Back

Auto-Invest XRP Reward Program Terms

Last updated Apr 19, 2026

Please read these Program Terms carefully for important information about your rights and obligations in connection with the Auto-Invest Rewards Program ("Program"). The Program is provided by Uphold as defined in your User Agreement that can be found here (“User Agreement”). The purpose of the Program is to reward Eligible Participants who utilize Uphold’s Auto-Invest feature. 

Uphold.com is a Platform providing various products and services to global customers, which are subject to different laws and regulations in different jurisdictions. By making the Program available on Uphold.com and/or any other Uphold websites and applications, including but not limited to mobile applications (collectively, the “Platform”), Uphold is not making, and shall not be regarded as having made or intended to make, an invitation or inducement to you to invest in any Uphold products or services.

    1. These Program Terms (as updated from time to time) govern your access to and participation in the Program, and form a legally binding agreement between you (hereinafter referred to as “you” or “your”) and Uphold (hereinafter also referred to as “us,” “our,” or “we”).

    2. By accessing, using, or attempting to use the Program in any capacity, and/or by clicking on “I agree” to accept any Uphold Services provided by Uphold in connection with this Program, you acknowledge and agree that: (a) you have read, understood, accepted, and agree to be bound by these Program Terms, the User Agreement (the terms of which shall be fully incorporated by reference into these Program Terms), and our Privacy Policy accessible here; (b) you are aware of, and shall assume all risks associated with transactions involving digital assets; and (c) Uphold shall not be liable for any such risks or adverse outcomes relating to the same.

    3. Uphold reserves the right to cancel, suspend, or extend the Program at any time, with or without prior notice, at its sole and absolute discretion. Any changes or amendments to these Program Terms will be effective as of the “Last Revised” date referred to at the top of this page. In this regard, you agree to regularly refer to these Program Terms and any other announcements that Uphold may make from time to time, through such communication channels as Uphold may deem fit. Uphold shall bear no responsibility whatsoever for any losses or damages of any kind that may result from the suspension, modification or early termination of this Program.

    4. Unless expressly defined in these Program Terms, or where the context otherwise requires, all words and expressions used in these Program Terms shall have the same meaning as defined in your User Agreement. For clarity, “Uphold Services” as defined in the User Agreement shall include your participation in this Program. In the event of any conflict between these Program Terms and the User Agreement, the provisions in this Program Terms shall prevail.

    1. The Program shall begin on April 21, 2026 at 12:01 AM Eastern Daylight Time (EDT) and end on July 21, 2026 at 11:59 PM Eastern Daylight Time (EDT) (“Effective Period”).

    1. The Program is open to natural persons who meet all of the following criteria (each, an “Eligible Participant”): 

      1.  reside in the United States, excluding residents of New York, the U.S. Virgin Islands and American Samoa; 

      2. are at least eighteen (18) years of age as of April 21, 2026, at 12:01 AM Eastern Daylight Time (EDT); 

      3. are registered users of the Uphold Platform who have successfully completed identity verification (“IDV”) and all applicable “know your customer” (KYC) procedures as required by Uphold; 

      4. are Uphold customers in good standing and in compliance with the terms of their Uphold User Agreement;

      5. fund their Uphold Account through salary-linked ACH direct deposits (“Direct Deposit”); and

      6. initiate Auto-Invest as a feature in their Uphold Account. 

    2. “Auto-Invest” allows Uphold users who fund their Uphold Account through Direct Deposit to automatically invest all or a portion of their paycheck into crypto assets, metals, and/or a USD Interest Account.

    3. For the avoidance of doubt, an Eligible Participant shall mean only a natural person who receives the salary payment as an individual, and does not include sole proprietors and legal entities receiving payments for the provision of services.

    1. The Program allows Eligible Participants to earn a cashback reward payable in XRP and equal to up to three percent (3%) of the gross amount of each Qualifying Auto-Invest Transaction made through their Uphold Account during the Effective Period (the “XRP Rewards”). For the avoidance of doubt, “gross amount” shall refer to the amount invested before the deduction of any applicable fees or charges.

    2. For purposes of this Program, a “Qualifying Auto-Invest Transaction” shall mean any of the following investments  made on the Uphold Platform using Auto-Invest:

    3. A fiat-to-crypto assets investment; or

    4. A fiat-to-metals investment.

    5. Investments into stablecoins (e.g., USDC, USDT) or into any USD Interest Account are not considered Qualifying Auto-Invest Transactions and are explicitly excluded from the Program. 

    6. Eligible Participants may make multiple Qualifying Auto-Invest Transactions within a single calendar month.

    1. Subject to the applicable Monthly Reward Cap, Eligible Participants will receive XRP Rewards based on their volume of Qualifying Auto-Invest Transactions over any calendar month during the Effective Period as follows:

      1. Two percent (2%) cashback in XRP Rewards will be rewarded to any Eligible Participant who had Qualifying Auto-Invest Transaction volume of  $500 or less (a “2% User”) during any calendar month of the Effective Period; and

      2. Three percent (3%) cashback in XRP Rewards will be rewarded to any Eligible Participant who had Qualifying Auto-Invest Transaction volume in excess of $500 (a “3% User”) during any calendar month of the Effective Period.

    1. The maximum XRP Rewards that may be earned by any Eligible Participant under the Program in any calendar month shall not exceed the applicable monthly reward cap below (each, a “Monthly Reward Cap”):

      1. One hundred fifty U.S. dollars (USD $150) per calendar month in the case of any 2% User; and

      2. Three hundred U.S. dollars (USD $300) per calendar month in the case of any 3% User.

    2. The limitations above apply regardless of the number or cumulative value of Qualifying Auto-Invest Transactions made during the applicable calendar month. No additional XRP Rewards shall be issued for a calendar month once an Eligible Participant has reached the applicable Monthly Reward Cap for that period.

