GP Account

Understanding Gnosis Pay V2 account architecture and modules

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.

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

V2 Architecture Changes

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

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.

Multi-Currency Support

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

Module Configurations:

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.

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.

Account details for authenticated user

To get authenticated user account details, call GET /user/account

Sandbox

curl --request GET \
  --url https://gp-auth-module.sandbox.gnosispay.in/user/account

Production

curl --request GET \
  --url https://gp-auth-module.prod.gnosispay.com/user/account

This will return configuration of user account including chain name, configured currencies, safe owner address etc.

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:

Balance Type	Description	Increases When	Decreases When
Spendable	Amount available for immediate spending via card transactions or withdrawals	• Deposits clear AML analysis • Refunds are processed • Returns of goods are credited	• Card transactions are authorized • Withdrawals are initiated
Non-Spendable	Funds that cannot be used for spending. Flagged for review or potential return	• Dependent on AML checks	• Funds are returned to source • Funds are manually released after review
Processing Deposits	Incoming deposits currently undergoing AML analysis. Not yet available for spending	• New deposit is received	• AML analysis completes (moves to spendable or non-spendable)
Processing Withdrawals	Outgoing withdrawals currently being processed. Deducted from spendable but not yet settled on-chain	• Withdrawal is initiated	• Withdrawal settles on-chain

Get Account Balances

To request the account balance of the user, call GET /user/balances/v2

Sandbox

curl --request GET \
  --url https://gp-auth-module.sandbox.gnosispay.in/user/balances/v2

Production

curl --request GET \
  --url https://gp-auth-module.prod.gnosispay.com/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.