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Please note: like most trading venues, we display the current mid-market rates in our price charts. When you trade, you get the current bid or ask price depending on whether you are buying or selling. There is always a slight difference between the mid-market and the current bid or ask prices. This is a natural result of how Exchange order books work.

Digital currencies are very high risk. Do not invest money you can’t afford to lose. Please consider the suitability of crypto for your individual position before trading.

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

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Buy & Sell BTC, XRP And MORE - 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 a cryptographic stored value token that is strictly pegged 1:1 to a fiat currency or a commodity (a “Universal Stablecoin”) and built on the Ethereum Network by Universal Protocol Pte. Ltd. (“UPP Ltd.”). UPP Ltd. is a subsidiary of a Singapore trust whose beneficiary is the Universal Protocol Alliance, a coalition of cryptocurrency and blockchain enterprises, of which Uphold’s affiliate is a member, which has advanced the development of the Universal Protocol Platform, on which Universal Stablecoins are based . By obtaining or using Universal Stablecoins, you understand and expressly agree to these Universal Protocol Stablecoin Terms, and you acknowledge that you have reviewed and understand each of the statements made in these Terms. UPP Ltd. maintainsat all times within a reserve an amount of fiat currency or commodity underlying the Universal Stablecoins for the exclusive benefit of t the holders thereof that is equal to or greater than the amount of Universal Stablecoins issued and in circulation. You can view the balance of U.S. dollars, Euro or other fiat currency or commodity pegged to the respective Universal Stablecoin and the amount of Universal Stablecoins held by the holders thereof on the Universal Protocol Alliance Transparency Page. Uphold’s Transparency Page shows the obligations and assets of Universal Stablecoins held on the Uphold Platform.

1.2 - Each Universal Stablecoin on the Platform corresponds to a related fiat currency, such as a U.S. dollar or Euro, or to a related commodity, such as a Bitcoin, gold, or carbon credits (each, a “Substantiating Asset”). Each Substantiating Asset is held on deposit in one or more accounts maintained at banks (in the case of fiat currency) or in custody with other partners (in the case of commodities) (in each case, a “Substantiating Account”) that are s: (i) under the control of UPP Ltd., or where the Substantiating Account is held via Uphold, under the control of Uphold; (ii) separate from UPP Ltd.’s and Uphold’s business, operating and other reserve bank accounts; (iii) established specifically for the benefit of holders of Universal Stablecoins; and (iv) with respect to Substantiating Accounts of fiat currency, represents a banking deposit relationship with each bank. You agree and understand that Substantiating Accounts do not create or represent any direct relationship between you and any of our banks or other custodial partners and you cannot redeem a Universal Stablecoin at any of such banks or partners. U.S. dollars supporting each Universal Dollar on the Platform are held on deposit in one or more Substantiating Accounts at one or more insured depository institutions located in the United States with the intention that the deposits supporting each Universal Dollar in an Account would be eligible for FDIC “pass-through” deposit insurance, subject to the applicable limitations under the rules and regulations of the FDIC, including the Standard Maximum Deposit Insurance Amount (currently up to $250,000 per depositor, per deposit type at any one depository institution). Other non-fiat currency Substantiating Assets are held by the custodial partners on a commingled basis for the benefit of the relevant Universal Stablecoins holders who are the beneficial owners thereof entitled to the rights and privileges of beneficial ownership and possession of the underlying asset upon redemption thereof.

1.3 - You agree and understand that only verified users in eligible jurisdictions may exchange Assets for Universal Stablecoins and/or Universal Stablecoins for the relevant Substantiating Asset at Uphold. With respect to using cryptocurrencies in these transactions, the Value in your Account will first be converted into the Value of fiat currency or vice versa, which may be subject to fees. For example, a verified user may exchange U.S. dollars (or other permitted Supported Asset) for UPUSD at a 1:1 exchange rate of U.S. dollars for UPUSD in one or more Fiat Accounts. 

1.4 - Verified users wishing to redeem their Universal Stablecoins pegged to a fiat currency or other commodity that is independently a Supported Asset on the Platform (e.g., Bitcoin) for the Substantiating Asset may do so by electing to redeem the asset in return for an equivalent amount of the relevant fiat currency or Supported Asset, as applicable (without interest or any other financial return). The fiat or other Supported Asset underlying the amount of Universal Stablecoins you redeem from your Account will be credited to your corresponding Account balance at the time of deposit.

1.5 - Verified users wishing to redeem their Universal Stablecoins pegged to commodities that are not independently a Supported Asset on the Platform (e.g., physical gold or carbon credits) in their Account for the Substantiating Asset may do so using the following procedures:

    1.5.1 - For UPXAU: UPXAU tokens are substantiated on a 1:1 basis with GoldPass Certificates issued by InfiniGold, the exclusive technology provider of The Perth Mint, a corporation owned and insured by the Government of Western Australia. Each GoldPass Certificate is in turn substantiated on a 1:1 basis with one ounce of gold held in the reserves of The Perth Mint. If you wish to redeem your UPXAU for physical gold, you must set up a GoldPass account with The Perth Mint here using the same email address connected to your Uphold account and send the UPXAU to the redemption account designated by Uphold; once this GoldPass account is created and the UPXAU has been received in the Uphold redemption account, your GoldPass account will be credited with the appropriate amount of GoldPass Certificates. You may then follow the GoldPass procedure for delivery of physical gold. GoldPass may charge you a separate fee for the delivery of physical gold. Note that GoldPass currently does not support delivery of physical gold to all jurisdictions (current list of available jurisdictions is available here: http://www.perthmintbullion.com/us/TermsConditions.aspx).

