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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.”

The purpose of the Uphold beta program (the “Beta Program”) is to make alpha, beta, seed, and other pre-release products, services and software, and related documentation, materials, and information (collectively, the “Pre-Release Products”), available to Beta Program participants from time to time for the purpose of providing Uphold with feedback on the quality and usability of the Pre-Release Products. You understand and agree that participation in the Beta Program is voluntary and does not create a legal partnership, agency or employment relationship between you and Uphold. You understand that your participation in the Beta Program does not obligate Uphold to provide you with a Pre-Release Product. Uphold reserves the right to modify the terms, conditions, and policies of the Beta Program from time to time, and to revoke your participation in the Beta Program at any time. If Uphold makes changes to the terms and conditions of this Agreement, then Uphold will present such revised terms and conditions to you on our website.

This Agreement is a binding contract between you and Uphold HQ Inc. (“Uphold”). In order to participate in the Beta Program, you must be an active Uphold user subject to the applicable Uphold User Agreement (“User Agreement”), as well as be in compliance with any other agreements related to the use of the Pre-Release Products (“Other Agreements”).

By participating in the Beta Program, you certify that you are of the legal age of majority in the jurisdiction in which you reside (at least 18 years of age in many countries) and you represent that you are legally permitted to join the Beta Program. 

This Agreement is void where prohibited by law and the right to become a Beta Program participant is not granted in such jurisdictions. 

Participation in the Uphold Beta Program

If the Pre-Release Product is accompanied by any Other Agreements, you agree to comply with such Other Agreements and that the terms and conditions of such Other Agreements, as well as your User Agreement, shall govern your use of the Pre-Release Product to the extent not inconsistent with this Agreement. Any inconsistencies between the provisions of the Other Agreements or your User Agreement and this Agreement shall be governed by this Agreement; provided that, if the Pre-Release Product is accompanied by a separate license in any related Other Agreement, you agree that the license accompanying such Pre-Release Product, shall govern instead of Section 3 of this Agreement.

Other Agreements

Subject to your compliance with this Agreement, Uphold hereby grants you a personal, limited license to use the Pre-Release Product solely for testing and evaluation purposes and only in connection with this Beta Program. This license does not grant you the right to use the Pre-Release Product for any other purpose, or to disclose, reproduce, distribute, modify or create derivative works of the Pre-Release Product. You agree not to decompile, reverse engineer, disassemble, decrypt, or otherwise attempt to derive the source code of any software related to the Pre-Release Product (except as and only to the extent the foregoing restrictions are prohibited by applicable law, or to the extent as may be permitted by licensing terms governing the use of open sourced components included with any such Pre-Release Product). Subject to the rights of any third party contained in the Pre-Release Product, you certify that the Pre-Release Product will only be used for testing and evaluation purposes in connection with the Beta Program, and will not be rented, sold, leased, sublicensed, assigned, distributed or otherwise transferred. Uphold retains ownership of all Pre-Release Products, and except as expressly set forth herein, no other rights or licenses are granted or to be implied under any Uphold intellectual property.

License Grant and Restrictions

There are no fees for your participation in the Beta Program under this Agreement, however you are responsible for all fees or costs associated with the use of the Pre-Release Product in accordance with the terms and conditions thereof stated in your User Agreement and any Other Agreements.

Fees

Unless otherwise terminated as specified under this Agreement, your rights with respect to the Pre-Release Product will terminate upon the earlier of (a) the initial commercial release of a generally available version of the Pre-Release Product or (b) in accordance with the terms and conditions of your User Agreement or any Other Agreements. Uphold shall immediately terminate this Agreement and any rights with respect to the Pre-Release Product without notice in the event of improper disclosure of the Beta Program as specified under Section 7 below. 

We reserve the right, in our sole discretion, to limit your use of the Pre-Release Product, including limiting or prohibiting specific types of transactions. 

If you would like to discontinue the use of the Pre-Release Product or terminate this Agreement, you may do so by emailing preview@uphold.com. 

The rights and obligations of the parties set forth in Sections 6, 7 and 8, and any applicable rights and obligations under your User Agreement or Other Agreements by their terms, shall survive termination or expiration of this Agreement for any reason.

