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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. Read our risk summary for qualifying crypto assets.

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

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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.”

This User Agreement (this “Agreement”) is for (i) our customers who are residents of, or who access our Platform from, the United States (“US”) (“US Users”), and (ii) our customers who are residents of Canada, regardless of the location from which they access our Platform (“Canadian Users”, and together with US Users, “Users”). This Agreement governs our services and the access and use of our mobile applications, products, software, websites, APIs (collectively, our “Platform”) and, where applicable, other service providers available on or through the Platform. If you are a US User, then this Agreement is a binding contract between you and Uphold HQ Inc. (“Uphold US”), an entity based in California. If you are a Canadian User, then this Agreement is a binding contract between you and Uphold Operating Canada Ltd. (“Uphold Canada”), an entity based in British Columbia, Canada. When used in this Agreement, the words “you” or “your” mean the owner of the Account and “Uphold”, “we”, “us” and “our” refer to (i) Uphold US with respect to US Users, and (ii) Uphold Canada with respect to Canadian Users.

By using the Platform, you agree to follow and be bound by this Agreement, including any policies referenced herein, which are incorporated herein by reference. We may modify or amend the terms of this Agreement from time to time and at any time, with actual notice to you as required by law, though we will post notice of changes on the Platform to be effective as of the time it is posted. You should look at this Agreement regularly and your continued use of the Platform constitutes your acceptance of any revisions to this Agreement. We will post notice of modified additional terms in the applicable service. If you do not agree to the modified terms for the Platform or any applicable service, you should discontinue your use of the Platform or such service, which shall be your sole and exclusive remedy. In the event of a conflict between this Agreement and any of the policies referenced herein, this Agreement shall control.

Uphold US is not a broker-dealer of any kind and is not a member of the Financial Industry Regulatory Authority (“FINRA”) or the Securities Investor Protection Corporation (“SIPC”). Cryptoasset investments are not protected by Federal Deposit Insurance Corporation (“FDIC”) or SIPC insurance, or any other insurance. Deposits of U.S dollars by US Users that are held in U.S. dollars on the Platform may be eligible for pass-through FDIC insurance covering the failure of the bank in which they are held in an amount up to $250,000 per depositor.

Uphold Canada has applied for registration and for certain exemptive relief under securities laws of certain jurisdictions of Canada, and those applications are ongoing. Uphold Canada is not currently registered under the securities or derivatives legislation of any jurisdiction of Canada, and is operating pursuant to the terms of a pre-registration undertaking delivered to Canadian securities regulators. 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 Canada will be promptly modified or withdrawn. Your Account is not a bank account and fiat currency and/or cryptoassets received or held by us or by you and transacted through the Platform do not earn interest and are not insured by the Canada Deposit Insurance Corporation or any other government agency.

If you are a resident of a country that is a member of the European Economic Area (EEA) or the European Union (EU), your agreement is available here. If you are a resident of the United Kingdom, your agreement is available here. If you reside anywhere else in the world, your agreement is available here. Terms and conditions specific to your use of electronic funds transfers to send U.S. dollars to Uphold US or to withdraw U.S. dollars from Uphold US are available here. Use of the Uphold API and Uphold Connect are subject to an additional Developer Agreement.

You also acknowledge that you have read and consent to the collection, use and disclosure of your information in accordance with our Privacy & Data Policy, and have read and agree to our Cookie Policy and our Developer Agreement (if applicable). You acknowledge the receipt of all regulatory notices and disclosures required by law, including all items provided in the Disclosure Library, crypto asset-specific risk statements, and our Privacy & Data Policy.

User Agreement for Residents and Businesses of the United States and Canada