Uphold Direct Deposit & Auto-Invest Sweeps - Official Sweepstakes Rules
Last updated Sep 24, 2026
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NO PURCHASE NECESSARY TO ENTER OR WIN. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. VOID WHERE PROHIBITED.
Please read these Sweepstakes terms (the “Sweepstakes Terms and Conditions”) carefully for important information about your rights and obligations in the Uphold Direct Deposit & Auto-Invest Sweeps: Direct Deposit & Auto Invest Draw (the “Sweepstakes”). The Sweepstakes is administered by Uphold HQ Inc. (together with its affiliates, “Uphold”, “us,” “our,” or “we”). The purpose of the Sweepstakes is to reward Eligible Users (as defined below) who set up and/or fund a Direct Deposit and/or an Auto Invest Plan (each as defined below) on the Platform (as defined below).
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 Sweepstakes 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.
These Sweepstakes Terms and Conditions (as updated from time to time) govern your access to and participation in the Sweepstakes, and form a legally binding agreement between you (hereinafter referred to as “you” or “your”) and Uphold.
By accessing, using, or attempting to use the Sweepstakes in any capacity, and/or by clicking on “I agree” to accept any Uphold products or services provided by Uphold in connection with this Sweepstakes, you acknowledge and agree that:
(a) you have read, understood, accepted, and agree to be bound by these Sweepstakes Terms and Conditions, your Uphold User Agreement (the terms of which shall be fully incorporated by reference into these Sweepstakes Terms and Conditions), and our Privacy Policy accessible on the Platform;
(b) you are aware of, and shall assume all risks associated with transactions involving cryptoassets; and
(c) Uphold shall not be liable for any such risks or adverse outcomes relating to the same.
Who Can Enter
The Sweepstakes is open only to natural persons who (each, an “Eligible User”):
- Are legal residents of the United States, excluding New York and Florida, and any other jurisdiction where prohibited by law;
- Are 18 years of age or older at the time of entry;
- Have successfully completed identity verification (IDV) on the Uphold platform;
- Have a valid and current W-9 TIN form on file with Uphold;
- Have received a promotional invitation from Uphold and opted into the Sweepstakes via the Uphold app or email link OR who have submitted a mail-in entry (See AMOE process below); and
- Are customers of Uphold in good standing at the time prizes are awarded.
Employees of Uphold, its agencies, and members of their respective immediate families are not eligible to participate in the Sweepstakes.
These promotional invitations will be sent at random to those users who meet all the other criteria for this Sweepstakes. Only those users who receive the promotional invitation will be deemed Eligible Users.
Sweepstakes Period
This Sweepstakes runs for a single Sweepstakes Period, commencing on September 28, 2026 at 00:00 ET and ending on October 31, 2026 at 23:59 ET (the “Sweepstakes Period”), unless Uphold otherwise extends or shortens the period at its sole discretion and upon an update to these Sweepstakes Terms and Conditions.
Eligible Activity & Entries
Eligible Users (other than those who enter the Sweepstakes through the AMOE process below) must complete the opt-in process via the Uphold app or email to be eligible to earn entries via Direct Deposit and/or Auto Invest activity. Any Eligible Direct Deposit or Eligible Auto Invest Plan activity completed during the Sweepstakes Period, up to and including the Entry Cap (as defined below), prior to opting into the Sweepstakes will be credited to your total Sweepstakes Entries once the opt-in is completed. There are no bonus entries awarded solely for the act of opting in.
These Eligible Users earn entries (“Sweepstakes Entries”) for each of the following actions, when completed during the Sweepstakes Period, up to and including the Entry Cap (as defined below):
| Action | Sweepstakes Entries |
|---|---|
| Set up and execute an Eligible Direct Deposit (minimum $500 from an external source) | 100 |
| Set up and execute an Eligible Auto Invest Plan (minimum $500/month from an external source and recurring) | 500 |
| Invest additional amounts via Eligible Auto Invest Plan during the Sweepstakes Period (see Investment Tiers below) | Up to 400 additional Sweepstake Entries (see Investment Tiers below) |
“Eligible Direct Deposit” means a direct deposit switch or recurring/one-time ACH deposit set up through Uphold’s Direct Deposit feature, funded from an external source, in a minimum amount of $500, for which a qualifying deposit of $500 or more is successfully credited to the Eligible User’s Uphold account during the Sweepstakes Period. A Direct Deposit set up prior to the Sweepstakes Period remains eligible, provided a qualifying deposit under that Direct Deposit is credited during the Sweepstakes Period.
“Eligible Auto Invest Plan” means a recurring investment plan established through Uphold’s Auto Invest feature, funded via Direct Deposit only, with a minimum recurring investment amount of $500 per month, that is successfully set up and for which at least one recurring investment cycle is executed during the Sweepstakes Period. Auto Invest plans funded via Wire Transfer, or any funding method other than Direct Deposit, do not qualify.
