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Sehingga 3 September 2026, Program Pulangan Tunai Perantara Gnosis Pay menghubungkan GNO yang disimpan dalam Peti Deposit Keselamatan Kad dengan kadar pulangan tunai dan perbelanjaan maksimum yang layak menerima ganjaran mingguan. Titik rujukan yang diterbitkan bermula dari 0.1 GNO pada pulangan tunai asas 1% dan had mingguan $250 kepada 100 GNO pada 4% dan had $1,250. Program ini dijadualkan sehingga 30 September 2026.
Kesimpulan Utama
- Pulangan tunai adalah antara 1% hingga 4%, atau sehingga 5% dengan OG NFT yang layak.
- Had perbelanjaan mingguan yang layak menerima ganjaran adalah antara $250 hingga $1,250.
- Baki GNO terendah anda dari Ahad hingga Sabtu menentukan ganjaran anda.
- Had pulangan tunai adalah berasingan daripada had perbelanjaan harian kad.
- Program semasa dijadualkan sehingga 30 September 2026.
Ganjaran Gnosis Pay Sepintas Lalu
Gnosis Pay menawarkan pulangan tunai asas sehingga 4%, atau sehingga 5% dengan bonus OG NFT, di bawah Program Pulangan Tunai Perantara .
| GNO diadakan | Kadar asas | Kadar dengan OG NFT | Had perbelanjaan mingguan yang layak | Ganjaran asas mingguan maksimum | Maksimum dengan OG |
|---|---|---|---|---|---|
| 0.1 GNO | 1% | 2% | $250 | $2.50 | $5 |
| 1 GNO | 2% | 3% | $375 | $7.50 | $11.25 |
| 10 GNO | 3% | 4% | $500 | $15 | $20 |
| 100 GNO | 4% | 5% | $1,250 | $50 | $62.50 |
Ini adalah empat titik ambang/rujukan yang diterbitkan yang ditunjukkan oleh Gnosis Pay, bukan empat jalur tegar untuk setiap baki. Halaman rasmi menyatakan skala kadar pulangan tunai dan had perbelanjaan yang layak secara linear antara keduanya, jadi nilai perantaraan yang tidak diterbitkan tidak dikira di sini.
Tahap Ganjaran Gnosis Pay dan Keperluan Pemegangan GNO
Baki GNO dalam Peti Deposit Keselamatan Kad Gnosis Pay mempengaruhi kadar pulangan tunai dan perbelanjaan mingguan maksimum yang layak. NFT OG menambah 1 mata peratusan kepada kadar yang berkenaan apabila Peti Deposit Keselamatan juga menyimpan sekurang-kurangnya 0.1 GNO.
0.1 Peringkat GNO
Pada 0.1 GNO, kadar asas yang diterbitkan ialah 1% dan had perbelanjaan layak mingguan ialah $250. Menggunakan had penuh menghasilkan pulangan tunai asas sehingga $2.50 atau $5 dengan kadar OG NFT 2%.
1 Peringkat GNO
Pada 1 GNO, kadar asas ialah 2% dan had perbelanjaan yang layak ialah $375. Pulangan tunai mingguan maksimum ialah $7.50 asas atau $11.25 dengan kadar OG NFT 3%.
10 Peringkat GNO
Pada 10 GNO, kadar asas ialah 3% dan had mingguan ialah $500. Menggunakan had penuh menghasilkan pulangan tunai asas sehingga $15 atau $20 dengan kadar OG NFT 4%.
100 Peringkat GNO
Pada 100 GNO, kadar yang diterbitkan ialah 4% dengan had perbelanjaan layak mingguan sebanyak $1,250. Pulangan tunai mingguan maksimum ialah asas $50 atau $62.50 pada 5% dengan OG NFT.
Bagaimana Had Perbelanjaan Mingguan Berfungsi
Had perbelanjaan mingguan ialah had kelayakan pulangan tunai , bukan had perbelanjaan kad umum. Ia mengawal berapa banyak perbelanjaan yang layak boleh memperoleh ganjaran dalam satu minggu ganjaran.
