xPortal is the consumer wallet and payments app for the MultiversX (formerly Elrond) blockchain, launched in February 2023 as the rebrand of the earlier Maiar Wallet. It is developed by MultiversX, the Romania-based company founded in 2017 by brothers Beniamin and Lucian Mincu together with Lucian Todea.
The xPortal Card is a crypto debit card offered by xPortal, available in EEA. It offers 0.1-0.5% (capped) cashback across 5 reward tiers, with higher rates unlocked by staking EGLD. The annual fee starts at €0.
Best suited for EGLD holders willing to stake for higher rewards. It runs on the Mastercard network and requires full identity verification.
| Tier | Rate | Requirement |
|---|---|---|
| Tier 1 | 0.1% | 5 EGLD or 25 SUI staked, €5/mo cashback cap |
| Tier 2 | 0.2% | 25 EGLD or 125 SUI staked, €10/mo cashback cap |
| Tier 3 | 0.3% | 100 EGLD or 500 SUI staked, €15/mo cashback cap |
| Tier 4 | 0.4% | 500 EGLD or 2,500 SUI staked, €20/mo cashback cap |
| Tier 5 | 0.5% | 2,000 EGLD or 10,000 SUI staked, €30/mo cashback cap |
Note: MultiversX ecosystem card, issued by Capital Financial Services S.A. Tiers evaluated per-token (EGLD or SUI, not cumulative); user needs the full amount in one token to qualify for a tier. xPortal super-app supports BTC, ETH, EGLD, POL, BNB, SOL, DOGE, BERA, SUI as funding sources. Headline 5% rates seen in marketing relate to time-limited promo pools (e.g. Dec 2025 €10K XMN promo), not standing tiers. XMN-specific staking tiers exist but per-tier amounts are not publicly documented. EEA only.
Other crypto cards in the same region or category that may suit your spending profile:
The xPortal Card is a crypto debit card offered by xPortal. It is available in EEA and allows users to spend cryptocurrency at merchants worldwide.
The xPortal Card offers 0.1-0.5% (capped) cashback. There are 5 tiers: Tier 1 (0.1%), Tier 2 (0.2%), Tier 3 (0.3%), Tier 4 (0.4%), Tier 5 (0.5%).
The xPortal Card has an annual fee of €0. Additional fees: Conversion fee: ~1%.
The xPortal Card is available in EEA. Its availability status is "EEA".
The xPortal Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the xPortal Card supports Apple Pay and Google Pay for contactless payments.
Yes, the xPortal Card requires staking the provider's native token to unlock higher cashback tiers. The card has 5 reward tiers: Tier 1 (0.1%, requires 5 EGLD or 25 SUI staked, €5/mo cashback cap); Tier 2 (0.2%, requires 25 EGLD or 125 SUI staked, €10/mo cashback cap); Tier 3 (0.3%, requires 100 EGLD or 500 SUI staked, €15/mo cashback cap); Tier 4 (0.4%, requires 500 EGLD or 2,500 SUI staked, €20/mo cashback cap); Tier 5 (0.5%, requires 2,000 EGLD or 10,000 SUI staked, €30/mo cashback cap). Higher staking amounts yield better reward rates, but consider the opportunity cost of locking tokens.
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