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Please note: like most trading venues, we display the current mid-market rates in our price charts. When you trade, you get the current bid or ask price depending on whether you are buying or selling. There is always a slight difference between the mid-market and the current bid or ask prices. This is a natural result of how Exchange order books work.

Digital currencies are very high risk. Do not invest money you can’t afford to lose. Please consider the suitability of crypto for your individual position before trading. Read our risk summary for qualifying crypto assets.

We’re updating Terms and Conditions in the U.S. effective April 14, 2023.

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Buy & Sell BTC, XRP And MORE - Uphold

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“I was blown away by how smooth the process of buying XRP was on Uphold...”

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 1.1 - In certain jurisdictions, the Uphold Platform allows you to hold a cryptographic stored value token that is strictly pegged 1:1 to a fiat currency or a commodity (a “Universal Stablecoin”) and built on the Ethereum Network by Universal Protocol Pte. Ltd. (“UPP Ltd.”). UPP Ltd. is a subsidiary of a Singapore trust whose beneficiary is the Universal Protocol Alliance, a coalition of cryptocurrency and blockchain enterprises, of which Uphold’s affiliate is a member, which has advanced the development of the Universal Protocol Platform, on which Universal Stablecoins are based . By obtaining or using Universal Stablecoins, you understand and expressly agree to these Universal Protocol Stablecoin Terms, and you acknowledge that you have reviewed and understand each of the statements made in these Terms. UPP Ltd. maintainsat all times within a reserve an amount of fiat currency or commodity underlying the Universal Stablecoins for the exclusive benefit of t the holders thereof that is equal to or greater than the amount of Universal Stablecoins issued and in circulation. You can view the balance of U.S. dollars, Euro or other fiat currency or commodity pegged to the respective Universal Stablecoin and the amount of Universal Stablecoins held by the holders thereof on the Universal Protocol Alliance Transparency Page. Uphold’s Transparency Page shows the obligations and assets of Universal Stablecoins held on the Uphold Platform.

1.2 - Each Universal Stablecoin on the Platform corresponds to a related fiat currency, such as a U.S. dollar or Euro, or to a related commodity, such as a Bitcoin, gold, or carbon credits (each, a “Substantiating Asset”). Each Substantiating Asset is held on deposit in one or more accounts maintained at banks (in the case of fiat currency) or in custody with other partners (in the case of commodities) (in each case, a “Substantiating Account”) that are s: (i) under the control of UPP Ltd., or where the Substantiating Account is held via Uphold, under the control of Uphold; (ii) separate from UPP Ltd.’s and Uphold’s business, operating and other reserve bank accounts; (iii) established specifically for the benefit of holders of Universal Stablecoins; and (iv) with respect to Substantiating Accounts of fiat currency, represents a banking deposit relationship with each bank. You agree and understand that Substantiating Accounts do not create or represent any direct relationship between you and any of our banks or other custodial partners and you cannot redeem a Universal Stablecoin at any of such banks or partners. U.S. dollars supporting each Universal Dollar on the Platform are held on deposit in one or more Substantiating Accounts at one or more insured depository institutions located in the United States with the intention that the deposits supporting each Universal Dollar in an Account would be eligible for FDIC “pass-through” deposit insurance, subject to the applicable limitations under the rules and regulations of the FDIC, including the Standard Maximum Deposit Insurance Amount (currently up to $250,000 per depositor, per deposit type at any one depository institution). Other non-fiat currency Substantiating Assets are held by the custodial partners on a commingled basis for the benefit of the relevant Universal Stablecoins holders who are the beneficial owners thereof entitled to the rights and privileges of beneficial ownership and possession of the underlying asset upon redemption thereof.

1.3 - You agree and understand that only verified users in eligible jurisdictions may exchange Assets for Universal Stablecoins and/or Universal Stablecoins for the relevant Substantiating Asset at Uphold. With respect to using cryptocurrencies in these transactions, the Value in your Account will first be converted into the Value of fiat currency or vice versa, which may be subject to fees. For example, a verified user may exchange U.S. dollars (or other permitted Supported Asset) for UPUSD at a 1:1 exchange rate of U.S. dollars for UPUSD in one or more Fiat Accounts. 