    1.5.2 - For UPCO2: UPCO2 tokens are substantiated on a 1:1 basis with Verified Carbon Units (VCUs) that each represent a reduction or removal of one tonne of carbon dioxide equivalent (CO2e) achieved by a validated and verified project. If you wish to redeem UPCO2 tokens via Uphold by retiring the underlying VCUs, either click on the “Burn/Retire Now” button on the Uphold platform or send an email to universalcarbon@uphold.com with your request, containing the email address associated with your Uphold Account and the amount of UPCO2 tokens to be burned and the associated VCUs retired. Upon receipt of the burn/retire request, the relevant amount of UPCO2 will be transferred from your account to an escrow account held by Uphold for the purpose of burning UPCO2 and retiring the underlying VCUs. Twice per month, Uphold will aggregate all outstanding burn/retire requests from its users and submit an omnibus request to UPP Ltd. to burn the UPCO2 credits and UPP Ltd. or its designee will formally retire the associated VCUs on the appropriate registry. In addition to the receipt provided to you upon your transfer of UPC02 to the Uphold escrow account, Uphold will deliver a receipt of retirement to you upon the actual retirement of the VCUs on the appropriate registry. The retirement process may take 2-3 weeks. Once a VCU has been retired, it cannot be reversed. 

1.6 - If you are not a verified user of the Uphold Platform, by obtaining or using Universal Stablecoins, you agree and understand that obtaining or using Universal Stablecoins does not create or represent any relationship between you and Uphold or you and UPP Ltd. and does not subject Uphold or UPP Ltd. to any obligations whatsoever as they relate to you. Neither Uphold nor UPP Ltd. currently charges end users fees for the creation, redemption, or use of Universal Stablecoins, but you are subject to our usual fees for exchanging Value. We reserve the right to charge fees in the future and, if so, will notify you prior to such fees being assessed. You may be required to pay mining fees for transfers of the Universal Stablecoins on the Ethereum Network. You are solely responsible for all mining fees as well as all other costs and expenses incurred with respect to obtaining or using Universal Stablecoins on the Ethereum Network.

1.7 - You agree and understand that individuals or entities affiliated with Uphold may hold, purchase, sell, or otherwise engage in transactions using or involving Universal Stablecoins. Uphold’s affiliate is a founding member of the Universal Protocol Alliance (the “UP Alliance”), a coalition of cryptocurrency and blockchain enterprises which has advanced the development of the Universal Protocol Platform, on which Universal Stablecoins are based, and serves as a Council member of the UP Alliance, which controls UPP Ltd. You further agree and understand that such persons may engage in this activity for, among other reasons, the purposes of making markets in Universal Stablecoins, promoting transactional activity that utilizes Universal Stablecoins, or otherwise supporting the use or adoption of Universal Stablecoins and the Universal Protocol Platform. You agree and understand that no individual or entity, whether affiliated with Uphold, UPP Ltd. or otherwise, is under any obligation to and has not affirmatively committed to, either begin engaging or continue engaging in such activities. All holders and users of Universal Stablecoins further agree and understand that such activities may affect the market for, and pricing of, any Assets involved in these activities. No such activity will affect the 1:1 peg of the Universal Stablecoin to the relevant fiat currency or other commodity.

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

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.

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.

Universal Protocol Stablecoin Terms - Uphold

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

United States

Eligible Referrers

Eligible Referrals

Qualified 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 Qualified Referral (both defined below) will each receive US$20 worth of bitcoin reward for each Qualified 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 is volatile and Uphold will be not responsible for any change in value. 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: 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, Slovakia, Slovenia, Spain, Sweden, Iceland, Liechtenstein, Norway, Argentina, Bolivia, Brazil, Belize, Chile, Colombia, Costa Rica, Dominican Republic, Ecuador, Guatemala, Guyana, Honduras, Nicaragua, Panama, Peru, Puerto Rico (a territory of the United States), Paraguay, Suriname, El Salvador and Uruguay. (collectively, the “Referral Countries”).

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.

Uphold Website and App

Limits on the Type, Frequency or Amount of EFTs

Your Rights and Responsibilities

Amendments

Termination

Electronic Fund Transfers: Your Rights and Responsibilities

This disclosure contains important information about your use of electronic fund transfer (“EFT”) services in relation to your Uphold Account (“Account”).  Whenever you accept or authorize EFTs, you agree to these terms and conditions, in addition to any other applicable limitations in the User Agreement. Please read this document carefully and retain it for future reference.

