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How It Works

Holding Money

Uphold is not a bank, by design.

Traditional banks operate what’s known as fractional reserves and make money by loaning out your deposits for interest, exposing these deposits to significant, and sometimes unknown, risk.

At Uphold, we’re different. We maintain a full reserve of all member funds. That means for every dollar, euro, pound, gold or silver held in a member’s Uphold account, Uphold holds an equivalent amount of assets in our reserve.

Our members can rest assured their money is safe, 100% of the time.

Hold your money, how you want it

At Uphold, you can securely store your money in the form of your choice, for as long as you want. You can choose to place your holdings in any number of currencies and commodities by simply creating new Money Cards in your account.

At present, Uphold supports 30+ currencies and commodities, and that list is continually growing to meet the needs of our global members.

Transparent and real-time

At Uphold, we’re committed to total transparency around our reserve holdings at all times. We believe that everyone is entitled to verify our solvency at any point in time, not just quarterly or hidden within complex reports.

On our transparency page, we publish the breakdown of assets and obligations in our reserve, continuously updated using our proprietary Reservechain™ and Reserveledger™ technology. This allows anyone to view our full reserve status at any time. The way banking should be.