Why We’re Doing This Now

Since 2015, Gnosis has shipped some of crypto’s most trusted building blocks - including products like Safe and CoW Protocol. We advanced many of the things that now make mainstream adoption possible.

But we’ve reached a fork in the road. 

Because if values-driven projects like Gnosis do not step up to compete for mass adoption, incumbents will use blockchain as a backend upgrade, while keeping their extractive business models intact. New entities will “win” but it will change nothing but the tech stack.

We’re entering the arena to ensure that open systems are also the most usable systems. 

The winning play is to ship the “must have” experience while embedding the values in our architecture: self‑custody, open rails, and user-agency by default. Freedom that is built into the foundation, within a product that leads with usability, speed, and rewards. 

Values and technology, all under the hood.

Gnosis App: Because Owners Always Get More

We are not a bank. We’re not putting old finance on new rails. 

We are building an app that lets you retain control of your money. You can spend, save, and earn more rewards because you’re an owner in the stack. And owners always get more. 

There is no banker’s “take” and profits flow to you, and not from you.

Delivering this with a frictionless UX is made possible by the Gnosis stack, from Gnosis Chain to Gnosis Pay. It feels familiar, but the foundation is different - using account abstraction, advanced cryptography, and self‑custody by default.

We’re exploring rewards programs that include:

• Up to 5% cashback on eligible card spending.

• Zero FX fees on international card spends.

• Seamless UX with smart recovery, and secure, keyless flows.

• Ownership of your money and your keys, on transparent, open rails.

“A decade of shipping infrastructure taught us a hard truth: open rails only matter if real people use them every day. That’s why we’re moving from building blocks to finished products. 

Gnosis App is how we compete in the open, by delivering the polish people expect, with no loss of sovereignty. The race is on: either convenient, closed systems win, or usable, open systems do. We’re here to make sure decentralized values win where it counts, in people’s hands.”

Stefan George Co‑founder, Gnosis

Gnosis Pay and Gnosis Chain: Empowering the Next Disruptors

If you want to build a new paradigm of financial products, let’s talk.

With Gnosis Pay you can ship a stablecoin card program in minutes, enabling people to spend crypto wherever visa is accepted. It locks into shared KYC and compliance systems as well as aggregated on and off ramps that make it easy for your users to use.

If you choose to build on Gnosis Chain you don’t just get an EVM sidechain that has zero downtime in over 7 years, you also join a thriving ecosystem of consumer-ready DeFi with projects like Aave, and an expanding network of the world’s stablecoins. 

Stablecoins choose Gnosis Chain because it’s where they can get used, and not just listed. This includes partner organisations like Safe, kpk, Gnosis Pay, and many others. 

If you’re a wallet builder or stablecoin issuer, please get in touch and let’s build the future of finance together.

The Role of Circles: Rethinking Money

Our long‑running experiment in trust-based money is at the heart of our consumer app.

We use Circles as a reward currency with unique added benefits. But it is also a gateway to a different kind of value network. Most apps offer points. We offer a working system for how money should work within communities.

For many, Circles will simply mean better rewards. For the curious, it is an open invitation to explore new ways to create and use “money”.

The Gnosis Brand: An Evolution in Principled Disruption

Our brand is evolving to meet this moment. 

We’re moving away from a visual identity that was focused on values and infrastructure into an identity that translates these values and strengths into something more disruptive and consumer-centric. And we’re unifying all of our products behind this so that brand equity compounds more consistently over time. 

We’re inviting the curious, the contrarians, and the next generation of digital owners to join a community built on a simple truth: the value you create should accrue to you.

After a decade building trusted products and infrastructure, we’re putting it in people’s hands.

Gnosis App is launching soon. 

Fork banks.

Bank on Gnosis.