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Make your money work harder.

Trade, earn, borrow, stake and get paid early.
300+ cryptos, 4,000+ stocks and precious metals.

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4.9 out of 5

NerdWalletNerdWallet rating

4.6 Trustpilot4.7 iOSApp Store4.3 AndroidGoogle Play189K+ reviews

  • Trustpilot

    4.6 out of 5 from27K Reviews

  • App Store

    4.7 out of 5 from89K Reviews

  • Google Play

    4.3 out of 5 from73K Reviews

  • nerdwallet

    4.9 out of 5.Trader Loved.

Past performance is not a reliable indicator of future results.

Past performance is not a reliable indicator of future results.

Unlock the value of your assets. All in one place.

  • Invest

    Access 300+ digital assets and trade 4000+ stocks and ETFs.

  • Earn

    Earn up to 4% APY on USD. FDIC insured up to $2.5M.

  • Stake

    Earn weekly staking rewards automatically. Sell anytime.

  • Borrow

    Borrow cash against your assets without having to sell.

  • Spend

    Spend on the Uphold Debit Card. Up to 4% cash back.

Invest

Buy and sell thousands of assets.

Easily build a portfolio across multiple asset classes in just a few taps.*

  • 300+cryptos
  • 4,000+stocks
  • Gold & silver
  • 27currencies
Start Investing

*Available in certain markets.

The Uphold app listing popular assets such as Bitcoin, Ethereum, Apple and Gold with prices and daily moves.

Earn

Cash that earns up to 4% APY while you sleep.

One of the highest savings rates in the U.S. FDIC insured up to $2.5M, more than 10× the typical bank account. Your dollars can be traded instantly into crypto. No lockups.1

  • Up to4% APYon your cash
  • Up to$2.5MFDIC insured
  • $0monthly fees
  • Instantwithdrawals
Start Earning
The Uphold High-Yield Cash Account at 4% APY: $10,120.00 available, $33.70 interest accrued this month, and the next payout before November 5.The Uphold High-Yield Cash Account at 4% APY: $10,120.00 available, $33.70 interest accrued this month, and the next payout before November 5.

Earned since you’ve
been on this page$0.00000

Stake

Earn weekly rewards on your crypto.

Flexible staking lets you sell or swap anytime. Boosted staking gives you higher rewards for longer lockups.2

Boosted Staking
$10,035ATOM staked at 11.72% APY

Value in 10 years

$30,397+$20,362 in rewards

Past performance is not a reliable indicator of future results.

More staking assets

  • AXL5.01%
  • INJ5.43%
  • HBAR0.71%
  • CSPR8.8%
  • View all
Start Staking

Borrow

Turn your crypto into instant cash.

Borrow against your BTC, ETH or XRP without selling. Get cash or USDC in your wallet, or spend on the Exa Credit Card. No credit check. Flexible payments. ~7% APR.3

Get Instant Credit

Available in certain markets.

Spend

Earn more every time you spend.

Up to 4% back in the digital asset of your choice with the Uphold Elite Debit Card.4

The Uphold Elite Visa Debit Card.
Activate Your Card

Trade

Trade anything to anything.

Swap crypto, stocks, metals and currencies in one step — no cashing out in between.
The easiest trading experience.5

Start Trading

The Trading Platform Most Trusted By Millions.

  • App Store: rated 4.7 from 89K ratings
  • Google Play: rated 4.3 from 72.9K reviews, 5K+ downloads
  • Forbes Advisor: Best of 2026, Best Crypto Exchanges
  • Money: Best Crypto Exchanges 2026
  • USA Today: America’s Best Customer Service in Financial Services 2026
  • NerdWallet: rated 4.9, NerdWallet Approved, Trader Loved 2025
  • Trustpilot: rated 4.6 from 27K reviews

  • Great Experience!

    “This app has streamlined my workflow and made my tasks much easier. Highly recommend it!”

    Sarah,

    Review from Trustpilot

  • Absolutely A+100

    “Absolutely is the best app to have it works so great and I love it. Thank you guys for your hard work.”

    Daniel,

    Review from Trustpilot

  • Game Changer!

    “A revolutionary tool that has truly changed the way I approach my projects. Kudos to the team!”

    Michael,

    Review from Trustpilot

You can see your money is safe and secure

Live reserve ratio

—

Assets in reserve
—
Obligations
—
Liquidity venues
32
Assets backed 1:1
300+

The Uphold platform is always fully reserved. We publish our assets and liabilities in real-time. Your funds are never loaned out and your money is always available, when you need it.

View Our Reserves

Best Trustpilot Score of Any Major Crypto Platform.

Trustpilot: rated 4.6 from 27K reviews

Download the Uphold App
The Uphold app showing a $48,726.52 total balance, buttons to buy, deposit, withdraw and send, and a portfolio of XRP, BTC, NVDA, SPCX and ETH.