1.4 - Verified users wishing to redeem their Universal Stablecoins pegged to a fiat currency or other commodity that is independently a Supported Asset on the Platform (e.g., Bitcoin) for the Substantiating Asset may do so by electing to redeem the asset in return for an equivalent amount of the relevant fiat currency or Supported Asset, as applicable (without interest or any other financial return). The fiat or other Supported Asset underlying the amount of Universal Stablecoins you redeem from your Account will be credited to your corresponding Account balance at the time of deposit.

1.5 - Verified users wishing to redeem their Universal Stablecoins pegged to commodities that are not independently a Supported Asset on the Platform (e.g., physical gold or carbon credits) in their Account for the Substantiating Asset may do so using the following procedures:

    1.5.1 - For UPXAU: UPXAU tokens are substantiated on a 1:1 basis with GoldPass Certificates issued by InfiniGold, the exclusive technology provider of The Perth Mint, a corporation owned and insured by the Government of Western Australia. Each GoldPass Certificate is in turn substantiated on a 1:1 basis with one ounce of gold held in the reserves of The Perth Mint. If you wish to redeem your UPXAU for physical gold, you must set up a GoldPass account with The Perth Mint here using the same email address connected to your Uphold account and send the UPXAU to the redemption account designated by Uphold; once this GoldPass account is created and the UPXAU has been received in the Uphold redemption account, your GoldPass account will be credited with the appropriate amount of GoldPass Certificates. You may then follow the GoldPass procedure for delivery of physical gold. GoldPass may charge you a separate fee for the delivery of physical gold. Note that GoldPass currently does not support delivery of physical gold to all jurisdictions (current list of available jurisdictions is available here: http://www.perthmintbullion.com/us/TermsConditions.aspx).

    1.5.2 - For UPCO2: UPCO2 tokens are substantiated on a 1:1 basis with Verified Carbon Units (VCUs) that each represent a reduction or removal of one tonne of carbon dioxide equivalent (CO2e) achieved by a validated and verified project. If you wish to redeem UPCO2 tokens via Uphold by retiring the underlying VCUs, either click on the “Burn/Retire Now” button on the Uphold platform or send an email to universalcarbon@uphold.com with your request, containing the email address associated with your Uphold Account and the amount of UPCO2 tokens to be burned and the associated VCUs retired. Upon receipt of the burn/retire request, the relevant amount of UPCO2 will be transferred from your account to an escrow account held by Uphold for the purpose of burning UPCO2 and retiring the underlying VCUs. Twice per month, Uphold will aggregate all outstanding burn/retire requests from its users and submit an omnibus request to UPP Ltd. to burn the UPCO2 credits and UPP Ltd. or its designee will formally retire the associated VCUs on the appropriate registry. In addition to the receipt provided to you upon your transfer of UPC02 to the Uphold escrow account, Uphold will deliver a receipt of retirement to you upon the actual retirement of the VCUs on the appropriate registry. The retirement process may take 2-3 weeks. Once a VCU has been retired, it cannot be reversed. 

1.6 - If you are not a verified user of the Uphold Platform, by obtaining or using Universal Stablecoins, you agree and understand that obtaining or using Universal Stablecoins does not create or represent any relationship between you and Uphold or you and UPP Ltd. and does not subject Uphold or UPP Ltd. to any obligations whatsoever as they relate to you. Neither Uphold nor UPP Ltd. currently charges end users fees for the creation, redemption, or use of Universal Stablecoins, but you are subject to our usual fees for exchanging Value. We reserve the right to charge fees in the future and, if so, will notify you prior to such fees being assessed. You may be required to pay mining fees for transfers of the Universal Stablecoins on the Ethereum Network. You are solely responsible for all mining fees as well as all other costs and expenses incurred with respect to obtaining or using Universal Stablecoins on the Ethereum Network.

