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Why Uphold is different: we’re the pioneers of radical transparency 

We publish our assets and liabilities in real-time. 

We never loan out customer money… so it’s always available when you need it

Our highly experienced risk team includes ex-financial regulators and a former US prosecutor 

Our operating entities are domiciled and licensed in the US, UK, and EU

We’re subject to regular US State audits.

Why Uphold is different: we’re the pioneers of radical transparency

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Trade $600 and get $50 in BTC as a reward. US users only.

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

Join over six million customers and experience a new kind of financial freedom.

At Uphold, we make it easy to buy and sell any major digital currency. You can invest, transfer, or send/receive 250+ cryptocurrencies, 27 national currencies, and 4 precious metals.

Buy & Sell BTC, XRP And MORE In Seconds - Uphold

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

“I just wanted to share a quick note and let you know that you guys do a really good job.”

1.1 - In certain jurisdictions, the Uphold Platform allows you to hold, transfer and exchange VCOIN, a cryptographic digital asset built on the Ethereum Network and sold by IMVU, Inc. (“IMVU”) that is intended for use in connection with the virtual world platform operated by IMVU (“VCOIN”). Users wishing to transfer VCOIN onto the Uphold Platform from the IMVU virtual world platform must abide by the IMVU Terms of Service, available here, and a breach of such Terms of Service shall be deemed to be a breach of these Terms. IMVU is not affiliated with Uphold. 

1.2 - VCOIN may only be exchanged on the Uphold Platform for the fiat currency of your home country. Any exchange into fiat currency is subject to any applicable exchange fees or spreads as generally charged to users of the Uphold Platform.

1.3 - All VCOIN purchased on the IMVU virtual world platform must be held for a minimum period of time as set by IMVU prior to it being transferred to the Uphold Platform. IMVU may set maximum daily and monthly amounts that you may transfer to the Uphold Platform and/or convert to fiat currency. IMVU may change these limits at its sole discretion.

1.4 - You acknowledge and agree that VCOIN is not intended by IMVU to be an investment opportunity of any kind and should not be perceived as one, consistent with the factual basis for the no-action relief that IMVU received from the Securities and Exchange Commission Staff with respect to the sale of VCOIN, available at: https://www.sec.gov/corpfin/imvu-111920-2a1. VCOIN is not intended to be treated as a “security” in any jurisdiction.

1.5 - In order to properly process and validate VCOIN transactions between the IMVU virtual world platform and the Uphold Platform, or to link your Uphold account to the IMVU virtual world platform, Uphold may share your Personal Data, including your Uphold account information and transaction history, with IMVU, and IMVU may share certain Personal Data gathered by IMVU with Uphold. All such processing of Personal Data by Uphold is subject to our Privacy & Data Policy as well as IMVU’s Privacy Notice. 

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

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

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. 

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.

VCOIN Terms - Uphold

Digital assets, also referred to as cryptocurrency, are a digital representation of value that function as a medium of exchange, a unit of account, or a store of value. Cryptocurrencies are not legal tender, are not backed by the government or a central bank and generally have no underlying assets, revenue stream, or other source of value tied to fiat currency or other assets. Their value is derived from market dynamics and has historically been more volatile relative to fiat currency and other assets. The unpredictability of the price of cryptocurrency relative to fiat currency may result in significant loss over a short period of time. The value of cryptocurrency may be derived from the continued willingness of market participants to exchange fiat currency for cryptocurrency, which may result in the potential for permanent and total loss of value of a particular cryptocurrency should the market for that cryptocurrency disappear. In certain cases, it may be difficult or impossible to liquidate a position quickly at a reasonable price due to various market factors, including illiquidity or actions by trading facilities. 

Legislative and regulatory changes or actions at national or international level may adversely affect the use, transfer, exchange, and value of cryptocurrencies. Several agencies have also published advisory documents surrounding the risks of virtual currency. For more information see, the Financial Conduct Authority, European Banking Authority, CFPB’s Consumer Advisory, the CFTC’s Customer Advisory, the SEC’s Investor Alerts and FINRA’s Investor Alerts.

