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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.”

As part of your use of the Service, you represent and warrant that:

If an individual, you are of the legal age of majority in your jurisdiction, but in all events at least 18 years old;

You have full authority to enter into this Agreement;

You hold a US bank account that will be the source of funds for transfers using the Service and that, unless you are acting as an agent as set forth below, is held in your name and over which you exercise legal authority and control;

You will not be violating any laws or regulations by entering into or by performing any part of this Agreement, or by otherwise using the Service;

You are not an agent acting for an undisclosed principal or third party beneficiary. In the event that you are acting for a third party, you agree to provide us with certified copies of identification evidence of such authorizations that you have received from the third party and obtain our express approval before acting on that third party’s behalf;

All information provided by you as part of your use of the Service is accurate and complete, and you undertake to promptly notify us of any changes to such information;

You will ensure that your contact details provided to Uphold remain accurate and up to date. We will use those contact details to contact you wherever required under this Agreement or in connection with the Service. You may update your contact details at any time by logging in to your Uphold account.

Eligibility

To help the government fight the funding of terrorism and money laundering activities, Federal law requires the Bank to obtain, verify and record information that identifies each person to whom we provide certain types of services. What this means for you when you use our Service we will require you or Uphold to provide us with certain information such as your name, address, date of birth, taxpayer ID, phone number, email address, and other information that will allow us to identify you. We may require you or Uphold to provide documentation, which may include your passport, driver’s license, or other government issued photo identification document. We may also contact you if we have additional questions. By using the Service, you consent to provide this information directly or to allow Uphold to provide this information on your behalf.

Identity Verification Process

All U.S. persons, including U.S. banks, bank holding companies, and non-bank subsidiaries, must comply with OFAC’s regulations. This means that we may institute a hold on your account or your funds, if you are a Specially Designated National, or fall into the scope of a country-based sanction program.

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

You agree not to use the Service for any unlawful activity, and we reserve the right to investigate any suspicious activity or in response to any complaints or reported violations. When investigating any such activity, we reserve the right to report suspected unlawful activity to any appropriate regulatory or similar authority or person and to provide such authority or person any relevant information, including personal data.

Unlawful And Other Impermissible Use

In order to use the Services, you will need to provide your bank account details, including your bank account number and routing number (each such bank account is deemed “Your Bank Account”). You represent that Your Bank Account payment details are correct, that you are authorized to access and transmit funds from Your Bank Account, that Your Bank Account is in good standing with the account-holding financial institution, and that you have the authority to initiate an electronic funds transfer in the amount at issue to or from Your Bank Account. You authorize us to initiate electronic credits and debits to Your Bank Account through the automated clearinghouse (ACH) network in order to process a requested transaction (each a “Transaction”), including any applicable fees and charges. Your authorization shall remain in effect for any Transaction that you have authorized unless canceled in accordance with this Agreement. You authorize us to try any bank transfer again if the initial transfer is rejected by your bank for any reason.

Bank Account Transfer Authorization

In a timely manner and in accordance with applicable Rules, we will process, transmit, and settle Transactions, other than Refused Transactions, that comply with the terms of the Agreement. Debit Transactions shall be settled in an account designated by us with the Bank. Credit Transactions shall be settled from our account to your designated bank account.

Settlement

We reserve the right in our sole discretion to refuse any Transaction. Reasons for refusal may include but are not limited to incorrect bank account details or an insufficient deposit amount. We generally will attempt to notify of you of any refusal, using the contact information provided by you or Uphold, stating (where possible) the reasons for the refusal and whether the problem can be corrected. We will not notify you of a refusal where to do so would be unlawful.

Refused Transactions

We use agents and service providers to help us deliver the Service to you. For example, Uphold manages the Service on our behalf as our agent. Among other functions, Uphold provides customer service and other functions. Uphold is registered as a money service business with the Department of Treasury and Financial Crimes Enforcement Network. Regardless, all services provided by Uphold or other agents or service providers are performed at our direction and subject to our supervision and control and, in every case, we are fully responsible for and liable to you for the Services provided by Uphold as our agent and by any and all other service providers who may support the delivery of the Services to you.

Agents and Service Providers

Once Transactions have been executed, they cannot be reversed, and, except as expressly set out in this Agreement, we will not be liable in any way for any loss you suffer as a result of a Transaction being carried out in accordance with your instructions. If you believe there to be an error in connection with a Transaction, then you should notify us at support@uphold.com.

