Automated investment strategies
Expert investing without
being an expert investor
32.9% average historical annual returns* from an automated, data-driven Momentum strategy.**
* Historical testing 2021–2025, average return of annual backtested returns over that time period. Independently back-tested; past performance is not indicative of and does not guarantee future results. Cryptocurrencies are volatile and can fluctuate significantly. Investors should consider their financial ability to continue their investments through periods of low-price levels. ** Autopilot follows fixed rules applied to all users in the strategy - it isn't personalized investment advice, and it isn't guaranteed to profit.
 A handful of trades each year drive most of your portfolio gains. The Momentum strategy keeps you invested when it matters and softens the hit of a falling market.
No trading experience needed, nothing to configure or check.
Your funds stay inside Uphold, no external bots, no API keys needed.Â
Independently back-tested against five years of real market data, including the 2022 crash.*
Top up or withdraw to USD any time. No lockups, no penalties.
*Past and backtested performance don't guarantee future results. Cryptocurrencies are volatile and can fluctuate significantly. Investors should consider their financial ability to continue their investments through periods of low-price levels.
Our Momentum strategy delivered 32.9% average historical annual return and 40% less downside than just holding Bitcoin outright.â€
See Momentum, in motion
How does the Momentum strategy work?
It reviews the market's top ten crypto assets by market cap against its defined criteria and rebalances your portfolio. Â
The strategy buys an asset only when its upward trend is strongly confirmed across three separate time horizons: a short, a medium, and a longer window. This multi-horizon check aims to filter out short-lived spikes and only commit when a move looks real.
In that same review, if the momentum trend weakens, the strategy moves to cash. It aims to soften the impact of a downturn, reducing your exposure as trends break rather than riding a falling asset down.
Prefer full market exposure?
Try the Big10 strategy.
The Big10 is our second strategy: continuous exposure to the ten largest crypto assets by market cap, excluding stablecoins. New entrants sit through a five-day cooldown before joining the portfolio, filtering out short-lived spikes. Unlike Momentum, the Big10 stays invested at all times rather than moving to cash — so it moves with the full range of the market, up and down.
Frequently asked questions
This is an automated, rules-based trading feature built into your Uphold account. Fund and withdraw in USD, any time, no penalties.
The Momentum strategy moves into assets when they show momentum and into cash when momentum breaks. The Big10 strategy stays fully invested across the market's ten largest assets
No, recurring buys purchase one asset on a fixed schedule regardless of conditions; AutoPilot adjusts exposure based on the defined momentum rules.
Autopilot strategies review the market and rebalance weekly, by design to avoid overtrading and reacting to short-term noise. It’s designed as a long-term investment strategy, not for moving in and out of the market.
No strategy can guarantee that. Momentum is designed to soften the impact of a bad market by moving to cash when momentum breaks — in historical testing, that reduced its worst decline by around 40% versus holding Bitcoin outright. That's not protection or a guarantee. Past performance is no guarantee of future results.
No, Autopilot strategies run natively inside your Uphold account.
Yes, there are no lockups and no withdrawal penalties. You can add USD or withdraw your full amount whenever you like. Partial withdrawals are currently not available.
Your assets stay inside your own Uphold account. No external bots or API keys; Uphold holds 100% reserves as a US-regulated platform.
Yes, but it's converted to USD first, and that conversion is a taxable event. Funding and withdrawals both happen in USD.
No. AutoPilot follows fixed, published rules with no discretion. It's an automated execution tool, not personalized advice, and it isn't guaranteed to profit. Cryptocurrencies are volatile and can fluctuate significantly. Investors should consider their financial ability to continue their investments through periods of low-price levels.
* Autopilot automated trading strategies follow fixed rules - it isn't personalized investment advice, it can’t be influenced or changed by users and it isn't guaranteed to profit. Past and backtested performance don't guarantee future results. Cryptocurrencies are volatile and can fluctuate significantly. Investors should consider their financial ability to continue their investments through periods of low-price levels.
†Historical testing 2021–2025, average return of annual backtested returns over that time period. Independently back-tested; past performance is not indicative of and does not guarantee future results. Cryptocurrencies are volatile and can fluctuate significantly. Investors should consider their financial ability to continue their investments through periods of low-price levels.
AutoPilot full terms and conditions can be found here.