Official Rules Campaign
Cashback Rewards Program Terms
V.1.1 – Applicable starting with 01.12.2025.
These rules (hereinafter referred to as the “Rules”) set out the terms and conditions governing the promotional Cashback Rewards Program (hereinafter referred to as the “Program” or the “Campaign”) organized and operated by xPortal Equity AG, a public limited company (Aktiengesellschaft) incorporated and existing under the laws of Liechtenstein, registered with the Liechtenstein Commercial Register under number FL-0002.735.068-1, having its registered office at Werdenbergerweg 11, 9490 Vaduz, Liechtenstein (hereinafter referred to as the “Organizer” or “xPortal”).
The payment cards used in connection with the Program (hereinafter referred to as the “xPortal Cards”) are issued under a white-label arrangement by Capital Financial Services S.A., an electronic money institution headquartered at 89-97 Grigore Alexandrescu, Metropolis Center, 6th Floor, District 1, Bucharest, Romania, registered with the Trade Register under number J40/4352/08.04.2011, unique registration number RO22170545, authorized by the National Bank of Romania under authorization Series IEME no. 001/25.04.2013 (hereinafter referred to as the “Issuer”).
The Issuer provides regulated e-money issuance and card payment services in accordance with applicable legislation, while the Program itself is created, administered, managed, and fully operated by xPortal. All benefits, rewards, communications, and obligations arising from or related to the Program are the exclusive responsibility of xPortal. The Issuer shall not be held liable for, nor shall it assume any responsibility or obligation regarding, the establishment, calculation, allocation, modification, suspension, or payment of cashback rewards under the Program, except to the extent expressly required by applicable legal or regulatory provisions. Participation in the Program is limited to those categories of users expressly designated by xPortal in accordance with these Rules (hereinafter the “Participants” or the “Eligible Participants”).
Eligible Participants will receive cashback reward bonuses for qualifying transactions performed with their xPortal Cards at eligible merchants, in accordance with the criteria, rates, procedures, and limitations set out in these Rules. All terms relating to the eligibility of transactions, reward mechanics, exclusions, crediting of rewards, validity, suspension, dispute resolution, and termination of the Program shall be governed exclusively by these Rules and any subsequent amendments lawfully adopted and published by xPortal.
Duration
The Program will start on 01.12.2025 and will run until it is terminated as in accordance with these Rules.
After the end of the Program, the fulfillment of the conditions mentioned in these Rules no longer entitles you to participate in the Program, the Program cashback offer described herein lose that quality and the Organizer will have no responsibility and will assume no obligation whatsoever regarding any circumstance that may lead the public to the conclusion of actuality or continuation of the Program.
Participating Services and Products
The products and services that may be used by an Eligible Participant during the Campaign in order to qualify for a cashback reward bonus are the following:
The xPortal-branded payment card (the “xPortal Card” or the “Card”), issued under a white-label issuing arrangement by the Issuer, and made available to Participants through the xPortal application and ecosystem during the Campaign period.
The Card is linked to an eligible payment account or electronic money account made available to the Participant within the xPortal ecosystem (the “Account”).
To earn cashback rewards, Participants must complete purchases at eligible merchants by using their xPortal Card during the Program period. Purchases may be conducted using either the physical or the virtual form of the Card, and may take place in-store or online, provided that they qualify as eligible transactions under these Rules.
Conditions of Participation and Eligibility
Only individuals who cumulatively meet all of the conditions set out below (hereinafter “Eligible Participants”) may participate in the Program:
The Participant must be at least 18 years of age.
The Participant must be a citizen of a Member State of the European Economic Area (EEA) and must have domicile or habitual residence in an EEA Member State.
The Participant must be a registered user of the xPortal Application and must maintain a minimum amount of staked EGLD, SUI or XMN—calculated in accordance with the threshold table set out in these Rules—through one or more staking providers within the MultiversX blockchain ecosystem.
The Participant must become a customer of xPortal Equity AG (the “Organizer”) during the Campaign period, by successfully opening an Account within the xPortal ecosystem and obtaining an xPortal Card issued under the white-label issuing arrangement by Capital Financial Services S.A. (the “Issuer”), respectively by becoming a customer of the Issuer.
The Participant must become a customer of Cifralfabeto Lda (the “Exchange Provider”) during the Campaign period and remain a customer thereof throughout the duration of the Program.
The Participant must perform eligible payment transactions with eligible merchants using the xPortal Card issued by the Issuer. Only transactions that have been fully settled (i.e., not pending or reversed) shall qualify for cashback reward calculation.