Errors

Neither we nor any of our agents, affiliates, holding companies, subsidiaries, employees, officers, directors, service providers, or subcontractors will be liable:

For losses or damages alleged to result from our failure to properly complete a Transaction (except where the result of our negligence);

For losses or damages alleged to result from our delay in completing a Transaction;

If, through no fault of ours, you do not have enough money in Your Bank Account or have not timely deposited sufficient funds with us to make the Transaction;

If your system or device was not working properly during your use of the Service and you knew about the breakdown when you started the Transaction;

For errors by your bank, such as the provision of incorrect bank account information for Your Bank Account;

For losses or damage arising from your misuse or inability to use the Service Website, whether due to reasons within our control or not;

For losses or damage to you from our inability to complete a Transaction because we are prohibited by law or for losses or damage caused as a result of actions taken due to our obligations under applicable law or order; or

Due to circumstances beyond our control (such as failure or interruption of telecommunications or data transmission systems) that prevent or affect the Transaction, despite reasonable precautions that we have taken.

Limitations of Liability

IN PROVIDING THE SERVICE TO YOU, NEITHER WE NOR ANY OF OUR AFFILIATES, HOLDING COMPANIES, SUBSIDIARIES, EMPLOYEES, OFFICERS, DIRECTORS, AGENTS, SERVICE PROVIDERS OR SUBCONTRACTORS, MAKES ANY EXPRESS WARRANTIES OR REPRESENTATIONS TO YOU WITH RESPECT TO THE SERVICE EXCEPT AS SET OUT IN THIS AGREEMENT, AND ALL IMPLIED AND STATUTORY WARRANTIES AND REPRESENTATIONS, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE, MERCHANTABILITY OR NON-INFRINGEMENT ARE HEREBY EXPRESSLY DISCLAIMED TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. IN NO EVENT SHALL WE OR ANY OF OUR AFFILIATES, HOLDING COMPANIES, SUBSIDIARIES, EMPLOYEES, OFFICERS, DIRECTORS, AGENTS, SERVICE PROVIDERS OR SUBCONTRACTORS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, SPECIAL, CONSEQUENTIAL, PUNITIVE, EXEMPLARY OR INCIDENTAL DAMAGES, WHETHER BASED ON NEGLIGENCE, WILFUL MISCONDUCT, TORT, CONTRACT OR ANY OTHER THEORY OF LAW, OR FOR ANY DAMAGES FOR LOSS OF DATA, LOSS OF INCOME, FAILURE TO REALIZE EXPECTED REVENUES OR SAVINGS, LOSS OF PROFITS OR ANY ECONOMIC OR PECUNIARY LOSS. WE FURTHER DISCLAIM ANY AND ALL LIABILITY FOR ANY GOODS OR SERVICES BOUGHT OR SOLD BY YOU THAT ARE SETTLED THROUGH YOUR PARTICIPATION IN THE SERVICE.

Disclaimer of Liability

You agree that we are authorized at any time to set-off the funds deposited with us against your debts or liabilities owed to us. We may exercise this right of set-off without notice to you.

Right of Set-Off

We may amend this Agreement at any time by posting a revised version on the Service Website (a “Change”). In the event that there is a Change which happens during the time which we have agreed to perform a Service for you but the Service has yet to be fully completed, the original terms and conditions (prior to any such Change) shall apply until such Service has been fully completed or has been cancelled or terminated in accordance with this Agreement, except where a Change is required by applicable law to take effect sooner. For the avoidance of doubt, any Change relating to the addition of a new service, extra functionality or any such change which we believe in our reasonable opinion neither reduces your rights nor increases your responsibilities shall be deemed to be effective immediately. You are recommended to retain a copy of this Agreement at the time a Service is requested for your records. You also may request a copy from us of the version of the Agreement in effect at the time of a particular Transaction that you have requested by emailing support@uphold.com.

