We compare Gnosis Pay and Plasma One side by side: fees, cashback, custody, KYC and country availability, with verified data.
PO Plasma One Official siteThe stablecoin neobank on its own L1: free 2% cashback tier plus yield on idle dollars. | ||
|---|---|---|
| Tier | A-Tier - Strong picks | A-Tier - Strong picks |
| Type | Crypto card | Neobank / money app |
| Network | Visa | Visa |
| Custody | Self-custody | Self-custody |
| KYC | Required | Required |
| Card forms | Virtual + Physical | Virtual + Physical |
| Fund with | Crypto, Stablecoins | Stablecoins |
| Monthly fee | $0 monthly fee | Lite tier free; Core $120/yr or 20,000 XPL locked; Platinum requires 100,000 XPL locked |
| Issuance | Virtual card free; physical card has a small one-time cost depending on region | Virtual card free on Lite |
| FX | No Gnosis fee on top of the Visa rate when spending in your card currency | No Plasma fees; partner FX/withdrawal fees shown in-app before confirming |
| ATM | ATM withdrawals supported with limits; operator fees may apply | Partner fees apply; disclosed in-app |
| Cashback | 1% - 5% (GNO) | 2% - 4% (XPL (weekly)) |
| Regions | Europe, Latin America | Global, Latin America, Asia-Pacific, Europe |
| Availability | EEA (EU, Iceland, Norway), Switzerland, UK and Brazil, with more countries on the roadmap. | 166 countries as of July 2026; launched publicly in June 2026. |
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