Pada titik rujukan 10 GNO, sebagai contoh, hanya $500 pertama perbelanjaan mingguan yang layak sahaja yang boleh mendapat pulangan tunai. Pembelian tambahan mungkin masih merupakan transaksi kad yang sah tetapi tidak meningkatkan ganjaran minggu tersebut.
Apabila Penutup Ditetapkan Semula
Had perbelanjaan yang layak ditetapkan semula setiap Ahad jam 00:00 UTC di bawah peraturan program semasa .
Apa yang Berlaku Selepas Anda Mencapai Topi
After eligible spending reaches the applicable weekly cap, further eligible purchases stop generating additional cashback for that reward week. Reaching the rewards cap does not block the card itself.
Does Unused Spending Allowance Roll Over?
No. Unused eligible-spend allowance expires when the reward week ends.
If the cap is $500 and only $300 of eligible spending clears, the unused $200 does not increase the next week’s cap.
Gnosis Pay Spending Cap vs Daily Card Spending Limit
The $250 to $1,250 rewards figures are weekly cashback-eligible spending caps. They determine how much spending can earn rewards; they do not limit total card spending.
Separately, Gnosis Pay lists a card limit of 8,000 EURe/GBPe/USDCe over a rolling 24-hour period and 5,000 EURe/GBPe/USDCe per transaction in its card fees and limits guide.
A user can therefore exceed the weekly cashback cap while remaining within the card’s transaction limits. The extra spending may still go through, but it will not generate additional cashback for that reward week.
How GNO Holdings Are Measured
The lowest GNO balance during the Sunday-to-Saturday measurement period governs the applicable cashback rate and eligible-spend cap. The balance at payout time alone does not determine the week’s reward.
The Lowest-Balance Rule
If the GNO balance drops during the week, that lower balance can reduce the rate and cap applied to the reward week. Restoring the balance later does not erase the earlier low point.
Sunday-to-Saturday Snapshot
The measurement period runs from Sunday through Saturday in UTC. Gnosis Pay uses the lowest GNO balance observed during that period, while its rewards API documentation exposes the resulting reward information such as the applicable cashback rate.
Transaction Date vs Clearing Date
The clearing date, not the purchase authorization date, determines which reward week a payment belongs to. A purchase authorized on Saturday can therefore count toward the next week if it clears on Sunday or later.
That timing affects which weekly cap applies and when the reward is paid, as described in the cashback programme guide.
How Much Cashback Can You Actually Earn?
At the four published reference points, maximum weekly base cashback is $2.50 at 0.1 GNO, $7.50 at 1 GNO, $15 at 10 GNO, and $50 at 100 GNO. With an eligible OG NFT, the maximums are $5, $11.25, $20, and $62.50.
These figures require enough eligible spending to clear within the reward week and use the full applicable cap. Holding GNO alone does not generate cashback.
Which Gnosis Pay Tier Is Best for Your Spending?
The practical fit depends on how much eligible card spending you make each week. A higher GNO balance increases the published rate and cap, but that added capacity has little value if your spending does not use it.
Light Spender
For someone spending about $250 or less per week on eligible purchases, the 0.1 GNO reference point already covers that spending level. Holding substantially more GNO only to unlock a larger cap may offer limited benefit if spending rarely exceeds $250.
Moderate Spender
At 1 GNO, the published cap is $375 with a 2% base rate; at 10 GNO, it is $500 with a 3% base rate. These reference points better match users whose eligible weekly spending regularly exceeds $250 but remains around the mid-hundreds.
Because rates and caps scale linearly between the published points, users with intermediate balances should rely on the official calculation rather than assume four fixed bands.
Heavy Spender
Users regularly spending $500 or more per week can make greater use of higher caps. The 100 GNO reference point allows up to $1,250 of weekly eligible spending to earn 4% base cashback or 5% with the OG NFT.
Spending above $1,250 in that reward week does not generate additional cashback at this reference point.
Is the 100 GNO Tier Worth It?
At 100 GNO, using the full $1,250 cap produces up to $50 base cashback or $62.50 with an eligible OG NFT.