    1. XRP Rewards shall be credited to the Eligible Participant’s Uphold Account paid in XRP. XRP Rewards shall be distributed to an Eligible Participant for the prior month within seven (7) business days of the start of the following calendar month. 

    2. The amount of the digital asset distributed by Uphold shall be determined using its exchange rate to the United States dollar (USD) prevailing at the time of distribution, as reasonably determined by Uphold in its sole discretion. 

    1. Only Auto-Invest transactions funded through salary-linked direct deposit sources are eligible. Manual transfers or peer-to-peer payments do not qualify as Qualifying Auto-Invest Transactions. 

    2. XRP Rewards must be accepted as awarded with no substitutions. 

    3. You are responsible for any costs associated with receiving any XRP Rewards. 

    4. Uphold reserves the right to verify the source and amount of each Qualifying Auto-Invest Transaction and to withhold rewards in cases of suspected fraud, manipulation, or violation of these Program Terms.

    1. The monetary value of any XRP Reward may be considered taxable income received by you in accordance with U.S. tax law. You are responsible for any tax liability related to participating in this Program. Please consult your tax advisor if you have any questions about your personal tax situation.

    1. You acknowledge and agree that the Program and any content, features, or services provided in connection with it, are made available on an “as is” and “as available” basis, without warranties of any kind. 

    2. Nothing in this Program is intended to, and shall not be construed as, providing any financial or investment advice. You further acknowledge that digital assets are highly volatile, and the act of predicting future prices involves inherent risk, which you voluntarily assume. 

    3. To the maximum extent permitted under applicable law, Uphold expressly disclaims, and you agree to waive, any and all other warranties of any kind, whether express or implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, title, non-infringement, or warranties arising from a course of performance, course of dealing, or usage in trade. 

    4. You agree that Uphold shall not be liable for any losses or damages arising out of or relating to (a) any inaccuracy, defect, or omission of digital asset price data; (b) any error or delay in the transmission of such data; (c) interruption in any such data; (d) any maintenance or operational issues that cause suspension or interruption of the Program; or (e) any acts by third parties beyond Uphold’s reasonable control, including illegal or unauthorized actions by others. 

    5. Your participation in the Program does not guarantee earnings or a specific reward amount. XRP Rewards are subject to change and may fluctuate based on market conditions beyond Uphold’s control. In no event will Uphold be liable to you for any decrease in the value of any XRP Rewards or loss of any earned XRP Rewards due to market volatility, technical issues, unmet network minimums or other unforeseen factors.

    1. You understand that digital assets and participating in the Program involves significant risk, including the potential loss of any XRP Rewards. Digital asset values can fluctuate widely and unpredictably. 

    2. By participating in the Program, you acknowledge that Uphold shall not be responsible for any risks, losses, or adverse outcomes resulting from the inherent volatility of digital assets or from your participation in this Program.

    1. To the maximum extent permitted by applicable law, in no event will Uphold, its affiliates, or their respective shareholders, directors, officers, employees, attorneys, agents, representatives, suppliers, or contractors be liable for any incidental, indirect, special, punitive, consequential, or similar damages whatsoever (including, without limitation, damages for loss of data, information, revenue, profits, or other business or financial benefits) arising out of the Program, any performance or non-performance of Uphold Services, or any other product, service, or item provided by or on behalf of Uphold, whether under contract, statute, strict liability, or other theory, even if Uphold has been advised of the possibility of such damages. 

    2. Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitation may not apply to you. 

    3. Notwithstanding the foregoing, in no event will the liability of Uphold, its affiliates, or their respective shareholders, members, directors, officers, employees, attorneys, agents, representatives, suppliers, or contractors arising out of or relating to the Program exceed two hundred ($200) U.S. dollars.

    1. You agree to indemnify and hold harmless Uphold, its affiliates, contractors, licensors, and their respective directors, officers, employees, and agents from and against any claims, actions, proceedings, investigations, demands, suits, costs, expenses, and damages (including attorneys’ fees, fines, or penalties imposed by any regulatory authority) arising out of or related to (i) your participation in the Program, (ii) any breach or our enforcement of these Program Terms, (iii) your violation of any applicable law, regulation, or rights of any third party, or (iv) any misconduct, fraud, or misuse of the Uphold Services. 

    2. If you are obligated to indemnify Uphold, its affiliates, contractors, licensors, or their respective directors, officers, employees, or agents pursuant to these Program Terms, Uphold will have the right, in its sole discretion, to control any action or proceeding and to determine whether Uphold wishes to settle, and if so, on what terms.

    1. All matters arising out of or relating to these Program Terms, including any dispute regarding their existence, validity, or termination, shall be governed by, and resolved in accordance with, the governing law, dispute resolution procedures, and venue provisions set forth in your User Agreement. By participating in the Program, you agree to be bound by such provisions as if fully set forth herein. 

    2. You expressly acknowledge that you are waiving the right to participate in any class action or collective proceeding and that any dispute relating to the Program must be resolved on an individual basis, in accordance with the arbitration provisions set out in the User Agreement.

    1. For a list of XRP Reward winners or a copy of these Program Terms, send a self-addressed stamped envelope to: Uphold Auto-Invest Reward Terms, c/o Uphold HQ Inc., 228 Park Ave. S., New York, NY 10003-1502, with a written request within one year of the Program close date (VT residents may omit return postage for rule requests).

    2. The promoter of this Program is Uphold HQ Inc., 90 New Montgomery Street, Suite 412, San Francisco, CA 94105.

    3. This Program is a rebate-style incentive tied to a qualifying transaction and is not a sweepstakes, contest, or game of chance.