Uphold FAQs

Yes.

Note:In an effort to provide increased account security, Uphold has implemented a Time-based One-Time Password (TOTP) algorithm for Two-Factor Authentication. Read more about the benefits of TOTP and why it's the easiest, most secure solution.

Here's how to set up Two-Factor Authentication on your Uphold account using the mobile app :

our support team

Here's how to set it up on the web wallet on Uphold:

You will need to download and use an authentication app to receive secure single-use push "codes". You'll get a "2FA Key" on signup that you'll need to save for use with the 2FA app. Copy this key to add it to the authentication app.

The Time-based One-Time Password (TOTP) gives Uphold members flexibility to use the Two-Factor Authentication app of their choice. There are numerous authentication apps to choose from, including:

Google Authenticator

Microsoft Authenticator

Authy

1Password

LastPass

Once downloaded, you will want to use the same phone number and email address associated with your Uphold account, this will enable the Uphold platform to recognize your account and streamline the process.

If you are having issues with the verification code, or are unable to receive it here are a few common troubleshooting tips:

I'mhaving problems installing the authentication app:

Learn how to set up Two-Factor Authentication on your Uphold account using the mobile app or web app.If you have any questions regarding this topic or if you require further assistance please contact our support team.

I no longer have the same phone number:

Please visit our FAQ for instructions with instructions on how to update/change your phone number. I'm using a landline or a Google Voice Number:

2FA does not fully support landlines. If you already registered a landline, pleaseconsult the following FAQ for instructions on how to reset your phone. Google voice numbers are also not recommended. More information can be found here.If you have any questions regarding this topic or if you require further assistance please contact.

Every Money Card in your Uphold account has a cryptocurrency address.

Visit your Uphold dashboard

Click on the card you want to add money to

Click the "Add Funds" tab and then choose "Fund with Cryptocurrency or Utility Token"

Choose a currency to send funds from

You will be presented with the card's cryptocurrency address and QR code

In an effort to provide increased account security, Uphold has implemented a Time-based One-Time Password (TOTP) algorithm for Two-Factor Authentication. Learn more about setting up Two-Factor Authentication on your Uphold account using the web app or mobile app.

If you have Two-Factor Authentication enabled and are having issues signing in, here are a few common troubleshooting tips:

I can't find the verification code.

Make sure that youre using the same device and 2FA app thatyou'vepreviously configured with TOTP.

If thats the case, open the 2FA app and find the Uphold entry that uses the email associated with your Uphold account.

To prevent using expired codes, please pay attention to the 2FA app timer when copying a verification code.

I can't find my authentication app.

Make sure that you are using the same device thatyou'vepreviously configured with TOTP.

If thats the case, use the search function from your device to locate the 2FA app.

If youdon'tremember which 2FA appyou'vepicked to configure TOTP, you can find a list of popular apps here.

If the app is no longer installed but you have the setup key, please follow the instructions to restore 2FA: How do I restore Two-Factor Authentication using my setup key?

My mobile device/laptop was stolen/lost.

If you have the setup key, follow these instructions to restore 2FA for your account: How do I restore Two-Factor Authentication using my setup key?

If you no longer have your setup key, please contact our support team.

If you have any questions regarding this topic or if you require further assistance please contact our support team.

Sign in to your Uphold account.

When you sign in, youll be prompted to configure the new Two-Factor Authentication (2FA) method.

If youre a current Uphold member using Authy, youll be asked to enter the 7-digit verification code from Authy to begin the setup process.

Download your preferred authentication app.

Scan the QR code or enter the key provided in the Uphold web app to set up a new account in your authentication app.

Once your Uphold account is added, return to the Uphold web app, enter the 6-digit code from your new authentication app, and click next to verify.

Important note: you will be given a key for your new authentication method. Make sure this is stored in a safe place as you will not have access to it later.

Here is an easy to follow how-to guide for setting up Two-Factor Authentication from the Uphold web app:

If your ID isn't being accepted by Uphold, or you're seeing an error on registration, here's a few fixes you can try.

Make sure you have the latest version of your internet browser. You can download the latest version from here: http://outdatedbrowser.com/en

Verify if the file size is bigger than 8 Mb. Try with a smaller file size - for example, 2 MB.

Try to reset your internet connection (router or modem).

Internet connection restrictions could be the cause (firewall, anti-virus) - please try from another network, for example if you are trying from your office, try it from your home network.

Please note thatscanned documentation will not be accepted.

