> ## Documentation Index
> Fetch the complete documentation index at: https://gnosispay-feat-v2-auth-module.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# GP V1 vs V2 Comparison

> Overview of the differences between GP V1 and V2 infra

| Feature                           | V1                                                                                                 | V2                                                                                                       |
| --------------------------------- | -------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------- |
| **SIWE Authentication**           | Long-lived access token (24h)                                                                      | Access token (15 min validity) and refresh token model (7 days validity) with rotation support           |
| **Refunds and Reversals**         | Refunds and reversals processed after 1 business day                                               | Refunds and Reversals instantly processed right after clearing message.                                  |
| **KYC Verification**              | Dependent on Gnosis Pay to complete KYC and gnosis pay shares KYC to partners                      | KYC can performed by Partners and shared with Gnosis Pay                                                 |
| **Safe Deployment**               | Dedicated Safe deployment endpoint                                                                 | Single `/account` endpoint handling provisioning + creation                                              |
| **Token Management**              | Limited support for single token currency                                                          | Multi-currency support with different balance states                                                     |
| **Account Balances**              | Includes spendable, non-spendable and total balance.                                               | Detailed breakdown of balances including spendable, authorized holds, non-spendable, processing deposits |
| **Withdrawals**                   | Withdrawals subject to delay module                                                                | Instant withdrawals bypassing delay module                                                               |
| **Daily Onchain Spending Limits** | Set by user, requires an onchain signature                                                         | Hardcoded at \$20,000 daily limit (2x card limit buffer), no signatures required                         |
| **Delay Module Configuration**    | 3-minute delay, 30-minute expiration                                                               | 25-hour delay, 31-hour expiration (discourages usage)                                                    |
| **Transactions**                  | Separated by card transaction and onchain transactions,onchain transactions only available via RPC | Unified account-statement endpoint showing deposits, withdrawals, and card transactions                  |