At the time the cashback reward is disbursed, the Participant must remain:
– an active customer of the Organizer and the Issuer,
– an active customer of the Exchange Provider, and
– the Account and Card must be in good standing, not suspended, restricted, or under investigation.
The Participant must not be subject to any enforcement, insolvency, account seizure, or similar legal proceedings in any jurisdiction, and the Participant’s Account must not be blocked, frozen, or restricted pursuant to applicable legal, regulatory, or compliance requirements.
Opening an Account with the Organizer and ordering the xPortal Card can be completed through the “Cash” online interface available within the xPortal Application. Participants must consult the applicable Fees Schedule available in the Online Interface, which provides all fees and charges related to card issuance, delivery, usage, and associated services.
For the avoidance of doubt, only individuals who simultaneously qualify as customers of the Organizer, Issuer and the Exchange Provider are eligible to participate in the Program and to receive cashback rewards.
Program Offers. The Cashback Rewards Bonus
A. For the xPortal Card
Tier | EGLD staked | Cashback rewards | Monthly cashback cap |
1 | >= 5 EGLD | 0.10% | €5 |
2 | >= 25 EGLD | 0.20% | €10 |
3 | >= 100 EGLD | 0.30% | €15 |
4 | >= 500 EGLD | 0.40% | €20 |
5 | >= 2000 EGLD | 0.50% | €30 |
B. For the SUI Card
Tier | SUI staked | Cashback rewards | Monthly cashback cap |
1 | >= 25 SUI | 0.10% | €5 |
2 | >= 125 SUI | 0.20% | €10 |
3 | >= 500 SUI | 0.30% | €15 |
4 | >= 2500 SUI | 0.40% | €20 |
5 | >= 10000 SUI | 0.50% | €30 |
C. For both xPortal & SUI Card
Tier | XMN staked | Cashback rewards | Monthly cashback cap |
1 | >= 1000 XMN | 2% | €15 |
2 | >= 100000 XMN | 5% | €50 |
*Eligible participants can receive up to 5% cashback, subject to a total promotional pool of €10,000. Please note that this offer is valid on a first-come, first-served basis and will automatically conclude once the collective budget is exhausted.
On each Friday of the week, the cashback rewards generated by completed eligible Card payment transactions that were made more than 30 days ago calculated from the reference day (excluding cashback rewards that have already been transferred) will be transferred, generally within the same day but not later than three business days (“Cashback Transfer Date”), as in accordance with the below terms.
Upon your request, and as in accordance with Section 18 of the Account Personal Terms and Conditions, the cashback rewards that you are entitled to, will automatically be transferred on the Cashback Transfer Date to your Exchange Provider, that will be used by you to purchase virtual assets from the Exchange Provider as in accordance with the agreed terms and conditions between you and your Exchange Provider.
The cashback rewards transfer will be made only provided that the cashback rewards amount is equal or higher than one euro or any other amount that we may decide from time to time.
Excluded Card transactions
The following Card transactions are not considered eligible:
Transactions or purchases of, or relating to, financial services, including but not limited to wire transfers, money orders, money transfers, insurance services, insurance sales, insurance underwriting, insurance premiums, cash disbursement, stored value funding, funding of cards and accounts, securities/shares (including through brokers and dealers), bonds, savings bonds;
Transactions or purchases of, or relating to, lotteries, gambling or gambling like services, tax payments, and government services, subscriptions;
ATM / POS cash withdrawals;
Refunded / reversed Card transactions; and
Card transactions conducted with excluded Merchant category codes (MCC*) listed below.
* MCC means a Merchant category code and is a four-digit classification code, as defined by the Card Schemes (Mastercard / Visa), that is assigned to a Merchant by the Merchant’s Card Scheme or Merchant Acquirer based on the predominant business activity of the Merchant. We do not assign or have responsibility for the assignment of MCCs or evaluate what MCCs should be assigned to a specific Merchant.
