# Gnosis Ltd
*Also known as Gnosis*

- Website: https://gnosis.io
- Location: Gibraltar, Gibraltar
- Agent profile: https://directory.haycion.ai/agents/gnosis-io

> Gnosis is a full-stack Web3 ecosystem enabling self-custodial finance and everyday payments through open, community-owned infrastructure.

Gnosis is a full-stack Web3 ecosystem that bridges decentralized technology with everyday finance. Founded in 2015, Gnosis seeks to empower every person with greater financial agency and access while supporting an open, collectively-owned financial system that benefits all. The organization focuses on enabling self-custodial wallets, interoperable money movements, and developer-friendly infrastructure to make digital assets and payments more accessible across networks.

**Mission:** Gnosis’ mission is to empower every person with greater financial agency and access, while supporting the creation of an open and collectively-owned financial system that benefits all.

## Products & Services

### [Gnosis App](https://www.gnosis.io/app)
*Platform*
Empower your money management with a self-custodial wallet and instant payments in Gnosis App.

- **Self-Custody Wallet** — Maintain Full Control Over Funds
- **EU IBAN via Monerium** — Receive Euros Easily
- **Passkey-Based Sign-In** — Access Securely With Face ID
- **EU Euro Stablecoin (EURe)** — Holds EURe For Seamless Transactions
- **Security Features** — Monitor Transactions For Safety
- **Recovery Options** — Easily Restore Access
- **Visa Card for EU/EEA** — Spend Easily Anywhere

### [Gnosis Pay](https://www.gnosis.io/pay)
*Platform*
Enable instant card issuance and multi-currency accounts with Gnosis Pay.

- **Global Corridors and Local Rails** — Facilitate Global Payments
- **KYC/AML and Regulatory Readiness** — Ensure Compliance
- **Merchant Settlement via Visa** — Enable Real-Time Settlements
- **Multi-Currency Accounts and Fiat Rails** — Manage Multiple Currencies
- **One API to Connect Everything** — Simplify Integration
- **Unified Card Program Infrastructure** — Launch Customized Card Programs
- **Self-Custody Integration** — Empower User Control

### [MiniPay Card](https://minipay.to/virtual-card)
*Product*
Spend stablecoins globally with the MiniPay Card powered by Gnosis Pay.

- **Apple Pay and Google Pay Support** — Enable Tap Payments
- **Self-Custody Until Spending** — Maintain Control
- **Visa Card Spending** — Spend Anywhere
- **Global Availability** — Access Global Markets
- **Real-Time Merchant Settlement** — Instant Settlements
- **Program Manager by Gnosis Pay** — Leverage Gnosis Expertise
- **Rewards in Digital Assets** — Earn Digital Rewards

### [Circles](https://aboutcircles.com)
*Platform*
Empower communities with a user-governed currency and rewards system.

- **Circles Token Distribution** — Receive Tokens Hourly
- **Community Governance** — Influence Community Decisions
- **Community Currency Launch** — Launch Community Currency
- **Member Benefits and Events** — Access Exclusive Offers

### [Gnosis Chain](https://www.gnosis.io/chain)
*Platform*
Gnosis Chain connects stablecoins and traditional finance with innovative DeFi solutions.

- **DAO Governance and Staking** — Participate In Governance
- **Fiat On/Off Ramps and Local Corridors** — Access Seamless Fiat Integration
- **Stablecoins Network** — Utilize Local Currency Stablecoins
- **Interoperability with EVM** — Integrate Easily With DeFi
- **Validator Rewards** — Earn Staking Rewards

### [Gnosis Ventures](https://www.gnosis.io/ventures)
*Service*
Empowers over 80 innovative startups through strategic funding.

- **Focus on Infrastructure and Rails** — Support Decentralized Infrastructure
- **Early-Stage Investments** — Back More Than 80 Startups
- **Portfolio Highlights** — Invested in Safe and CoW Swap

## Market Segments

- **Tokenized community currencies** (market size $200M, CAGR 20%): Capabilities to create, distribute, and govern community-issued tokens for local economic coordination, membership rewards, and participatory governance.
- **Self-custodial smart wallets** (market size $4.1B, CAGR 17.8%): Wallets that provide passkey-based authentication, seedless recovery, on-chain asset custody, and fraud-monitoring for end users.
- **Payment processing and card issuing** (market size $150.0B, CAGR 11.5%): Card issuing and payment processing infrastructure including instant issuance, 3D Secure, settlement, money transfers and value‑added payment services.
- **Fiat-Crypto On-Ramp and Off-Ramp** (market size $8.0B, CAGR 22.5%): Services that provide fiat-to-crypto and crypto-to-fiat conversion, liquidity and compliance-aware rails via API for businesses and consumer flows.
- **Blockchain venture capital** (market size $20.0B, CAGR 10%): Early-stage investment and strategic support for projects building decentralized infrastructure, real-world asset tokenization, and financial rails.