For Gnosis Pay borrowers

If you spend with a Gnosis Pay card, Helva will let you fund it by borrowing against your mainnet crypto — without bridging or selling.

Why it’s better than the DIY route

Doing it yourself (e.g. Aave + bridge)	With Helva
Bridge assets, deposit, borrow, then fund the card	No bridging — collateralize on mainnet, receive funds to your card wallet
Limited collateral on Gnosis Chain (practically WETH/wstETH)	Use WBTC and cbBTC too, on mainnet
Card wallet can be linked on-chain to its funding source	No direct on-chain link between your collateral wallet and your card wallet

flowchart LR
    C[Your mainnet collateral] --> V[Anvil vault]
    V --> H[Helva settlement]
    H --> G[Funds to your Gnosis Pay card wallet]

Privacy

Gnosis Pay transactions are visible on-chain. Because your funds would arrive via Helva’s settlement infrastructure rather than directly from your collateral wallet, there is no direct on-chain link between the two wallets.

The mechanics will match a standard loan — see How it works and the borrower walkthroughs.