Term and Termination

Provision of the Pre-Release Product under this Agreement is experimental and shall not create any obligation for Uphold or any third party to continue to develop, productize, support, repair, offer for sale or in any other way continue to provide or develop the Pre-Release Product. THE PRE-RELEASE PRODUCT IS PROVIDED “AS IS” WITHOUT ANY EXPRESS OR IMPLIED WARRANTY OF ANY KIND INCLUDING THE WARRANTIES OF MERCHANTABILITY OR FITNESS FOR ANY PARTICULAR PURPOSE. IN NO EVENT SHALL UPHOLD OR ANY THIRD PARTY BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, BUSINESS INTERRUPTION, LOSS OF INFORMATION) ARISING OUT OF THE USE OF OR INABILITY TO USE THE PRE-RELEASE PRODUCT, EVEN IF UPHOLD OR SUCH THIRD PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Limitation on Liability

You acknowledge and agree that the existence and terms of the Pre-Release Product and the Beta Program are confidential information of Uphold and its third party providers. You agree not to disclose the existence of the Pre-Release Product or the Beta Program or make any comments regarding Pre-Release Product or any aspect of the Beta Program to any third party, including without limitation via social media, without the prior written approval of Uphold. You will maintain the confidentiality of the Pre-Release Product and the Beta Program with at least the same degree of care that you use to protect your own confidential and proprietary information, but not less than a reasonable degree of care under the circumstances. You will not be liable for the disclosure of any confidential information which is: (a) in the public domain other than by a breach of this Agreement on your part; (b) rightfully received from a third party without any obligation of confidentiality; (c) rightfully known to you without any limitation on use or disclosure prior to its receipt from Uphold; or (d) generally made available to third parties by Uphold without restriction on disclosure.

Confidentiality

You agree to report any flaws, errors or imperfections discovered in any aspect of the use of Pre-Release Product and Beta Program to preview@uphold.com. You understand that prompt and accurate reporting is the purpose of the Beta Program and undertake to use reasonable efforts to provide reports on all aspects of the Pre-Release Product both positive and negative, subject to your confidentiality obligations in Section 7, including answering questions posed by Uphold employees involved in the Beta Program. You acknowledge that any improvements, modifications and changes arising from or in connection with your use of the Pre-Release Product, remain or become the exclusive property of Uphold.

Feedback

Beta program participants agree that Uphold may collect usage, metrics and other statistics during the course of the program for collective analytical purposes and program modifications and enhancements. All other data collected pursuant to the Beta Program will be treated in accordance with our Privacy & Data Policy, which is incorporated by reference into this Agreement.

Privacy Policy

Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches. This Agreement shall not be construed to waive rights that cannot be waived under applicable consumer protection laws or regulations. Unless otherwise agreed in writing, this Agreement sets forth the entire understanding and agreement between you and us as to the subject matter hereof, and supersedes any and all prior discussions, agreements and understandings of any kind (including without limitation any prior versions of this Agreement), and of every nature between and among you and us. This Agreement, and any rights, obligations and licenses granted hereunder, may not be transferred or assigned by you, but may be assigned by us without notice or restriction, including without limitation to any of our affiliates, parents or subsidiaries, or to any successor in interest. Any attempted transfer or assignment in violation hereof shall be null and void except that, subject to the limits herein, our agreement will bind and inure to the benefit of the parties, their successors and permitted assigns. If any provision of this Agreement is held by a court to be invalid or unenforceable, such provision will be changed and interpreted to accomplish the objectives of the provision to the greatest extent possible and any such finding shall not affect the enforceability of any other provision. You agree that the laws of the State of New York, without regard to principles of conflict of laws, govern this Agreement and any claim or dispute between you and us except to the extent governed by U.S. federal law. You consent and submit to the exclusive jurisdiction of the courts (state and federal) located in the State of New York, County of New York in connection with any dispute or controversy arising under or related to this Agreement or the subject matter hereof.

Other Matters

Please read and agree to our terms and conditions if you wish to participate in the Uphold Beta Program. You must be an active Uphold user.

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. 

Business Days (US): Monday through Friday, excluding bank holidays in the US.

Introduction/Scope

Becoming a User

Use of the Platform.

Description of the Account and Assets

Adding Value on the Platform.

