> For the complete documentation index, see [llms.txt](https://gnosis-pay.gitbook.io/gnosis-pay/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://gnosis-pay.gitbook.io/gnosis-pay/overview/how-gnosis-pay-accounts-work.md).

# How Gnosis Pay Accounts Work

### [Lecture from Laurent, our Head of Engineering, on how Gnosis Pay works](https://www.youtube.com/live/fyqw1ts0ZfE?feature=shared\&t=8726) 💳🦉

***

### In Depth Explanation on Gnosis Pay Accounts

<figure><img src="/files/znVIoFBmTxUQiNAuPxB8" alt=""><figcaption><p>Gnosis Pay Account Structure</p></figcaption></figure>

Fundamentally, a Gnosis Pay account is just a [Safe Account](https://safe.global/) with two modifiers attached, one is the **Delay Module**, and the other being the **Roles Module.**&#x20;

**The Delay Module fixes a race condition:**

The user has full control over their Safe through the delay module. This means that the user can execute transactions on behalf of the Safe, but with a delay of 3 minutes.

This constraint is put in place so that Gnosis can have the assurance that payments can be settled on chain within a 3 minute timeframe - and not having the EURe withdrawn that were already confirmed to settle as a Visa transaction.

However, these constraints forbid us to do swaps - e.g. from yield-bearing sDAI to EURe - during a payment. This is where you, the developer come in 😎

**Below, you can see documentation explaining the Delay & Role Modules and links to the smart contract repos**

{% embed url="<https://www.zodiac.wiki/documentation/delay-modifier>" %}

{% embed url="<https://www.zodiac.wiki/documentation/roles-modifier>" %}

{% hint style="info" %}
To use Gnosis Card,  you can get EURe and GBPe on gnosis chain, following these steps : <https://help.gnosispay.com/en/articles/8896057-how-to-get-eure-or-gbpe-on-gnosis-chain>
{% endhint %}