1.7 - You agree and understand that individuals or entities affiliated with Uphold may hold, purchase, sell, or otherwise engage in transactions using or involving Universal Stablecoins. Uphold’s affiliate is a founding member of the Universal Protocol Alliance (the “UP Alliance”), a coalition of cryptocurrency and blockchain enterprises which has advanced the development of the Universal Protocol Platform, on which Universal Stablecoins are based, and serves as a Council member of the UP Alliance, which controls UPP Ltd. You further agree and understand that such persons may engage in this activity for, among other reasons, the purposes of making markets in Universal Stablecoins, promoting transactional activity that utilizes Universal Stablecoins, or otherwise supporting the use or adoption of Universal Stablecoins and the Universal Protocol Platform. You agree and understand that no individual or entity, whether affiliated with Uphold, UPP Ltd. or otherwise, is under any obligation to and has not affirmatively committed to, either begin engaging or continue engaging in such activities. All holders and users of Universal Stablecoins further agree and understand that such activities may affect the market for, and pricing of, any Assets involved in these activities. No such activity will affect the 1:1 peg of the Universal Stablecoin to the relevant fiat currency or other commodity.

1.8 - By obtaining or using Universal Stablecoins, you agree and understand that we are not responsible to any non-verified user that uses Universal Stablecoins or for any third party that supports Universal Stablecoins, including other members of the UP Alliance. You also agree and understand that you will not make us or any of our third-party service providers a party to any dispute involving a non-verified user that uses Universal Stablecoins or a third party that supports Universal Stablecoins, including other members of the UP Alliance. You further agree and understand that neither we nor any of our third-party service providers are responsible for your use (or misuse) of Universal Stablecoins on the Ethereum Network or otherwise and that you will not make us and/or any of our third-party service providers a party to any dispute involving your use (or misuse) of Universal Stablecoins on the Ethereum Network or otherwise. In any event, you hereby agree to indemnify us and/or any of our third-party service providers for any and all costs, including legal costs, which are reasonably incurred by us and/or any of our third-party service providers and related to any such disputes.

These terms, in addition to our General Terms and Conditions and your applicable User Agreement (available here for residents of the US.; here if you are a resident of a country that is a member of the European Economic Area (EEA), the European Union (EU), the United Kingdom, or Switzerland; or here if you reside anywhere else in the world), govern your use of certain stablecoins on the Uphold Platform. Capitalized terms not defined herein shall have the meaning given to them in the General Terms and Conditions or the applicable User Agreement.

Uphold’s services are offered to members based on specific terms and conditions. These documents detail exactly what you can expect of us, and what we expect of you when you use the platform.

Universal Protocol Stablecoin Terms - Uphold

The following categories of businesses, business practices, and sale items are barred from using our services (“Prohibited Businesses”). Please note that Uphold HQ retains the right to reject any business applicant based on evolving risk tolerances and the requests of our banking partners.

By opening an Uphold HQ Account or Uphold Securities Brokerage Account (your “Account”), you confirm that you will not use the Uphold Platform to transact in connection with the following businesses, activities, practices, or items:

Operating as an unlicensed money transmitter, money service, payment service provider, e-money, or any other financial services business which requires licensure, including but not limited to exchanges of virtual currencies, sales of money orders or traveler's checks, and escrow services

Counterfeit products or any product or service that infringes upon the copyright, trademark, trade secrets of any third party, or stolen goods

Narcotics, controlled substances, prescription and pharmaceutical services, drug paraphernalia, or any substances designed to mimic illegal drugs ( includes legal high or cannabinoids)

Gambling, except where permitted by and with our prior written permission

Casinos, lotteries and gambling (online or in-person)

Initial Coin Offering vehicles, except where permitted by and with our prior written permission

Prostitution (including internet adult content subscription services), adult entertainment, dating escort services

Violent acts towards self or others, or activities or items that encourage, promote, facilitate or instruct others regarding the same

Extortion, blackmail, or efforts to induce unearned payments

Weapons and ammunition, including military manufacturers, dealers and intermediaries

Any business that violates any law, statute, ordinance or regulation

Acting in concert with others or through multiple accounts that you control in order to circumvent per account trading limits

