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Why Uphold is different: we’re the pioneers of radical transparency 

We publish our assets and liabilities in real-time. 

We never loan out customer money… so it’s always available when you need it

Our highly experienced risk team includes ex-financial regulators and a former US prosecutor 

Our operating entities are domiciled and licensed in the US, UK, and EU

We’re subject to regular US State audits.

Why Uphold is different: we’re the pioneers of radical transparency

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Uphold Europe Limited, Reg No. 09281410, Registered Office: Suite A, 6 Honduras Street, London, England, EC1Y 0TH

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Trade $600 and get $50 in BTC as a reward. US users only.

We’re updating Terms and Conditions in the U.S. effective April 13, 2023.

Join over six million customers and experience a new kind of financial freedom.

At Uphold, we make it easy to buy and sell any major digital currency. You can invest, transfer, or send/receive 250+ cryptocurrencies, 27 national currencies, and 4 precious metals.

Buy & Sell BTC, XRP And MORE In Seconds - Uphold

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“I was blown away by how smooth the process of buying XRP was on Uphold...”

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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.

Regulators for United States Residents

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.

Universal Protocol Stablecoin Terms - 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

Your account

Using your account

Fees

Third-party data and quotes

Other matters

State disclosures

User Agreement for Residents of the United States

This User Agreement (this “Agreement”) is for our users who are residents of, or who access our Platform from, the United States (US) and governs the access and use of our mobile applications, products, software, websites, APIs and other services (our “Platform”) and, where applicable, other service providers available on or through the Platform. It is a binding contract between you and Uphold HQ Inc.

By using the Platform, you agree to follow and be bound by this Agreement and the associated General Terms and Conditions, including any policies referenced herein and therein, which are incorporated herein by reference. We may change the terms of this Agreement from time to time and at any time, with or without actual notice to you, though we will post notice of changes on the Platform. You should look at this Agreement regularly and your continued use of the Platform constitutes your acceptance of any revisions to this Agreement. If you do not agree to the modified terms for the Platform, you should discontinue your use of the Platform. In the event of a conflict between this Agreement and the Terms and Conditions, this Agreement shall control.

Uphold HQ Inc. 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”). Cryptocurrency investments are not protected by Federal Deposit Insurance Corporation (“FDIC”) or SIPC insurance, or any other insurance.

If you are a resident of a country that is a member of the European Economic Area (EEA), your User Agreement is available here. If you are a resident of the United Kingdom (UK) your User Agreement is available here. If you reside anywhere else in the world, your User Agreement is 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 agree to our General Terms and Conditions, Privacy & Data Policy, 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 and our Privacy & Data Policy.

United States

Complaints

User Agreement for Residents of Countries Outside of the US, Europe, and UK

This User Agreement (this “Agreement”) is for our users who are residents of, or who access our Platform from, countries outside of the United States, the European Economic Area (EEA), the European Union (EU), or Switzerland, and governs the access and use of our mobile applications, products, software, websites, APIs and other services (our “Platform”) and, where applicable, other service providers available on or through the Platform. It is a binding contract between you and Uphold Worldwide Ltd., Reg No. 16523, Registered Office: Unit #3B, Brysons Commercial Complex, Friars Hill Road, St. Johns, Antigua. 

By using the Platform, you agree to follow and be bound by this Agreement and the associated General Terms and Conditions, including any policies referenced herein and therein, which are incorporated herein by reference. We may change the terms of this Agreement from time to time and at any time, with or without actual notice to you, though we will post notice of changes on the Platform. You should look at this Agreement regularly and your continued use of the Platform constitutes your acceptance of any revisions to this Agreement. If you do not agree to the modified terms for the Platform, you should discontinue your use of the Platform. In the event of a conflict between this Agreement and the Terms and Conditions, this Agreement shall prevail.

If you are a resident of the United States (US), your agreement is available here. If you are a resident of a country that is a member of the European Economic Area (EEA), your User Agreement is available here. If you are a resident of the United Kingdom (UK) your User Agreement is available here. Terms and conditions applicable to equities accounts are available here. Use of the Uphold API and Uphold Connect are subject to an additional Developer Agreement.

Membership Agreement - World - Uphold

Rest of the World

Eligibility

Identity Verification Process

Compliance with Office of Foreign Assets Control (“OFAC”)

Unlawful And Other Impermissible Use

Bank Account Transfer Authorization

Settlement

Refused Transactions

Agents and Service Providers

Errors

Limitations of Liability

Disclaimer of Liability

Right of Set-Off

Changes to this Agreement

Applicable Law and Arbitration

Severability

Assignment

English Language

Entire Agreement

Notices to Us

Business days

Warranties for Businesses or Corporate Originators

An authorized agent of Metropolitan Commercial Bank of New York.

This agreement (the “Agreement”) sets out the terms and conditions governing your use of the Uphold Electronic Transfer Service (the “Service”). The Service is offered through the website with its homepage located at www.uphold.com. Your use of the Services is governed by this Agreement and constitute the legal relationship between you and us.

BY USING THE SERVICES, YOU ARE AGREEING TO BE BOUND BY THE TERMS AND CONDITIONS OF THIS AGREEMENT. PLEASE DO NOT USE THE SERVICES IF YOU DO NOT ACCEPT TO BE BOUND BY THIS AGREEMENT. IT IS IMPORTANT THAT YOU TAKE THE TIME TO READ THIS AGREEMENT CAREFULLY.

