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

# Migrating to new Gnosis Pay APIs

> Overview of the differences between Gnosis Pay's old and new infrastructure, only applicable to old Partners integrating new APIs

This page compares Gnosis Pay's old API infrastructure against the current architecture, to help partners understand what changed and why, particularly around authentication, ownership, and other flows.

## Feature Comparison

| Feature                           | Old API                                                                                            | New API                                                                                                      |
| --------------------------------- | -------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------ |
| **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.                       |