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Uphold
uphold.comSummary
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.
Feature Matches3/12
See all3/12
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
PricingFreemium
See allFreemium
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.
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Reddit·tech_enthusiast·2d ago·+142
I've been using Alternative A for 6 months now and it's been fantastic. The pricing is much better and the features are actually more robust than what [Product] offers.
Show HN: We built a better [Product]
Hacker News·startup_founder·5d ago·+89
After struggling with [Product]'s limitations, we decided to build our own solution.
It handles edge cases much better and the API is actually documented properly.
Check it out at our site.
[Product] vs Competitor B - which one should I choose?
Reddit·confused_buyer·Oct 14·+67
Honestly, after trying both, Competitor B wins hands down. Better customer support, cleaner interface, and they don't nickel and dime you for every feature.
Why we migrated away from [Product]
Hacker News·cto_mike·Oct 11·+234
The breaking point was when they changed their API without notice. We lost 3 days of productivity. Solution C has been rock solid for us since we switched.