As used herein, the terms “Bank”, “we”, “us”, and “our” mean Metropolitan Commercial Bank, and “Uphold” means Uphold HQ Inc. “You” and “your” means the person who is using the Services to transfer funds from a US bank account.

Participation in the Uphold Beta Program

Other Agreements

License Grant and Restrictions

Term and Termination

Limitation on Liability

Confidentiality

Feedback

Privacy Policy

Other Matters

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.

Becoming a user

Use of the platform

Adding value on the platform

Unsupported assets

Termination or cancellation

Inactive accounts

Taxes

Third party services and applications

Electronic communications

Indemnification; Uphold’s rights and remedies

Disclaimer

Hardware and Software Requirements

These General Terms and Conditions (these “Terms and Conditions”) govern the access and use of our mobile applications, products, software, websites, APIs, and other services (our “Platform”) and, where applicable, other service providers available on or through the Platform. By using the Platform, you agree to follow and be bound by these Terms and Conditions, including any policies referenced herein. We may modify these Terms and Conditions or any additional terms that apply to the Platform to, for example, reflect changes to the law or changes to the Platform. You should look at these Terms and Conditions regularly and your continued use of the Platform will constitute your acceptance of any revisions to these Terms and Conditions. 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 service we offer, you should discontinue your use of the Platform or that service.

Your use of the Platform is governed by additional agreements and terms, including our user agreements (each, a “User Agreement”) and any third-party terms and conditions. If you are a resident of the United States (US), your User Agreement is available here. If you are a resident of a country that is a member of the European Economic Area (EEA), your User Agreement is available here. If you are a resident of the United Kingdom (UK) your User Agreement is available here. If you reside anywhere else in the world, your User Agreement is available here. Terms and conditions applicable to equities accounts are available here. Use of the Uphold API and Uphold Connect are subject to an additional Developer Agreement. In the event of a conflict between a User Agreement and these Terms and Conditions, the User Agreement shall control.

General Terms and Conditions - Uphold

General

Digital assets also referred to as cryptocurrency, are a digital representation of value that function as a medium of exchange, a unit of account, or a store of value. Cryptocurrencies are not legal tender, are not backed by the government or a central bank and generally have no underlying assets, revenue stream, or other sources of value tied to fiat currency or other assets. Their value is derived from market dynamics and has historically been more volatile relative to fiat currency and other assets. The unpredictability of the price of cryptocurrency relative to fiat currency may result in significant loss over a short period of time. The value of cryptocurrency may be derived from the continued willingness of market participants to exchange fiat currency for cryptocurrency, which may result in the potential for permanent and total loss of value of a particular cryptocurrency should the market for that cryptocurrency disappear. In certain cases, it may be difficult or impossible to liquidate a position quickly at a reasonable price due to various market factors, including illiquidity or actions by trading facilities. 

Legislative and regulatory changes or actions at the state, federal or international level may adversely affect the use, transfer, exchange, and value of cryptocurrencies. Several federal agencies have also published advisory documents surrounding the risks of virtual currency. For more information see the CFPB’s Consumer Advisory, the CFTC’s Customer Advisory, the SEC’s Investor Alerts and FINRA’s Investor Alerts.

Some cryptocurrency transactions shall be deemed to be made when recorded on a public ledger, which is not necessarily the date or time that the customer initiates the transaction. Cryptocurrency ownership is often determined by a decentralized public ledger that associates an amount of cryptocurrency with a unique address defined by a public cryptographic key. A private cryptographic key is required to transfer cryptocurrency from one address to another. Anyone with access to the private key associated with the address can transfer the associated cryptocurrency. Cryptocurrency transfers generally cannot be canceled or reversed and the identity of the holder of the private key associated with any address can be difficult, if not impossible, to ascertain. The nature of cryptocurrency may lead to an increased risk of fraud or cyber attack. If you are using cryptocurrency held on the Uphold platform to purchase goods or services, we have no visibility into the sellers and cannot control delivery, quality, safety, or legality. Losses due to fraudulent or accidental transactions may not be recoverable. If you have a dispute with sellers or buyers, you agree to deal directly with them and hold Uphold blameless in all disputes. The nature of cryptocurrency means that any technological difficulties experienced by Uphold may prevent the access or use of a user’s cryptocurrency.

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”). 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, or trade secrets of any third party

Narcotics, controlled substances, prescription and pharmaceutical services, drug paraphernalia, or any substances designed to mimic illegal drugs

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

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

Funding any of the items included on this Prohibited Businesses list

Extortion, blackmail, or efforts to induce unearned payments

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

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

Eligible Referrers

Eligible Referrals

Qualified Wallet 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 referees will receive up to US$20 worth of bitcoin reward for each qualified “Wallet” 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 may vary afterward and in such case, Uphold will be not responsible for that. 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: the UK, 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, Romania, Slovakia, Slovenia, Spain, Sweden, Iceland, Liechtenstein, Norway, Belize, Costa Rica, El Salvador, Guatemala, Honduras, Nicaragua, Bolivia, Chile, Guyana, Suriname, Uruguay,  Haiti and Puerto Rico.

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

Promotion Period

Payment

Miscellaneous

Promotion Terms and Conditions - Sign up and Earn

This agreement sets forth the Terms and Conditions (“Terms”) required to participate in this limited time offer administered by Uphold (“Promotion”). Subject to the Terms outlined set forth below, new customers who reside in the United States (“US”) (Excluding New York), may be eligible to receive US$50 worth of Bitcoin (“BTC”) (“Promotion Reward”) when they open sign up for a new account and purchase a minimum of US$600 of any crypto asset/s.