Some cryptocurrency transactions shall be deemed to be made when recorded on a public ledger, which is not necessarily the date or time that the customer initiates the transaction. Cryptocurrency ownership is often determined by a decentralized public ledger that associates an amount of cryptocurrency with a unique address defined by a public cryptographic key. A private cryptographic key is required to transfer cryptocurrency from one address to another. Anyone with access to the private key associated with the address can transfer the associated cryptocurrency. Cryptocurrency transfers generally cannot be cancelled or reversed and the identity of the holder of the private key associated with any address can be difficult, if not impossible, to ascertain. The nature of cryptocurrency may lead to an increased risk of fraud or cyber attack. If you are using cryptocurrency held on the Uphold platform to purchase goods or services, we have no visibility into the sellers and cannot control delivery, quality, safety, or legality. Losses due to fraudulent or accidental transactions may not be recoverable. If you have a dispute with sellers or buyers, you agree to deal directly with them and hold Uphold blameless in all disputes. The nature of cryptocurrency means that any technological difficulties experienced by Uphold may prevent the access or use of a user’s cryptocurrency.

Risks Specific To Holding Digital Assets - Uphold

The following categories of businesses, business practices, and sale items are barred from using our services (“Prohibited Businesses”). By opening a Cryptoasset Account with UPE and/or an E-Money Account (in partnership with Optimus) (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 traveller's checks, and escrow services

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

Narcotics, controlled substances, prescription and pharmaceutical services, drug paraphernalia, or any substances designed to mimic illegal drugs

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

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

Funding any of the items included on this Prohibited Businesses list

Extortion, blackmail, or efforts to induce unearned payments

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

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 organisation 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 authorised 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

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.

Eligible Referrers

Eligible Referrals

Qualified Wallet Referrals

Qualified Card Referrals

Referral Promotional Period

General Terms

This agreement sets forth the terms and conditions for participation in the user referral Promotion (the “Referral Promotion”) administered by Uphold HQ Inc. (together with its affiliates, “Uphold”). Only Eligible Referrers and Eligible Referrals, as defined below, are eligible to participate in the Referral Promotion.  Employees of Uphold, its subsidiaries and affiliated companies and their respective directors, officers, employees, agents, representatives, advertising or promotional agencies, members of their immediate families and persons with whom any of the foregoing are domiciled are not eligible to participate in the Referral Promotion.

REWARDS: All Eligible Referrers and referees will receive up to US$40 worth of bitcoin reward for each Qualified “Wallet” and “ Card” Referral (subject to the terms, conditions and limitations set forth herein). The maximum total amount payable by Uphold to any individual Eligible Referrer for any Qualified Wallet Referral is US$400.00 worth of bitcoin and the maximum total amount payable by Uphold to any individual Eligible Referrer for any Qualified Card Referral is US$400.00 worth of bitcoin per calendar month. Payment of a reward for a Qualified Referral will be made within forty-five (45) calendar days from the end of the month of the Qualified Referral, paid via the participants’ Uphold wallet.

Disclaimer: The Uphold Referral promotion is eligible only to customers based in the following countries: the UK, US (excluding the state of New York), Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Iceland, Liechtenstein, Norway, Belize, Costa Rica, El Salvador, Guatemala, Honduras, Nicaragua, Bolivia, Chile, Guyana, Suriname, Uruguay, Haiti, and Puerto Rico.

Join our Referral Program, where all eligible referrers and referees will receive up to US$40 worth of bitcoin reward for a qualified “Wallet” referral.

Referral Program Terms & Conditions - 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

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: Suite A, 6 Honduras Street, London, England, EC1Y 0TH (“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. 

User Agreement - Uphold

United Kingdom

The Staking Program

Special Terms for Users residing Outside of Australia, Canada, the European Economic Area, Mexico, New Zealand, South Africa, South Korea, Switzerland, the United Kingdom, or the United States

Staking and Staking Rewards; Commission; Compounding

Preparation Periods

Unbounding Periods

Maximum/minimum staking limits

Slashing Fees

No Guarantees

Special Terms for ETH Staking

Risks; No Advice

These terms, in addition to our Terms and Conditions and your applicable User Agreement, govern your use of certain staking services on the Uphold Platform. Note that staking services are not currently available in Japan and Singapore, or in other jurisdictions in which Uphold does not generally make its services available. Capitalized terms not defined herein shall have the meaning given to them in the General Terms and Conditions or the applicable User Agreement.

Terms and Conditions for the Uphold Staking Program - Uphold.com

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.