When taking a selfie, do not take a picture of a picture - itneeds to be a "live selfie."

If you are still experiencing problems uploading your ID, please open a support ticket and send usa "print screen" of the error message or problem when uploading the ID. (Not sure how to do a screenshot? Try http://supportdetails.com.)

Yes. If you're sending money from a bank based in a SEPA country, sending money to one of Uphold's accounts shouldnt cost any more than a regular local transfer fee. Your transfers will be received in Upholds SEPA compliant accounts. For most people, this means the SEPA transfer should be totally free. Please refer to your bank for details on transfer fees, as those are not fees charged by Uphold.

SEPA (or the Single Euro Payments Area ) is a payment initiative for simplifying cross-border Euro (EUR) bank transfers within participating European countries.

European Commission (EC) Regulation 924/2009 requires a bank in any EEA country to charge the same for transferring Euro (EUR) to another EEAcountry as it does to transfer Euro (EUR) within its country.

Simply put, SEPA aims to make cross-border Euro transfers within the EEA the equivalent to a domestic transfer within your own country. For the full list of SEPA scheme countries, visit the latest listing at the European Payments Council website. For more information on the regulation, visit the European Commission site.

Uphold uses a Time-based One-Time Password (TOTP) algorithm for Two-Factor Authentication. The TOTP algorithm is an extension of the HMAC-based One-Time Password algorithm (HOTP), generating a one-time password by taking uniqueness from the current time.

TOTP token services rely on a physical device, rather than a phone number. In addition to increased security, TOTP provides benefits that include working without an internet connection and compatibility with a range of applications like Google Authenticator, Microsoft Authenticator, Authy, and password managers like 1Password and LastPass.

Read more about the supported Two-Factor Authentication apps for TOTP.

To create an Uphold account,visit uphold.com/signup and follow the three step sign-up process:

Input your email, password, account type and country of residence (note: Residents of China are also required to submit a government-issued identification number)

Submit your first and last name, state (if applicable), date of birth, and a phone number

Enable Two-Factor Authentication.

If youhavealready created an account, and need to retrieve your password, please go here:

uphold.com/password/forgot

To create a business account, find out more here.

Sign in to the Uphold app.

When you sign in, youll be prompted to configure the new Two-Factor Authentication method (2FA). You can also set up 2FA from the app settings menu (under Security).

If youre a current Uphold member using Authy, youll be asked to enter the 7-digit verification code from Authy to begin the setup process.

Download (or open) your preferred authentication app.

Scan the QR code or enter the key provided in the Uphold app to set up a new account in your authentication app.

Once your Uphold account is added, reopen the Uphold mobile app, enter the 6-digit verification code from your new authentication app, and click next to verify.

Important note: you will be given a key for your new authentication method. Make sure this is stored in a safe place as you will not have access to it later.

Here is an easy to follow how-to guide for setting up Two-Factor Authentication for your iOS or Android device:

The Time-based One-Time Password (TOTP) gives Uphold members flexibility to use the Two-Factor Authentication app of their choice. Google Authenticator is the most popular option, but there are numerous authentication apps to choose from, including:

Google Authenticator

Microsoft Authenticator

Authy

1Password

LastPass

If youre unable to log into Uphold because your phone is lost, stolen, or otherwise inaccessible, we can reset the phone number associated with your Uphold account.

Please contact our support team and send us the following information to comply with our security guidelines:

A photo of the front and back of your government-issued ID

A selfie of yourself holding a government-issued ID and a document with the following written message Uphold, change of phone number" and the date of the request, eg: 10/28/2018.

contact our support team

Please include in the body of your request:

The last 4 digits of your social security number

The phone number currently linked to your account

The phone number you would like to replace it with

Please note that this information is secure when sent through our support system. Our dedicated agents will verify your information as quickly as they can.

If you have any questions about this process or the required information, please .

The Time-based One-Time Password (TOTP) algorithm gives Uphold members flexibility to use the Two-Factor Authentication app of their choice, including Google Authenticator.

Visit this page for instructions to install the Google Authenticator app.

-Open your Google Authenticator App-Click on + to add a new account-Click on manual entry-Enter the email address of your Uphold account-Enter the setup key that you saved when you configured TOTP.

Now youre ready to set up Two-Factor Authentication using the Uphold mobile app or web app.

Additional information about TOTP.

