MONEY YOUR WAY

An app for money created by people. Not banks.
That even works with Visa.

+26K

Joined Already

Earn every day
Spend anywhere

Here´s how it works:

Create MONEY

1 unit, every hour you´re alive

Worth around €7.30 a month

No humans excluded

GROW REWARDS

Up to 5% card rewards

Earn by inviting friends

Build reputation to unlock more

SPEND & SUPPORT

Spend anywhere Visa is accepted

Spend on exclusive offers

Support your communities

Zero banks involved

BUILD THE
FUTURE WITH US

Invite friends, launch a community currency, build mini apps and host events.

MEET

10+

years experience
building financial products

$1T

+

in volume processed
by our technology.

100

+

team members
across the globe

116

K

followers
on X

Making money more empowering for humans.

26580

PEOPLE ARE ALREADY IN

Support your Communities

Group-only events. Members-only offers. Community votes.

Shop

Spend Circles on curated

products and services.

You’re in control

No algorithm or gatekeeper decides if you get access.

Get up to 5% card rewards

Earn CRC every time you use our Visa card to pay

How is this money different?

Circles is an open protocol where money is created by people, not banks, one hour at a time. 

No institution controls the supply. No algorithm decides who gets access. Your community sets the rules, and your reputation makes it work.

It fixes Bitcoin’s distribution issue and delivers peer-to-peer money.

FAQs

Is Gnosis app free?

How can I add money to my account?

How do card rewards work?

Can I send money to people outside of the app?

Where is my money stored?

How does Gnosis keep my funds safe?

Is Gnosis a bank?

What fees may I pay?

Last Updated: June 25, 2026 at 1:05 PM