Investment Tiers
Eligible Users who set up and execute an Eligible Auto Invest Plan will earn additional bonus Sweepstakes Entries based on their total dollar amount they invest through Auto Invest during the Sweepstakes Period, determined by the single highest tier reached (tiers are not cumulative or stacked — an Eligible User receives the bonus entries for the highest qualifying tier only, not the sum of all lower tiers):
| Total invested via Auto Invest | Bonus Entries |
|---|---|
| $500 – $999 (minimum only) | 0 |
| $1,000 – $4,999 | 100 |
| $5,000 – $19,999 | 250 |
| $20,000+ | 400 |
Example: An Eligible User sets up and executes a $1,000 Direct Deposit (100 entries) and a $1,000/month Auto Invest plan (500 entries), with the $1,000 investing into the 1,000–4,999 tier (100 bonus entries). Total: 700 Sweepstakes Entries.
The following activities do not qualify as an Eligible Direct Deposit or Eligible Auto Invest Plan, and are excluded from the Sweepstakes:
- Transfers between an Eligible User’s own Uphold accounts, or between an Uphold account and another account held or controlled by the same individual;
- Deposits or recurring investment cycles that are reversed, returned, failed, cancelled, or otherwise not successfully settled;
- Auto Invest plans that are cancelled, paused, or reduced below the $500/month minimum before at least one recurring cycle has executed;
- Funding sourced from Uphold Rewards, staking, referral, or cashback balances, or any other internal Uphold balance, rather than an external source. Only deposits and investments funded from an external, non-Uphold source qualify.
Entry Cap
The maximum number of Sweepstakes Entries an Eligible User may accrue through the Sweepstakes (including Investment Tier bonus entries) shall not exceed one thousand (1,000) Sweepstakes Entries (the “Entry Cap”). Activity in excess of the Entry Cap will not generate additional Sweepstakes Entries.
Simultaneous Incentive Programs
Direct Deposit and Auto Invest activity at the $500+ threshold may simultaneously qualify an Eligible User for the XRP Rewards program (3% cashback at $500+). Participation in this Sweepstakes and participation in the XRP Rewards program are separate, independent programs, each governed by their own terms, and qualifying for one does not affect eligibility for, or entries/rewards earned under, the other.
No Purchase Necessary (AMOE)
To enter the Sweepstakes without setting up a Direct Deposit or Auto Invest Plan, an Eligible User may instead submit legible, handwritten postcards with their: full legal name, address, phone number, Uphold account email, and the phrase: “Uphold Direct Deposit & Auto-Invest Sweeps Draw Entry.”
Mail to:
Uphold Direct Deposit & Auto-Invest Sweeps Draw Entry
c/o Uphold HQ Inc.
228 Park Ave. S., #600629
New York, NY 10003-1502
Each properly completed and postmarked postcard received during the Sweepstakes Period will count as twenty-five (25) Sweepstakes Entries.
Submitting a mail-in entry as described in this Section 6 constitutes your agreement to these Sweepstakes Terms and Conditions and acts as a valid opt-in for the Sweepstakes Period. Eligible Users do not need to opt into the Sweepstakes via the app or email if they are only entering via mail.
No more than forty (40) postcards may be sent by each Eligible User during the entire Sweepstakes Period, such that the maximum number of Sweepstakes Entries an Eligible User may accrue by postcard mailings in this Sweepstakes is 1,000 (40 postcards x 25 = 1,000 Sweepstakes Entries), ensuring parity with the Entry Cap described in Section 4.
No more than five (5) postcards may be sent by each Eligible User per day.
Each postcard must be mailed separately, in its own envelope. Multiple postcards received in a single envelope, or bearing evidence of bulk or simultaneous mailing, will together be counted as a single valid entry (25 Sweepstakes Entries total, not per postcard).
To be counted, mail-in entries must include information sufficient for Uphold to match the entrant to a verified Uphold account in good standing, including full legal name and an Uphold account email. Uphold reserves the right to reject any mail-in entry it cannot verify against an existing Uphold account, or that it determines, in its sole discretion, originates from a resident of an excluded jurisdiction (see Section 1) or was submitted using a false, incomplete, or duplicated identity in an attempt to exceed the postcard limits set forth above.
Deadlines: Mail-in entries must be postmarked no later than the last day of the Sweepstakes Period and received by Uphold no later than 7 days after the end of the Sweepstakes Period to be eligible.
Sweepstakes Prizes
For this Sweepstakes Period, 161 winners will be selected via random drawing to win the following prizes:
| Tier | Prize | Winners |
|---|---|---|
| Headline | $5,000 | 1 |
| Medium | $500 | 10 |
| Smaller | $100 | 150 |
Limit one (1) prize per Uphold account, one per household. Total ARV for this Sweepstakes: $25,000.
Prizes will be delivered in XRP. The USD prize amounts stated above will be converted to XRP based on the prevailing market exchange rate on the Platform at the time of crediting.
