Go Back

Uphold

uphold.com
Summary

Uphold is a digital asset trading platform that allows users to buy, sell, and hold various cryptocurrencies and precious metals. It also offers a USD Interest Account for earning yield on fiat balances and provides staking opportunities for crypto assets.

Features
3/12
See all

Must Have

1 of 5

Bitcoin Trading

Instant P2P Transfers

Prepaid Debit Card (Cash App Card)

Early Direct Deposit

Commission-Free Stock Trading

Other

2 of 7

Fraud Monitoring & Security

High-Yield Savings

Round-Up Savings

Pay Over Time (Afterpay)

Instant Discounts & Offers

Customizable Card Designs

ATM Access & Fee Reimbursement

Pricing
Freemium
See all

Uphold Core Services

$0.00 one time
  • Buy & sell crypto, stablecoins, precious metals
  • Trade between any supported asset
  • Real-time asset and liability publication
  • No loaning out customer assets
  • FDIC insured USD balances (up to $2.5M at program banks)
  • Commission-free stock trading
  • Bitcoin trading
  • Transaction fees for crypto conversions
  • Staking commission applies
  • Vault self-custody is a paid subscription

USD Interest Account (Tier 1)

Custom
  • 2% APY on USD balances
  • No lockups, no monthly fees
  • FDIC insured up to $2.5M at program banks
  • Instant movement of funds between USD Interest Account and trading platform
  • Minimum deposit of $1
  • Lower APY compared to higher balance tier

USD Interest Account (Tier 2)

Custom
Popular
  • 4.50% APY on USD balances
  • No lockups, no monthly fees
  • FDIC insured up to $2.5M at program banks
  • Instant movement of funds between USD Interest Account and trading platform
  • No maximum cap

Uphold Rewards (Level 1)

$0.00 monthly
  • Earn up to 5.25% on stablecoins (USBC, RLUSD)
  • Requires monthly challenges to maintain rewards

Uphold Rewards (Level 2)

$0.00 monthly
  • Earn up to 5.25% on stablecoins
  • Exclusive Special Token Report
  • Requires monthly challenges to maintain rewards

Uphold Rewards (Level 3)

$0.00 monthly
  • Earn up to 5.25% on stablecoins
  • Exclusive Special Token Report
  • 24-hour early access to new tokens
  • Requires monthly challenges to maintain rewards

Vault Monthly Subscription

$4.99 monthly
  • Assisted self-custody for crypto assets
  • Secure key replacement service
  • Instant access to Uphold trading platform
  • Trustless (assets remain accessible even if Uphold systems go down)
  • Supports BTC, XRP, RLUSD, SOLO, CORE, HBAR
  • Only supports specific crypto assets currently

Vault Annual Subscription

$49.99 yearly
Popular
  • Assisted self-custody for crypto assets
  • Secure key replacement service
  • Instant access to Uphold trading platform
  • Trustless (assets remain accessible even if Uphold systems go down)
  • Supports BTC, XRP, RLUSD, SOLO, CORE, HBAR
  • Only supports specific crypto assets currently
Rationale

Uphold is primarily a digital asset trading platform, offering the ability to buy, sell, and hold various cryptocurrencies including Bitcoin. While it offers a 'USD Interest Account' which functions as a high-yield savings account, and mentions security features, it does not provide peer-to-peer transfers, a general-purpose prepaid debit card for everyday spending, or early direct deposit as core features for individual users. The 'Optimus debit card' is mentioned under 'Enterprise' solutions, indicating it's not a direct consumer offering like the Cash App Card. Stock trading is not explicitly mentioned for individual users, only crypto and metals.

Links
Home Page