Supported and Unsupported Assets.

Transactions on the Platform

Additional Services

Termination or Cancellation

Inactive Accounts

Data Security.

Taxes.

Customer Complaints, Error Resolution, and Arbitration

Third Party Services and Applications

Electronic Communications

Indemnification; Uphold’s Rights and Remedies

Disclaimer

User Agreement for Residents of the United States

Membership Agreement USA

Eligible Referrers

Eligible Referrals

Qualified Wallet 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. and Uphold Lithuania UAB (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$20 worth of bitcoin reward for each qualified “Wallet” Referral (subject to the terms, conditions, and limitations set forth herein). The maximum payable by Uphold to any individual Eligible Referrer for any Qualified Referral is capped to a total of 20 Qualified Referrals 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. The reward’s value for the fiat currency will be calculated at the moment of the payout, i. e. when the bitcoin is transferred to the client’s Uphold wallet. Please be noted, that the value of the bitcoin may vary afterward and in such case, Uphold will be not responsible for that. For more information on related risks please read Uphold’s General Terms and Conditions.

Disclaimer: The Uphold Referral promotion is eligible only to customers based in the following countries: 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, Argentina, Belize, Brazil, Costa Rica, El Salvador, Guatemala, Honduras, Nicaragua, Bolivia, Chile, Guyana, Paraguay, Peru, Suriname, Uruguay, Haiti and Puerto Rico.

Join our Referral Program, where all eligible referrers and referees will receive up to US$20 worth of bitcoin reward for a qualified “Wallet” referral.

Referral Program Terms & Conditions - Uphold

Eligibility

Identity Verification Process

Compliance with Office of Foreign Assets Control (“OFAC”)

Unlawful And Other Impermissible Use

Bank Account Transfer Authorization

Settlement

Refused Transactions

Agents and Service Providers

Errors

Limitations of Liability

Disclaimer of Liability

Right of Set-Off

Changes to this Agreement

Applicable Law and Arbitration

Severability

Assignment

English Language

Entire Agreement

Notices to Us

Business days

Warranties for Businesses or Corporate Originators

An authorized agent of Metropolitan Commercial Bank of New York.

This agreement (the “Agreement”) sets out the terms and conditions governing your use of the Uphold Electronic Transfer Service (the “Service”). The Service is offered through the website with its homepage located at www.uphold.com. Your use of the Services is governed by this Agreement and constitute the legal relationship between you and us.

BY USING THE SERVICES, YOU ARE AGREEING TO BE BOUND BY THE TERMS AND CONDITIONS OF THIS AGREEMENT. PLEASE DO NOT USE THE SERVICES IF YOU DO NOT ACCEPT TO BE BOUND BY THIS AGREEMENT. IT IS IMPORTANT THAT YOU TAKE THE TIME TO READ THIS AGREEMENT CAREFULLY.

As used herein, the terms “Bank”, “we”, “us”, and “our” mean Metropolitan Commercial Bank, and “Uphold” means Uphold HQ Inc. “You” and “your” means the person who is using the Services to transfer funds from a US bank account.

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 sources 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 the state, federal or international level may adversely affect the use, transfer, exchange, and value of cryptocurrencies. Several federal agencies have also published advisory documents surrounding the risks of virtual currency. For more information see the 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 canceled 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.

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.

Your daily or weekly add-funds limits, remove-funds limits, transaction limits and transfer limits are based on the information you provide to us. Users who wish to use the Uphold platform must establish an account with us by, at minimum:

Providing a government-issued ID – such as a passport or driver’s license (a second form of government-issued ID may be required to surpass certain transaction thresholds), and 

Users who wish to add or remove value using an available fiat transfer must, at minimum:

Add and verify a bank account, credit and/or debit card;

Provide additional details, including their residential address and government-issued document and/or social security number; and

We also may require that you provide or verify additional identifying information or to wait some amount of time a transaction before permitting you to use the Uphold platform at all or at any given level. 

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.

The following categories of businesses, business practices, and sale items are barred from using our services (“Prohibited Businesses”). 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, 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 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

Regulators for United States Residents

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.

Universal Protocol Stablecoin Terms - Uphold

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 VCOIN 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. 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. 

Beta Program Agreement