Decentralized Autonomous Organizations (DAOs)

Explosives and polytechnic products, glues, essential oils and chemicals

Direct marketing (mail order or telephone orders, catalog sales, outbound telemarketing, inbound teleservices, audiotext & videotext, outbound telemarketing, travel, including discount travel clubs, or insurance)

Funding any of the items included on this Prohibited Businesses list

You may not use your Account or the Uphold Platform to engage in the following categories of activity (“Prohibited Use”). You confirm that you will not use your Account to do any of the following:

Violate or assist any party in violating any law, statute, ordinance, regulation or any rule of any self-regulatory or similar organization of which you are or are required to be a member (for example, those laws, rules, or regulations governing financial services, controlled substances, or consumer protections)

Partake in a transaction which involves the proceeds of any unlawful activity

Partake in any transaction involving online gambling except where permitted and with our prior written permission

Defraud or attempt to defraud us or our users

Infringe our or any third party's intellectual property

Provide false, inaccurate or misleading information

Take any action that imposes an unreasonable or disproportionately large load on our infrastructure, or detrimentally interfere with, intercept, or expropriate any system, data, or information

Interfere with another individual's or entity's access to or use of any part of the Uphold Platform

Defame, abuse, harass, stalk, threaten or otherwise violate or infringe the legal rights of others

Publish, distribute or disseminate any unlawful material or information

Transmit or upload any viruses, Trojan horses, worms, or any other malicious programs

Access the Uphold Platform through programmatic means

Act as a payment intermediary or aggregator or otherwise resell the Uphold Platform, unless authorized by us in writing

Transfer any rights granted to you by us to another party

Use another user’s password for any purpose

Compromise Accounts, computer systems or networks connected to the Uphold Platform through any means

Use any Account other than the single Account created with your real identity

Prohibited Businesses and Prohibited Use - Uphold

We use multi-level systems and procedures to collect and verify information about you in order to help keep ourselves, other users and our partners safe from fraudulent activity and for record-keeping purposes. In addition, to help the government fight the funding of terrorism and money laundering activities, applicable law requires financial institutions to obtain, verify and record information that identifies each person who opens an account.

Providing: Their full legal name, Date of birth, Home address, Country of residence, Country of citizenship, Email address, Phone number.

Verifying their email address and phone number

Verifying their identity using a government-issued ID – such as a passport or driver’s license

Accepting our User Agreement and Privacy & Data Policy

Confirming review of applicable disclosures related to the risks associated with buying, selling and trading cryptocurrency

Defining expected use of the Uphold platform and substantiating funding sources and employment

We also may require that you provide or verify additional identifying information or wait some amount of time before permitting you to use the Uphold platform.

A corporation, partnership, trust or other legal entity may need to provide other information, such as its principal place of business, local office, employer identification number, certified articles of incorporation, government-issued business license, a partnership agreement or a trust agreement.

If you don't provide the information requested or your identity can't be verified, we may not be able to open an account or carry out transactions for you. If we have already opened an account for you, we may have to close it.

You may view applicable volume limits by visiting here.

You can contact us through support to request increased limits. We may require you to submit to enhanced due diligence at your cost and, of course, we cannot guarantee that we can increase your limits.

These terms, in addition to our User Agreement for Residents of the UK, govern your use of VCOIN on the Uphold Platform. Capitalised terms not defined herein shall have the meaning given to them in the User Agreement. By obtaining or using VCOIN, you understand and expressly agree to these VCOIN Terms, and you acknowledge that you have reviewed and understand each of the statements made in these Terms. 

VCOIN Terms - Uphold

Scope of Services

Using your E-Money Account

Fees

Third Party Access

Redeeming Electronic Money

Your Liability

Unauthorised or Incorrect Transactions

Amendments

Termination or Suspension

Closing your E-Money Account

Our Liability

Complaints

General

Through our partnership with Optimus Cards UK Limited which is authorised and regulated by the Financial Conduct Authority to issue e-money (FRN: 902034) pursuant to the Electronic Money Regulations 2011 (“Optimus”), we collectively provide electronic money accounts for fiat currencies and related payment services. 