Changes to this Agreement

This Agreement and any claim or controversy arising out of or relating thereto, including any claim in connection with the Service (collectively, a “Claim”) is governed by the laws of the United States and the state of New York, without regard to conflicts or choice of laws principles, whether or not you live in New York. YOU HEREBY CONSENT TO ARBITRATION OF ALL CLAIMS BEFORE A SINGLE ARBITRATOR. THE ARBITRATOR WILL BE SELECTED AND THE ARBITRATION CONDUCTED PURSUANT TO THE CONSUMER ARBITRATION RULES OF THE AMERICAN ARBITRATION ASSOCIATION. NO “CLASS” OR SIMILAR GROUP ARBITRATION SHALL BE PERMITTED. ALL ARBITRATION HEARINGS OR SIMILAR PROCEEDINGS SHALL BE HELD IN NEW YORK, NEW YORK, ALTHOUGH YOU MAY ELECT TELEPHONIC PROCEEDINGS OR WAIVE ANY HEARING. The AAA Consumer Arbitration Rules are available for review at: https://www.adr.org/aaa/faces/rules (click Rules, then click Consumer Arbitration Rules). 

Any arbitral award shall be final and binding and may be enforced by any court of competent jurisdiction.You understand that, in return for your agreement to this Section, we are able to offer you the Service at the terms designated, and that your assent to this Section is an indispensable consideration to this Agreement. You also acknowledge and understand that, with respect to any Claim:

YOU ARE GIVING UP YOUR RIGHT TO HAVE A TRIAL BY JURY;

YOU ARE GIVING UP YOUR RIGHT TO HAVE A COURT RESOLVE ANY SUCH DISPUTE; and

YOU ARE GIVING UP YOUR RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY, OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS, IN ANY ARBITRATION OR LAWSUIT INVOLVING ANY SUCH DISPUTE.

This Section is made pursuant to a transaction involving interstate commerce and will be governed by the Federal Arbitration Act, 9 U.S.C.1-16.

Applicable Law and Arbitration

If any provision of this Agreement is held to be invalid or unenforceable, such provision will be deemed to be modified to the minimum extent necessary to make it valid and enforceable and the rest of this Agreement will not be affected.

Severability

You may not transfer or assign this Agreement to any other person without our prior written consent. We may assign our obligations to you under this Agreement without your consent or any prior notice

Assignment

This Agreement may be provided to you in English or any other language that we support. For the avoidance of doubt, any non-English version of the Agreement is provided for translation purposes only. In the event that any conflict arises between the English and non-English versions of the Agreement, the English version shall prevail

English Language

This Agreement and any document expressly referred to in it constitutes the whole agreement between us and supersedes any previous discussions, correspondence, arrangements or understandings between us.

Entire Agreement

If you have any problems using the Service, you should contact Uphold Support via email, support@uphold.com. Any notice of legal claim or other process pursuant to this Agreement shall be delivered via post to:

Metropolitan Commercial Bank of New York<br />
Attn: Chief Administrative Officer<br />
99 Park Avenue, Manhattan

Notices to Us

“Business Day” is a day Metropolitan Commercial Bank is open to the public for carrying on substantially all of its business (other than Saturday, Sunday, or listed holidays). “Effective Date” must be a business day, or the record will be processed on the first business day following the effective date.

Business days

If you are business or corporate customer performing your own Origination, then you warrant to Metropolitan Commercial Bank all warranties Metropolitan Commercial Bank is deemed by the Rules to make with respect to entries originated by you. Without limiting the foregoing, you warrant and agree that (a) each entry is accurate, is timely, has been authorized by the party whose account will be credited or debited, and otherwise complies with the Rules; (b) each debit entry is for a sum which, on the settlement date with respect to it, will be owing to You from the party whose account will be debited, is for a sum specified by such party to be paid to You or is a correction of a previously transmitted erroneous credit entry; (c) you have complied with all pre-notification requirements of the Rules; (d) you will comply with the terms of the Electronic Funds Transfer Act if applicable or Uniform Commercial Code Article 4A (UCC4A) if applicable and shall otherwise perform its obligations under this Agreement in accordance with all applicable laws and regulations. All authorization records as required by the Rules shall be retained for a period of not less than two years after termination or revocation of such authorization and you will, upon request, furnish such original or copy of authorization records to Metropolitan Commercial Bank. You shall indemnify Metropolitan Commercial Bank against any loss, liability, or expense (including attorneys’ fees and expenses) resulting from arising out of any breach of any of the foregoing warranties or agreements.

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.

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

Other Matters

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

Participation in the Uphold Beta Program

Other Agreements

License Grant and Restrictions

Fees

Term and Termination

Limitation on Liability

Confidentiality

Feedback

Privacy Policy

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.

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

Electronic Transfer Agreement