The dollar value of the XRP Reward at the time of receipt may be higher or lower than the stated USD prize amount depending on market conditions at the time of conversion.
Uphold is not responsible for any subsequent change in the value of XRP after the Reward has been credited to the winner’s account.
Winner Selection & Notification
Winners will be selected via random drawing following the end of the Sweepstakes Period. Uphold will use reasonable efforts to credit prizes in XRP to winners’ Uphold accounts, and notify winners of their prize, within 30 business days of the end of the Sweepstakes Period. Uphold reserves the right, in its sole discretion, to request an Affidavit of Eligibility and Liability/Publicity Release and/or a W-9 form from a winner as a condition of receiving a prize; if requested, failure to provide this documentation within 7 days may result in forfeiture of the prize and selection of a substitute winner based upon a random drawing from among all eligible entries received during the Sweepstakes Period. Where Uphold requests such documentation, the applicable prize will not be credited until Uphold has received and verified it.
General Conditions
Uphold reserves the right to disqualify users engaging in rapid setup and cancellation of Direct Deposit or Auto Invest plans, self-funding (including funding from external accounts owned or controlled by the same individual for the sole purpose of qualifying for this Sweepstakes), circular funding between an Eligible User’s own accounts, or any other activity intended to artificially inflate Sweepstakes entries without genuine, durable deposit or investment intent. Uphold may deny or reverse any prize granted in error or obtained through such manipulation.
Odds of winning depend on the total number of eligible entries received, including AMOE entries.
Creating multiple Uphold accounts to obtain additional Sweepstakes Entries is prohibited and will result in disqualification.
Uphold reserves the right to modify, suspend, or terminate the Sweepstakes at its sole discretion.
Uphold is not responsible for delays caused by compliance reviews or circumstances beyond its control.
The participant receiving a prize is responsible for any costs associated with claiming that prize, and is solely responsible for the reporting and payment of any and all taxes that may result from claiming a prize in this Sweepstakes.
Prizes must be accepted as awarded with no substitutions except at Uphold’s sole discretion. Prizes are non-transferrable. Uphold shall bear no responsibility whatsoever for injuries, losses, or damages of any kind that result from acceptance, possession, and/or use of any prize.
Uphold is not responsible for technical or computer errors, or for late, lost, illegible, damaged, postage due, misdirected, misidentified, or incomplete entries. Participation in the Sweepstakes in any way tampered with, incomplete, illegible, or mechanically reproduced, or submitted by or through fraudulent means, may be disqualified in the sole discretion of Uphold. This includes any entry that does not comply with these Sweepstakes Terms and Conditions in any respect.
Decisions of Uphold are final on all matters of fact, interpretation, eligibility, procedure, and fulfillment in respect to these Sweepstakes.
Any personally identifiable information collected during an individual’s participation in the Sweepstakes, or by Uphold, will be collected and used by Uphold and their agents for the purposes of the proper administration and fulfillment of the Sweepstakes as described in these Sweepstakes Terms and Conditions, for compliance with applicable laws, rules, and regulations (e.g., winners lists), and for the purposes set forth in Uphold’s Privacy Policy available at https://uphold.com/legal/privacy-policy.
Risks
Making deposits or investments involving digital assets involves risk. Nothing in these Sweepstakes Terms and Conditions or the Sweepstakes constitutes investment advice, a recommendation, or a solicitation to buy or sell any asset, and participation in the Sweepstakes does not require or encourage any specific investment strategy. Past performance of any cryptocurrency is not indicative of future results. These Sweepstakes do not constitute financial, investment, or legal advice. You should consult a qualified financial advisor before making investment decisions.
To learn more about cryptoasset investment risks, click the link here.
Disputes
Except where prohibited, participants agree that:
(1) Any and all disputes, claims, or causes of action arising out of or connected with the Sweepstakes or any prizes awarded shall be resolved individually, without resort to any form of class action, and exclusively by arbitration or alternate dispute resolution, as selected by Uphold, to take place in Marin County, California;
(2) Any and all claims, judgments, and awards shall be limited to actual out-of-pocket costs incurred in participation but in no event attorney’s fees; and
(3) Under no circumstances will a participant be entitled to obtain awards for and participants hereby waive all rights to claim punitive, incidental, and consequential damages and any other damages, other than for actual out-of-pocket costs, and any and all rights to have damages multiplied or otherwise increased.
(4) Except where prohibited, all issues and questions concerning the construction, validity, interpretation, and enforceability of these Terms and Conditions and the decisions of Uphold in connection with the Sweepstakes shall be governed by and construed in accordance with the laws of the State of California, without regard to conflict of laws doctrine.
Promoter
The promoter of this Sweepstakes is Uphold HQ Inc., 90 New Montgomery Street, Suite 412, San Francisco, CA 94105.
For a list of Sweepstakes winners or a copy of these Terms and Conditions, email [email protected] with the subject line ‘Uphold Direct Deposit & Auto-Invest Sweeps Request,’ within one year of the end of the Sweepstakes Period.