Select from any of your current money cards that hold value; in this example, we are using the EUR card

Click on the EUR card

Select transfer between cards

Select LBA

Select the value/amount you would like to send to your LBA card; in this example, we sent 220. (You can also click use all funds to simply transfer all value in the card to your LBA card)

Review transaction and click confirm to complete the transaction

You can confirm this and any transaction within your Uphold wallet by visiting the activity tab within your wallet.

Bitcoin can be a great way of adding, sending, or withdrawing value from your Uphold account, and because the Bitcoin Network is global, it can be used by almost anyone around the world.

There are many exchanges available, such as Bitstamp, Bittrex and Poloniex. These services help you buy, sell and trade cryptocurrencies. Some regions even services where you can purchase bitcoins using Bitcoin ATMs.

To add value to your Uphold Wallet with bitcoin:

1 - Click on the Uphold money card you want to add money to, navigate to the "Add Funds" tab and choose the "With Cryptocurrency" option. Its the icon in yellow:

nuestro area de soporte bilingue

2 - For bitcoin, click on the Bitcoin Network.

3 - Your bitcoin address will appear, as well as the market rate, exchange fees and a QR code. This address or QR code is what is needed to complete the transfer of funds.

4 - Login to your bitcoin exchange account and follow the prompt they provide to send bitcoin to an external digital wallet.

5 - Once the funds have been transferred, your Uphold money card will reflect the new balance, as provided by the days prevailing market rate and, if it you sent the bitcoin to any card other than a BTC card, the currency conversion fee will apply.

6 - Now you're ready to use your funds! You can send money to another Uphold member or anyone in world with an email address, or you can make purchases online using our Virtual Mastercard. Learn how to issue an instant prepaid card and start shopping !

To withdraw bitcoin:

1 - To withdraw funds, head to the card with the money you wish to withdraw as Bitcoin.

2 - Click the "Use Funds" tab and select "Send to Cryptocurrency Address." It will be the icon on the right side of your dashboard.

3 - Now enter the address of the external bitcoin address you are sending funds to, as well as the amount and currency of your choice.

NOTE:

Please be aware that once initiated, transfers cannot be undone.

Fund withdrawals are periodically subject to delays that are beyond Upholds control. In periods of high activity, or when changes to the Bitcoin Network are implemented, it can sometimes take one hour or more for bitcoin transactions to clear. Until the transaction clears, any value sent to a card will be marked as "pending" and will not be available for other transactions. We are conscious of the sensitivities around any delays to a withdrawal process and endeavor to prioritize resulting Support cases in order to, at minimum, provide the affected party with current information, if not expeditious resolution to the issue.

Tiene dudas o preguntas sobre el Mastercard Virtual de Uphold? Contact .

You should always keep your 2FA key in a safe place, and ready for you to use withyour preferred authentication app. If you change devices, your TOTP code can come with you.

Copy, paste, and enter your setup key in your new authentication app.

Once your Uphold account is added, reopen the Uphold app and enter the 6-digit verification code from your authentication app.

If you've lost your two-factor authentication key, please get in touch with our support team and be prepared to reverify your ID information.

Sign in to your account at uphold.com

In the dashboard, select the card you want to send funds from

Under Use Funds, select Send to Member or Email

Enter the recipients email address,the amount you wish to send and add a note (optional)

Tap on Confirm to review the transaction details before sending

Enter the 2-Step verification code and tap Confirm

Note: If the recipient already has an Uphold account, the funds will be instantly available. If not, an invite to join Uphold will be sent by email.

Once you've successfully funded your account, your value is stored on an Uphold Money Card. You'll start with several default cards. To create a new card, click to "Cards" on your dashboard and click "add card/currency". Give your card a nickname to find it more easily.

click to view

You can move your value to another card and hold your value as one of our supported currencies using your Uphold Money Cards. When you're on one of your cards with value on it, click to "transfer between your cards",

Add the amount you wish to convert, then click the Uphold Money Card you wish to move your funds to. You'll see your transfer happen instantly:

To find out more about rates and fees, please click for a complete list of Account Funding & Withdrawals Costs and Limits.

You can all of your cards and star your favorites to easily organize them to the dashboard. (You cannot delete an Uphold Money Card at this time.)

If you're a Creator looking to change your default currency, please click to your Brave Publisher Dashboard. Once you're logged in, scroll to "Deposit Currency" and click "Change":

Here's more

You can then change your preferred deposit currency on the next pop-up screen:

Click confirm, and you're done! Your Brave Publisher payout will now arrive a new Uphold money card in your preferred currency. (Please note: you cannot delete an Uphold money card at this time. about how your Uphold wallet is organized.)

