| SIWE Authentication | Long-lived access token (24h) | Access token (15 min validity) and refresh token model (7 days validity) with rotation support |
| Reversals | Processed after 1 business day | Instantly processed right after the clearing message |
| KYC Verification | Dependent on Gnosis Pay to complete KYC; Gnosis Pay shares KYC results with partners | KYC can be 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 | Spendable, non-spendable, and total balance | Detailed breakdown: spendable, authorized holds, non-spendable, processing deposits |
| Withdrawals | Subject to delay module | Instant, bypassing the delay module |
| Daily Onchain Spending Limits | Set by user, requires an onchain signature | Hardcoded at $20,000 daily limit (2x card limit buffer), no signature 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 transaction; onchain transactions only available via RPC | Unified account-statement endpoint showing deposits, withdrawals, and card transactions |
| Owner Address | Multiple SIWE-authenticated addresses could be added alongside the Safe owner | A single owner address, set at account creation, cannot be changed, and no other SIWE addresses can be added |
| Pre-Authorization Holds | Not allowed in old infrastructure | Pre-authorization holds allowed, users can use it for gas stations or car rentals etc. |