Uphold Europe Limited (“Uphold”) is an EMD agent of Optimus. 

The e-money services enable you to hold fiat balances in various fiat currencies (e.g., GBP and USD) in e-money accounts (“E-Money Account”) and transfer fiat funds to other users of the Platform and third parties using funds held in your E-Money Account. The currencies available are set out on the Platform. 

Please read these Terms and Conditions (the “Terms”) carefully before you agree to use an E-Money Account or any related services provided by or through Optimus.

Terms not defined in these Terms have the same meaning given to them in the Agreement. 

References to “we” and “us” in the Terms refer to Uphold and Optimus (as the case may be). 

Electronic Money Terms - Uphold

Electronic Money Terms

About Us

Definitions

Your Uphold Account

Registering Your Uphold Account

Account Access

Authorised Persons

Cryptoasset Services

Supported Cryptoassets

Recurring Transactions

Custody of the Cryptoassets

Deposits and Withdrawals

Risks

Use of the Platform

Your Obligations

Platform Availability

Use of Third Parties

Communicating with You

Data Protection

Liability

No warranties

Taxes

Termination & Suspension

Unclaimed Cryptoassets

Other Matters

User Agreement for Residents and Businesses Registered in the UK

Cryptoasset trading involves a high degree of risk. Cryptoassets may experience frequent price volatility due to (i) the small use of Cryptoassets in the retail and commercial marketplace in comparison to relatively large use by speculators and (ii) the lack of assurance that a person or institution who accepts Cryptoassets as payment today will continue to do so in the future. Such price volatility may adversely affect an investment in Cryptoassets so prior to using Uphold, please evaluate the merits and risks of the investment and be able to bear the economic risk of losing your entire investment in a short period of time. 

This User Agreement (this “Agreement”) is for our users who are residents of, located in, or who access our Platform from, the United Kingdom, and governs the access and use of our mobile applications, products, software, websites, APIs, and other services (our “Platform”) and the services we provide to you. 

Where you are a developer, you must also agree to our Developer Agreement.

This is a binding contract between you and Uphold Europe Limited, Company No. 09281410, Registered Office: Eastcastle House, 27/28 Eastcastle Street, London, United Kingdom, W1W 8DH (“Uphold”). 

Before signing up to Uphold and accessing or using any of our services, you must read, agree and accept all of the terms and conditions contained in this Agreement, as well as our Privacy Policy available. 

You should read this Agreement carefully and make sure you understand the terms and conditions contained within it. If you do not understand any of the terms and conditions contained in this Agreement, please contact us before signing up and accessing or using our services. 

United Kingdom

Funds received using your UAN

Creating your UAN

Using your UAN

Assistance

No Guarantee

Third Parties

Limitations of Liability

Miscellaneous

These Unique Account Number (“UAN”) Terms of Use (these “Terms of Use”), which are incorporated in full into your User Agreement for Residents of Europe and the UK (your “User Agreement”), govern your use of the UAN created on our Platform in the territories where we offer UANs. All capitalized terms not defined in these Terms of Use shall have the meaning set forth in your User Agreement.

UPHOLD IS NOT A DEPOSITORY FINANCIAL INSTITUTION OR A BANK. THE FUNDS RECEIVED USING YOUR UAN ARE NOT HELD WITH UPHOLD. THEY ARE HELD IN A SEGREGATED ACCOUNT WITH A REGULATED FINANCIAL INSTITUTION IN THE NAME OF UPHOLD AND FOR THE BENEFIT OF OUR CUSTOMERS THAT USE UANs. THIS ACCOUNT IS USED EXCLUSIVELY FOR THE PURPOSE OF HOLDING AND PROCESSING CUSTOMER FUNDS, WHICH ARE CREDITED OR DEBITED TO YOUR UPHOLD ACCOUNT AS APPROPRIATE.

By creating and using a UAN, you agree to follow and be bound by these Terms of Use and your User Agreement and the associated General Terms and Conditions, including any policies referenced herein and therein. You also agree that you have read and agreed to the Unique Account Numbers FAQs.