Uphold, a cloud based financial services platform that enables anyone, anywhere to move, convert, hold and transact in any form of money or commodity instantly and securely. Uphold has powered more than $1 billion in transactions by members across 181 countries.

Uphold serves businesses, developers, NGO's, non-profits and individuals. For businesses and developers, Uphold serves as a platform on which to extend the benefits of cloud money to their own business or to their customers. For individuals, Uphold serves as a wallet for easy, instant, safe and affordable financial services.

With Upholds open API, businesses and developers around the world can integrate with or build upon the Uphold platform to deliver instant, transparent, global, secure and innovative cloud money solutions to their customers. Simply put, Uphold is the Internet of Money.

Uphold seamlessly connects the legacy financial system to the digital economy.

Uphold is free to join and we offer a range of services to our verified members, including:

Hold financial value denominated in a range of currencies or precious metals

Send financial value to any Uphold member, anywhere, instantly, securely, and for free

Exchange value between denominated currencies, at market exchange rates, instantly

Exchange value denominated in precious metals, at market exchange rates, instantly and at low fees

Organize your value with Uphold moneycards

Uphold operates on a 100% reserve model, backing all member stores one-for-one in holdings, unlike traditional banks, which operate a fractional reserve. The structure of our full reserve is published in real-time on our transparency page and all transactions are instantly, immutably and anonymously recorded and visible on our Reserveledger.

With the ability to hold, send and receive value denominated in a range of currencies and commodities, consumers and businesses can service their global needs and where applicable, protect themselves from volatile currencies.

Please note: this is a summary of Uphold and our business. The legal obligations between Uphold and its members are controlled by the Uphold Membership Agreement. Uphold's Member Agreement for China is available here.

Uphold cannot recover your 2FA app setup key. If you are unable to locate this key, please contact our support team so they can provide the steps to reset 2FA on your Uphold account.

On the Uphold platform, we make a distinction betweenmembers who haven't verified their identity and those who have. If you haven't yet verified your identity, you are subject to a transaction limit of $1000 U.S. dollars.

Uphold requires all members to become verified members when the cumulative value of their lifetime transactions (excluding the addition of funds to their accounts) exceeds $1,000 US dollars.

Becoming a verified member not only provides you with access to incredible cost-saving benefits, it also helps keep your transactions safe and secure. By verifying that our members are who they say they are, we are able to keep the entire Uphold network protected from bad actors.

In addition to your increased security, your verified membership gives you access to more of the following perks and privileges:

- Ability to add or withdraw funds to and from your Uphold account using bank transfer [1]- Pre-release access to new currencies and Money Cards- Insider tools, tips and product information before the rest of the world- And a growing list of exclusive benefits & rewards to come!

To show our continued appreciation, we'll develop and improve our membership program on an ongoing basis in order to provide you with the best benefits and privileges possible.

To become a Verified Member, click here.

[1] Available for members with bank accounts in selected countries.

With Uphold, you can choose to hold your value in a variety of currencies and precious metals.For the most up-to-date details on the currencies we offer, please visitour Transparency page.

Currencies- Argentine Peso (ARS)- Australian Dollars (AUD)- Brazilian Real (BRL)- Canadian Dollars (CAD)- Danish Krone (DKK)- Euros (EUR)- Hong Kong Dollars (HKD)- Indian Rupee (INR)- Israeli Shekel (ILS)- Kenyan Shillings (KES)- Mexican Pesos (MXN)- New Zealand Dollars (NZD)- Norwegian Krone (NOK)- Philippine Peso (PHP)- Polish Zloty (PLN)- Pounds (GBP)- Singapore Dollars (SGD)- Swedish Krona (SEK)- Swiss Franc (CHF)- U.S. Dollars (USD)- United Arab Emirates Dirham (AED)- Yen (JPY)- Yuan (CNY)

Precious Metals

- Gold (XAU)- Platinum (XPT) - Palladium (XPL)- Silver (XAG)

Cryptocurrencies & Utility Tokens

- Basic Attention Token (BAT)- Bitcoin (BTC)- Bitcoin Gold (BTG)- Bitcoin Cash (BCH)- Dash (DASH)- Ethereum (ETH)- LBA Token (LBA)-Litecoin (LTC)- Universal Bitcoin (UPBTC)- XRP (XRP)

Stablecoins

- Universal Dollar (UPUSD)- Universal Euro (UPEUR)

Were working hard to add more currencies and commodities in order to support our global members. If there is a currency or commodity you would particularly like to see, please get in touch with our support team.