Website: https://support.uphold.com/hc/en-us/requests/new

Mailing Address: 228 Park Ave. S.,  #50458, New York, NY 10003-1502

Electronic Fund Transfer Agreement

Electronic Funds Transfer Agreement

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”). Please note that Uphold HQ retains the right to reject any business applicant based on evolving risk tolerances and the requests of our banking partners.

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, trade secrets of any third party, or stolen goods

Narcotics, controlled substances, prescription and pharmaceutical services, drug paraphernalia, or any substances designed to mimic illegal drugs ( includes legal high or cannabinoids)

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

Casinos, lotteries and gambling (online or in-person)

Initial Coin Offering vehicles, except where permitted by and with our prior written permission

Prostitution (including internet adult content subscription services), adult entertainment, dating escort services

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

Extortion, blackmail, or efforts to induce unearned payments

Weapons and ammunition, including military manufacturers, dealers and intermediaries

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

Decentralized Autonomous Organizations (DAOs)

Explosives and polytechnic products, glues, essential oils and chemicals

Direct marketing (mail order or telephone orders, catalog sales, outbound telemarketing, inbound teleservices, audiotext & videotext, outbound telemarketing, travel, including discount travel clubs, or insurance)

Funding any of the items included on this Prohibited Businesses list

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

Prohibited Businesses and Prohibited Use - Uphold

US Regulators and Customer Complaints - 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. 

VCOIN Terms - Uphold

Introduction

Risks in Trading Crypto Assets

Risks Associated with your Account

General Risks Associated with Crypto Assets

‍Safekeeping of Crypto Assets

This Uphold Canada – Platform Risk Statement (Risk Statement) is for our customers (or Users) who are residents of Canada and is incorporated by reference into the online Terms of Service (Terms) that you understand and accept upon the opening of your Uphold account (Account). 

This Risk Statement includes important disclosures about your use of Uphold's crypto asset trading platform (the Uphold Platform). 

Uphold is, as required by regulation, applying for registration and for certain exemptive relief under securities laws of certain jurisdictions of Canada, and those applications are ongoing. There is no guarantee that registration and the requested exemptive relief will be granted.  In the event the registration or requested exemptive relief is not granted, the services provided by Uphold may be modified or withdrawn. Uphold is not currently registered under the securities or derivatives legislation of any jurisdiction of Canada and has not been granted an exemption from any requirements of securities or derivatives legislation of any jurisdiction of Canada.

No Canadian securities regulatory authority or regulator has assessed or endorsed the Crypto Contracts (as defined below) or any of the crypto assets made available on the Uphold Platform, including providing any opinion that a crypto asset is not a security and/or derivative. 

By using the Uphold Platform or any other services related thereto (collectively, the Services), you understand that there are substantial risks associated with the purchase, sale and use of crypto assets through us, and you are agreeing to familiarize yourself and assume any and all such risks, including those discussed herein. 

Platform Risk Statement - Canada

Becoming a User.

Use of the Portal.

License.

Governing Law.

Third Party Information.

Intellectual Property.

Term.

Termination.

Non-Waiver.

Assignment.

Enforceability.

Survival.

Force Majeure.

Limitations of Liability.

Disclaimer.

These Uphold Institutional Portal Terms (“Portal Terms”) govern your access to and use of the Uphold Institutional Portal website and/or app (the “Portal”), to access the cryptoasset trading platform offered by the Uphold Group (the “Platform”). The Portal and the Platform are offered by entities that form part of the Uphold Group, depending on the jurisdiction of residence of the end user, including Uphold HQ Inc. (for customers residing in the United States), Uphold Europe, Ltd. (for customers residing in the UK), Uphold Lithuania UAB (for customers residing in the EEA), Uphold Operating Canada, Ltd. (for customers residing in Canada), and Uphold Worldwide Ltd. (for customers residing anywhere else the Portal is made available). These Portal Terms are issued on behalf of the relevant member of the Uphold Group based on the jurisdiction you reside in (“Uphold”, “we”, “us”, “our”) and are a legally binding contract between us and you, the individual end user, together with any company that you represent (“you” or “your”) collectively “the Parties”. 

These Portal Terms supplement the general terms and conditions applicable to the Platform (the “Platform Terms”), which are available here. To the extent these Portal Terms conflict with the Platform Terms, these Portal Terms will control. Any capitalized terms not defined herein will have the meaning given to them in the Platform Terms.

By utilizing the Portal, you agree to follow and be bound by these Portal Terms, including any policies referenced herein. These Portal Terms, together with any additional terms that apply to the Portal, may be modified without notice to reflect changes to the law or the Portal. You should regularly review the Portal Terms and your continued use of the Portal will constitute your acceptance of any revisions to these Portal Terms. 

Please refer to our Privacy Policy and Cookies Policy to explain how Uphold collects, uses and shares any personal information shared by you when accessing the Portal.

Uphold Ascent Terms & Conditions

General risks common to all crypto-assets

Stablecoins

Memecoins

Due to the potential for losses, the Financial Conduct Authority (FCA) considers this investment to be high risk.