Whether that trade-off makes sense depends on how much of the cap is actually used and the cost of maintaining 100 GNO in the Card Safe. The extra reward capacity should be weighed against GNO price exposure and the opportunity cost of allocating that amount of GNO to the programme.
How the OG NFT Bonus Works
An eligible OG NFT adds 1 percentage point to the applicable cashback rate: a 3% base rate becomes 4%, not 3.03%.
The Card Safe must hold the OG NFT and at least 0.1 GNO. The bonus changes the rate but does not remove the weekly eligible-spend cap; full conditions appear in the programme terms.
Which Transactions Do Not Earn Cashback?
Not every card transaction qualifies. Exclusions can include cash-like transactions, card or account funding, transfers or self-payments, refunds or reversals, and transactions under excluded merchant category codes.
The official exclusion list in the current programme terms governs eligibility and may change.
How and When Rewards Are Paid
Cashback is paid weekly in GNO to the Gnosis Pay Card Safe, normally on the following Thursday. The clearing date controls the reward week, not the purchase authorization date.
A Saturday purchase that clears on Sunday can therefore move into the next reward week and payout cycle. Gnosis Pay outlines this process in its cashback programme guide.
What Changed from the Original GIP-110 Programme?
Program GIP-110 yang asal telah tamat. Ia menggunakan perbelanjaan mingguan maksimum yang layak sebanyak €5,000, £4,500 atau $5,500 dan dibiayai oleh Gnosis DAO.
Program Pulangan Tunai Perantara semasa sebaliknya menggunakan kadar pulangan tunai berperingkat atau berskala dan had perbelanjaan yang layak yang terikat dengan pegangan GNO dalam Peti Deposit Keselamatan Kad. Ia dibiayai oleh Gnosis Ltd. , bukan DAO. Struktur sebelumnya didokumenkan pada halaman program GIP-110 .
Risiko dan Kos yang Perlu Dipertimbangkan
Program Pulangan Tunai Perantara dijadualkan sehingga 30 September 2026 , jadi kadar, had dan peraturan kelayakannya tidak boleh dianggap kekal.
Memegang GNO tambahan mewujudkan pendedahan harga token dan kos peluang. Ganjaran juga dibayar dalam GNO, jadi nilainya boleh berubah selepas pembayaran, manakala peraturan program, pengecualian dan mekanik ganjaran mungkin berubah selepas tarikh akhir yang dijadualkan semasa.
Soalan Lazim
Berapakah jumlah maksimum pulangan tunai yang boleh saya perolehi daripada Gnosis Pay?
Pada titik rujukan 100 GNO, ganjaran mingguan maksimum yang diterbitkan ialah $50 pada kadar asas 4% atau $62.50 dengan kadar OG NFT 5% . Ini memerlukan perbelanjaan yang layak sebanyak $1,250 untuk dijelaskan dalam minggu ganjaran.
Apakah itu Bayaran Gnosis?
Gnosis Pay ialah platform pembayaran kripto dan kad kendiri yang membolehkan pengguna membelanjakan aset digital yang disokong melalui infrastruktur kad pembayaran. Ia bukan bank.
Apakah itu kripto Gnosis?
GNO ialah token tadbir urus dan pertaruhan ekosistem Gnosis. Dalam program ganjaran Gnosis Pay semasa, GNO yang disimpan dalam Peti Deposit Keselamatan Kad membantu menentukan kadar pulangan tunai dan had perbelanjaan mingguan yang layak.
Kesimpulannya
Sehingga 3 September 2026, ganjaran Gnosis Pay dinilai dengan sebaik-baiknya dengan memadankan pegangan GNO dengan perbelanjaan mingguan sebenar yang layak, bukan dengan mengejar kadar tertinggi. Kekangan utama ialah had rujukan yang diterbitkan antara $250–$1,250, peraturan baki terendah dan masa tarikh penjelasan. Oleh kerana program ini dijadualkan sehingga 30 September 2026, pengguna harus menyemak terma rasmi terkini sebelum bergantung pada syarat-syarat ini.
