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Gnosis Pay’s on-chain infrastructure is built on top of the Safe protocol, providing a secure and programmable foundation for digital payments. Each user receives a unique Safe account that acts as their on-chain wallet, with additional modules that enable spending limits, time delays, and delegated spending capabilities.

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Architecture Overview

The Gnosis Pay Safe consists of a core Safe account with three main modules:
  • Core Safe Account: The base Safe wallet that holds funds and processes transactions
  • Delay Module: Controls transaction timing and provides security delays
  • Roles Module: Manages spending permissions and allowance limits

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V2 Architecture Changes

Gnosis Pay V2 maintains the same Safe wallet structure with delay and roles modules, but implements key behavioral improvements:

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Instant Withdrawals

Withdrawals from the Gnosis Pay Safe reduce the spendable balance immediately to avoid double spending and then sync with the on-chain balance. During this process, the card is not blocked from operations.

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Multi-Currency Support

The Roles module now supports multi-token configurations so that users can spend different currencies via their spending safe.

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Module Configurations:

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Delay Module Settings

  • Transaction delay: 25 hours
  • Transaction expiration: 31 hours
These extended timeouts are designed to discourage direct delay module interaction. Failed transactions require the full expiration period before they can be skipped.

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Daily Spending Limits

The maximum daily card spend limit is $10K per token. The Roles module enforces a hardcoded on-chain limit of $20K per token, twice the card limit. This buffer exists because card clearing and settlement can take 1–4 days after a transaction, and the higher on-chain limit ensures uninterrupted card operations over that window without requiring any additional user signatures.
Any interaction with the delay module will block the card and require customer support intervention to resolve the issue.

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Account details for authenticated user

To get authenticated user account details, call GET /user/account
This will return configuration of user account including chain name, configured currencies, safe owner address etc.

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Account balances for authenticated user

Gnosis Pay V2 provides detailed balance breakdowns to give users complete visibility into their fund status. The authenticated user’s account displays four distinct balance types:

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Get Account Balances

To request the account balance of the user, call GET /user/balances/v2
Each currency maintains its own separate balance states. For example, USDC and USDT will each have their own spendable, non-spendable, processing deposits, and processing withdrawals amounts.