A Mastercard Debit card for EEA users integrated with the non-custodial xPortal wallet.
The xPortal Card is a crypto-linked Mastercard Debit card for European users, integrated with the non-custodial xPortal wallet. It allows users to convert supported crypto assets like BTC, ETH, and EGLD to euros for global spending. The card uses a hybrid custody model, where users control their crypto private keys, but converted fiat is held by the issuer. It offers tiered rewards based on MultiversX token staking, though currently only the entry-level tier is available.
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MultiversX ecosystem users staking EGLD/XMN for up to 5% cashback.
You are outside the EEA or won't stake for rewards beyond 0%.
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| Tier | Rate | Up to |
|---|---|---|
| 5 EGLD Stake | 0.10% | — |
| 25 EGLD Stake | 0.20% | — |
| 100 EGLD Stake | 0.30% | — |
| 500 EGLD Stake | 0.40% | — |
| 2,000 EGLD Stake | 0.50% | — |
Available in 29 European Economic Area (EEA) countries. Restricted in 6 countries including UK, Switzerland, USA, Canada. Standard sanctions lists apply.
Immediate settlement with funds available instantly after conversion
Risk note. If the provider disappears, users retain access to their unconverted crypto assets but would lose access to the fiat balance held on the card account.
Card functions as prepaid debit; fiat held in Twispay e-money account. Multi-currency accounts are planned but not yet available.
Positive aspects: Sleek design and interface, all-in-one solution for crypto and spending, strong security features, integration with broader MultiversX ecosystem. Common complaints: Low cashback without significant staking, FX conversion fee, initial waitlist delays, occasional technical issues, support response times.
MultiversX ecosystem participants who already hold or stake EGLD/XMN tokens, security-focused crypto users who value non-custodial storage, and European crypto enthusiasts seeking a regulated bridge between digital assets and everyday purchases.
The xPortal Card represents an innovative bridge between cryptocurrency holdings and traditional payment infrastructure. Its primary differentiator is the non-custodial approach to crypto storage combined with traditional spending capabilities – a unique value proposition in the crypto card market. For users already invested in the MultiversX ecosystem, the card offers significant potential benefits, especially with the premium tiers promising up to 5% cashback and substantial perks like subscription rebates and travel benefits. However, for casual users or those without significant EGLD/XMN holdings, the value proposition is less compelling due to minimal base rewards and conversion fees.
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