xPortal
MultiversX super-app wallet + card.
- Who holds it
- You do. Funds sit on-chain in a wallet the company cannot freeze.
- The ledger
- The blockchain — no company keeps the authoritative record.
- If it fails
- Nothing on the company side to fail; but lose your keys and the money is gone for good.
Derived from xPortal’s regulation type and custody — a class of protection, not a guarantee. Limits and eligibility vary by scheme, balance and jurisdiction; confirm before you rely on it. What happens if a neobank shuts down →
The facts
| Category | web3-native |
| HQ | Sibiu, RO |
| Founded | 2021 |
| Custody | Self-custodial |
| Regulation type | Self-custodial software |
| Card | MC · Wallet + card |
| Cashback | Cashback |
| Yield | Staking |
| Stablecoins | Yes |
| KYC | Card only |
| Active regions | North America, Europe, Latin America, Africa, MENA, Asia, Oceania |
| Founders | MultiversX (Beniamin & Lucian Mincu) |
Verified links: official site ↗
Common questions about xPortal
What is xPortal?
xPortal is a self-custodial, on-chain-first neobank, headquartered in Sibiu, RO and founded in 2021. You hold the keys: xPortal never takes custody of your funds. It is software rather than a licensed institution.
Does xPortal have a card, and where can you use it?
It issues a Mastercard wallet and card, and identity checks apply to the card but not to the wallet. It is available in all 7 world regions tracked here.
Does xPortal require KYC?
Partly. You can use xPortal itself without verifying your identity, but ordering its card requires KYC.
What does xPortal cost?
From the verified fields: cashback Cashback; yield Staking. Cashback and yield are "up to" figures that change constantly and often depend on a paid plan — confirm current terms with xPortal before relying on them.
Peers
Phantom · Zengo · MiniPay · Eco (Beam) · Dakota · MetaMask
xPortal appears in
Neobanks that never hold your money (53) · Neobanks where only the card requires ID (33) · Neobanks available in North America (126) · Neobanks available in Europe (144) · Neobanks available in Asia (132) · Neobanks available in Oceania (72) · Neobanks available in Latin America (113) · Neobanks available in Africa (92) · Neobanks available in MENA (85) · Neobanks that issue a Mastercard (150)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.