Excluded merchants or channels
Not eligible Card transactions that are excluded from the cashback rewards Program include, but are not limited to, the following merchant categories (MCC) or channels:
MCC Code | Description | Included in this MCC |
4829 | Merchants classified with this MCC allow transactions in which funds are delivered or made available to a person(s) other than the Mastercard or Maestro cardholder initiating the money transfer at a location other than the location at which the money transfer is initiated. These transactions include non–face-to-face transactions such as those facilitated through the Internet. Any fee charged and included in the total transaction amount must be clearly disclosed to the cardholder before completing the transaction. The acquirer must include the identity and location of the money transfer agent that accepts the card and effects the transaction in the card acceptor descriptor record as the site where the transaction was effected. |
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4900 | Merchants classified with this MCC provide the ongoing generation, transmission, and/or distribution of electric or gas power or other utility services. This MCC also includes merchants that provide water supply system services and merchants primarily engaged in the collection and disposal of refuse. |
Heating Oil |
5734 | Merchants classified with this MCC sell computer software programs for business and personal use and may also sell or lease computer hardware or other related products |
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5947 | Merchants classified with this MCC sell gifts and novelty items, greeting cards, balloons, souvenirs, holiday decorations, stationery, wrapping paper and bows, photo albums, and a limited selection of office supplies. |
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6012 | Merchants classified with this MCC are associated with Financial Institutions for the purchase of merchandise or services from or the repayment of debts to banks, savings and loans, thrifts, and credit unions. For example, the purchase of checks, other financial products, or promotional merchandise, deposits, the funding of an account, the purchase or reload of a stored-value card, the purchase of foreign currency, non-fiat currency (for example, cryptocurrency), money orders (a negotiable paper-based remittance – not a Money Transfer), travellers cheques, and loan fees or financial counselling service fees. This MCC may also be used for merchants involved in repayment of a debt, loan, or credit card balance by a cardholder to the financial institution. |
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6051 | Merchants classified with this MCC identifies the purchase, with a Mastercard or Maestro card, of travelers cheques, foreign currency, or money orders, or the use of a Mastercard card to open or fund a deposit account, at a location other than a Mastercard customer financial institution location. This MCC may also be used to identify transactions in which a merchant accepts a Mastercard or Maestro card for payment of an existing debt, such as a private label card or vehicle loan. In addition, this MCC must be used to identify transactions involving the purchase of cryptocurrency. MCC 6051 may not be used to identify any sale other than as described.
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6211 | Merchants classified with this MCC are licensed, in all jurisdictions, they sell into to buy, sell and broker securities, stocks, bonds, commodities, and mutual funds. |
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6300 | Merchants classified with this MCC sell personal or business insurance policies such as automobile, life, health, hospital, medical, and dental insurance, homeowners’ and renters’ insurance, real estate title insurance, pet health insurance and flood, fire, or earthquake insurance. |
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6513 | Fees charged by merchants engaged in the rental and management of residential and commercial properties, such as real estate agents, brokers, and managers, and apartment rental services. Such fees may include management fees, real estate rental commissions, and real estate rental payments. |
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6532 | This MCC may be used only to identify Payment Transactions. A Payment Transaction allows Mastercard cardholders to transfer funds to a Mastercard account. A Payment Transaction does not reverse a previous Mastercard purchase transaction and must be authorized by the issuer |
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6540 | Merchants classified with this MCC are the ones that identifies a transaction conducted by a card acceptor providing any of the following services: • A service in which funds are delivered or made available to a person other than the cardholder; • The loading of funds into an account unless the funds are to be used for sales described by any of the MCCs listed in the paragraph below; or • The loading of funds onto a stored value or prepaid card (alternatively, the MCC used to identify the primary business of the merchant performing such service may be used). MCC 6540 may not be used to identify any sale other than as described, including, by way of example and not limitation: gambling transactions (MCC 7995, MCC 7801, or MCC 7802, as appropriate, must be used); videotext transactions (MCC 5967 must be used); the sale of any prescription drug (MCC 5122 or MCC 5912 must be used) or the sale of any tobacco product (MCC 5993 must be used). The identity and location of the card acceptor must be included in the card acceptor descriptor record as the site where the transaction was effected. |
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7372 | Merchants classified with this MCC provide computer programming services, systems design, and data processing services on a contract or fee basis. Such services may include computer software design and analysis, software or systems modifications, data entry or data processing, and training in the use of custom software.
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8999 | Merchants classified with this MCC provide professional services that are not classified with a more specific MCC. |
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9222 | Government entities that administer and process local, state, and federal fines and penalties, motor vehicle violations, and community or property assessed fines. |
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9311 | Merchants classified with this MCC are local, state, and federal entities that engage in financial administration and taxation including collection of taxes and penalties and custody and disbursement of funds. Such merchants include property tax assessors’ offices, customs bureaus, and state tax commissions. |
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9399 | Merchants classified with this MCC provide general support services to the government such as personnel, auditing, procurement, and building management services, and are not described by another, more specific MCC. Examples include civil rights and civil service commissions, general government accounting offices, general services offices, government supply agencies, police, fire, and motor vehicle departments, and national, state, and city parks. This MCC may also be used to identify U.S. state lottery ticket sales by merchants properly registered with Mastercard as set forth in section 9.4.5 of the Security Rules and Procedures manual. Merchants involved in the sale of goods or services to the government should use the wholesale MCC that best describes the business.