Past performance is not a reliable indicator of future results.

One account for every asset. Provably reserved since 2014.

  • SOC 2 TYPE 2
  • ISO/IEC 27001
  • PCI DSS
  • NMLS #1269875

  1. 1 High Yield Cash Accounts. Accounts offered by Atomic Brokerage LLC, member FINRA/SIPC. Uphold is not a bank and is not FDIC insured. APY is variable and returns are not guaranteed. Uphold has no control over, and cannot guarantee, any APY rate. FDIC’s deposit insurance coverage only protects against the failure of an FDIC–insured depository institution. Relying on pass-through deposit insurance is subject to conditions that must be satisfied. Uphold cannot guarantee FDIC coverage of the funds in your USD Account. You should not expect funds deposited in USD Accounts solely for the purpose of accessing the cash sweep to be protected by FDIC insurance. Subject to Atomic terms and conditions.

  2. 2 Staking. Limited jurisdictions. Boosted staking requires your assets to be locked during network unbonding period. Staking rewards are variable and not guaranteed. The Annual Percentage Yield (APY) represents a projection of the total rewards a user will get on that staked asset, taking into account the effect of compounding those rewards by letting them accumulate. APY for crypto assets is variable and fluctuates based on supply and demand in each of the blockchain's different protocols. This is determined differently and can change at any given moment. Uphold has no control over, and cannot guarantee, any APY rate. Cryptoassets are volatile and staking poses additional risks. Staked assets may lose value over time. Uphold takes a commission. Do not stake assets unless you are able to bear the risk of loss. Subject to terms and conditions.

  3. 3 Instant Credit. Limited jurisdictions. Loans offered by Protocols, not Uphold. Exa Credit Card issued by Third National Bank with credit features by Exactly Protocol. Uphold not responsible for assets once transferred to a Protocol. Rates, borrowing capacity and availability depend on collateral value, credit health and other terms. Borrowing capacity depends on eligibility, collateral asset, collateral value and credit health. Crypto collateral may fluctuate in value and could affect available credit. Deferring payments may result in higher total payments over life of loan. Late payments accrue default interest. No statement is a commitment to make a loan. See the app for your rate and terms.

  4. 4 Visa Debit Cards. Uphold is not a bank. Cards issued by Cross River Bank, Member FDIC, pursuant to a Visa license. USD at Cross River is FDIC-insured up to $250K. Deposit insurance covers the failure of an insured bank. FDIC insurance is made available through pass-through insurance at Cross River Bank, where Uphold has a direct relationship for the placement of deposits and into which customer funds are deposited, but only if certain conditions have been met. Rates, borrowing capacity, and availability depend on eligibility, collateral asset, collateral value, credit health, applicable limits, and product terms. Deferring payments may result in higher total repayments overall, and late payments will accrue default interest. Funding card with crypto may be a taxable event. Subject to CRB terms and conditions.

  5. 5 Trading Assets. Crypto assets offered by Uphold HQ, Inc. Securities offered via Uphold Securities Inc. in a fractional capacity and custodied by Apex Clearing Corporation. Brokerage services are offered through Uphold Securities Inc., a registered broker dealer (member FINRA & SIPC). Precious metals offered to customers of select jurisdictions and held with a third-party partner, Gold Bullion International LLC. Precious metals cannot be deposited but can be traded and exchanged and redeemed for physical metal upon request through our third party partner, AuSecure, LLC. The value of your investments will fluctuate over time and you may gain or lose money. Crypto assets are volatile and can fluctuate significantly in response to industry, political, regulatory, market or economic developments. The appropriateness of a particular investment will depend on an investor's individual circumstances and objectives. Past performance is no guarantee of future results.

Uphold HQ Inc. NMLS ID No. 1269875, Registered Office: 90 New Montgomery Street, Suite 412, San Francisco, California 94105. Uphold Operating Canada Ltd. Registered Office: 6th Fl., 905 West Pender St., Vancouver, BC, Canada V6C 1L6.

Uphold is certified for SOC 2 Type 2, ISO 27001, and PCI DSS, ensuring rigorous control over our information security management systems, data handling, and payment processing practices.

Furthermore, we comply with relevant privacy regulations, including the General Data Protection Regulation (GDPR), California Consumer Privacy Act (CCPA), the Personal Information Protection and Electronic Documents Act (PIPEDA), and the UK Data Protection Act, underscoring our dedication to protecting the personal data and privacy rights of our global customers.

Uphold Operating Canada Ltd. (Uphold Canada) has withdrawn its application for registration in certain Canadian jurisdictions and is no longer offering registrable services Canadian residents. Until such time as Uphold Canada re-files and obtains registration, Uphold Canada has agreed to abide by the terms of an undertaking available here (opens in a new tab).

© 2026 Uphold HQ Inc. and Uphold Operating Canada Ltd. All rights reserved.

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