Direct Deposit
Get paid. Invest Instantly.
Earn XRP on your crypto and metal Auto-Invest purchases. 3% back for purchases of $500+/mo and 2% back for purchases under $500/mo. Max reward $300/mo. Limited time.Terms apply.1
Â
Getting Started
Get paid early
Receive your paycheck up to 2 days sooner
Invest automatically
Pick the digital assets you want to buy
Â
Earn XRP back on Auto-Invest
Get 3% XRP back on eligible digital asset buys over $500/mo and 2% on lower amounts.
Â
Deposit → split → invest
See Auto-Invest in action
Choose your allocations. We’ll handle the rest.
Frequently Asked Questions
Yes. Auto-Invest will apply as soon as the funds are received.
Of course. You can update your assets, tweak the percentages, or pause and stop it anytime.
If a purchase can't be completed, that amount stays in your USD balance. Successful purchases will appear in your portfolio and transaction history. Your Auto-Invest setup stays the same for next time.
Recurring Buys let you invest a fixed amount into one asset on a schedule.
Auto-Invest splits your paycheck across multiple assets when it arrives. Plus, you can earn up to 3% XRP back.
Earn XRP on your crypto and metal Auto-Invest purchases. 3% back on $500+/mo and 2% back under $500/mo. Max reward $300/mo. Rewards paid in XRP within 7 business days of the following month. Limited time. See terms for details.
Built for the way you bank today
Next-gen finance, done right
Join millions who use Uphold to earn more from their everyday money. No hidden fees. No lockups. Just better value.
Early Paycheck is a service in which we credit your eligible direct deposit transaction up to two business days early. If you already signed up for direct deposit, then you will automatically be enrolled. If you don’t have direct deposit, you must first set up direct deposit to your Uphold account. For instructions go to our FAQs about direct deposit.
The timing of when a transaction will be credited is based on when the payer submits the information to us. This means that when these transactions are credited could vary and you may not receive your funds early. Eligible transactions are certain ACH credit transactions such as payroll, government benefits, pensions or similar transactions. We rely on ACH transaction coding sent to us by the payer to determine if a transaction is eligible for Early Paycheck. The amount you send by ACH must be greater than $0 but less than $10,000. We reserve the right to withhold or suspend Early Paycheck at any time in our sole discretion.
*Early access to funds is dependent on timing of payer's submission of deposits. Most users receive funds 2 days early.
Auto-Invest does not ensure a profit or protect against loss in declining markets. Investors should consider their financial ability to continue their purchases through periods of low-price levels. Investing involves risk, including the loss of principal. The value of your investments will fluctuate over time and you may gain or lose money. The appropriateness of a particular investment will depend on an investor's individual circumstances and objectives. Past performance is no guarantee of future results. Cryptocurrencies are volatile and can fluctuate significantly in response to industry, political, regulatory, market or economic developments.
Uphold and its affiliates do not provide investment, tax or legal advice. These materials and any statements contained herein should not be construed as investment, tax or legal advice.