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Viewing your cashback rewards
Information about your cashback rewards, including estimated cashback rewards earned to date, will be shown in the “Cash” Online Interface in your xPortal Application. Until the cashback rewards are calculated and transferred as per these Rules, any amount of cashback rewards accrual shown in the Application are estimates and may be changed based on adjustments (cancelled transactions, disputed transactions, refunds, or other credits from Merchants) and annulments and cancelations as per these Rules.
Account suspension or closure
If your Account is suspended for any reason: You will not be able to earn cashback rewards during any time your Account is suspended for any reason even if a Card transaction is made that would otherwise be an eligible purchase.
If your Account is closed for any reason: Your participation in the Program will be terminated, you will cease to earn any cashback rewards and any cashback rewards earned but not transferred to your Exchange Provider yet will be forfeited.
If your account with your Exchange Provider is suspended for any reason: Your cashback rewards may not be transferred to your Exchange Provider until your account is reinstated.
If your account is with your Exchange Provider is closed: Your participation in the Program will be terminated, you will cease to earn any cashback rewards and any cashback rewards earned but not yet transferred to your Exchange Provider will be forfeited.
Other legal information
Capitalized terms used but not defined in these Rules shall have the meanings defined in our Account Personal Terms and Conditions and Card Terms and Conditions.
Participants in the Program are required to fully comply with the terms and conditions of these, with all the provisions provided in our Contractual Documentation, including the Account Personal Terms and Conditions and with the Applicable Laws.
You acknowledge that the Program is a promotional program as to which no consideration has been paid to you and that the cashback rewards have no monetary value up to the point we transfer them to your Exchange Provider as in accordance with these Rules and other applicable terms between us. Unless and until the cashback rewards are transferred to your Exchange Provider, no tangible or intangible right, title, or interest in the cashback rewards has been earned.
If required as a result of changes in legislation or if deemed necessary for any other reason, we reserve the right to terminate this Program immediately. Also, we can interrupt or cancel this Program, or change these Rules at any time without notice. We reserve the right to add, modify or delete any benefit, service, or feature of the Program at any time in our sole discretion. Changes to the Program may include, among other things, modifying the cashback reward rates, the applicable caps, modifying eligible purchases and/or Merchant MCCs, excluding transactions, imposing additional restrictions, or terminating the Program. We reserve the right to remove any participant from the Program in the event of fraud or abuse in connection with the Program. We will make a public announcement by displaying any changes regarding the Campaign on the xPortal Application and/or the website. We will try to give you advance notice but will not always.
Events beyond our control may occur that render the awarding of the promotion impossible. Accordingly, we will not be liable for any loss, whether directly or indirectly suffered, as a result of an event outside of our control.
We retain the rights to cancel any cashback rewards you receive during the Campaign under the following circumstances: if the payment that resulted in the cashback is refunded to you, if you obtained the cashback through fraudulent means, if you violate the terms and conditions applicable to your Account and/or Card to gain the cashback, or if we discover that you did not comply with these Rules. The reversal of any cashback transaction will be regarded as having been carried out with your approval, and the payment will be considered authorized by you.
We will not be held liable for any misrepresentation caused due to a copy error, typing error and/or omission that may occur on any of our campaign material.
If you close your Account or your Account becomes suspended or restricted between the time of qualifying for cashback rewards and receiving cashback, then the cashback will be lost.
We will process your personal data in line with our Privacy Notice that applies to your Account which you can find here or in the “Cash” Online Interface in your xPortal Application.
These Rules are concluded in English language. The language for the communication between you and us can be Romanian or English.
To the extent permitted by law, these Rules shall be exclusively governed by and construed in accordance with the laws of Romania. Despite this, you can still rely on the mandatory consumer protection rules of the EEA country where you live. Any disputes arising out of or in connection with these Rules shall exclusively be submitted to and dealt with by the competent court in Romania (or in the courts of any EU Member State where you reside).
Any questions or concern related to our Program and these Rules may be addressed via the “Chat with us” function in the Application or at card@xmoney.com.