Direct bank account funding and withdrawals are currently offered to Uphold members in the following countries:

Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland and the United States and United Kingdom*.

There are certain daily, weekly, and monthly limits for transactions. Please read more about these limits here.

Important Note: Account funding and withdrawals in the United Kingdom are currently EURO only, our GBP pound sterling support will be temporarily suspending as of [7.20.18].

Tap Menu and select Withdraw.

Select the asset you want to withdraw.

Choose a card if you have more than one.

Select a withdrawal method:

U.S. bank account - select or add US bank account;

Eurozone bank account - enter destination SEPA Bank details;

Crypto wallet - enter or scan destination wallet address.

Enter the amount and message (optional).

Tap Preview withdrawal.

Enter 2-Step verification code.

Tap Confirm withdraw.

In order for the transaction to be completed on Uphold, it must be firstconfirmedon the blockchain network.

To verify if your transaction has already been confirmed on the blockchain, please select the transaction on Uphold, and click on the "Blockchain Transaction ID" link:

A blockchain transaction typically requires 3 confirmations for deposits and 1 confirmation for withdraws:

The bitcoin network sometimes experiences a slowdown, as miners take longer to include transactions within the mempool into new blocks. That's something outside of Uphold's control.

If your transaction is not confirmed yet, all you have to do is wait, it may take a short while, but please be reassured that your transaction will be confirmed.

Were pleased to offer account funding via debit/credit cards. This feature is currently offered to all verified Uphold members, with the exception of those members in the countries listed here. If you have not yet verified your account, please click here to login and complete the verification process.

Uphold currently accepts Visa and Mastercard.

Important Update: Deposits made via credit/debit card will be immediately available for use within your Uphold wallet. In an effort to ensure the security of your account, there is a 24 hour settlement period before you can withdraw or send funds deposited via credit/debit card to another member.

Please Note that:

You must be a verified member of Uphold to fund your account via credit card.

Uphold only supports VISA and MASTERCARD.

We require that all debit/credit cards are 3D secure eligible 3D(To determine if your card supports 3D Secure, you can contact your credit/debit card provider directly or simply try adding it to your Uphold account)

If your card is not 3D secure eligible, you will receive an error message and the transaction will fail. Select banks will require various steps to authorize the initial purchase using 3D secure. Which may include communication from your bank to verify the transaction.

Account funding & withdrawal costs and limits

To connect your credit or debit card to your Uphold account:

Head to any of your cards and click "Add Funds," or go to Settings and Funding Methods

Click "Add Credit/Debit Card"

Fill in the card details and click "Create". We recommend you give your credit/debit card a name (in the field: Label) so you can easily identify it later, e.g., My personal MasterCard

Limits and Fees

Your card will then be linked to Uphold and available for transactions. Funds you add using a credit or debit card are subject to a fee (3.99%).

When funding by credit or debit card, a minimum of $50 50 50/day and a maximum of $1600 can be funded per week. For further details about our credit card fees and limits, please visit our FAQ:

To add funds to your Uphold account using your connected credit or debit card:

Head to any of your Money Cards and click "Add Funds"

Choose the credit or debit card you have previously added

Select how much money you'd like to add, accept the terms and click "confirm"

How many Credit Cards can I link to my Uphold account?You can add up to 3 debit/credit cards to your Uphold account.How long will my Credit Card transaction take?Credit and debit card transactions are processed instantly for verified accounts.What is Uphold Credit Card Merchant Category Code?Our MCC code is 6051 - "Other Financial Services". Some credit cards may fail to process if merchants configured to exclude this code.

Due to service suspension by the service provider, WEX, Uphold has suspended our Virtual debit card product. We are happy to share we will be issuing a refund for those who held a VMC balance at the time of service suspension along with a full refund of the 5% card creation fee.

If eligible for a refund, you will receive two separate transactions from Uphold, one will be the refund of the VMC balance, that will reference the name of the VMC similar to the Zappos test below, and the second will be the card creation fee refund.

We have been working to finalize an alternative that will bring better service and options for our customers. We apologize for the inconvenience and look forward to bringing an optimal product offering to our members.Please note: This means any and all VMC cards had been canceled and any pending transactions may be rejected.

On the main screen, you can see your entire holdings and overall balance at a glance. This includes:

Total balance in your default currency;

Variation in total account balance over time;

Portfolio balance in graph form.

A list of each of your assets held at Uphold with:

Market rate in your default currency;

% variation in market rate;

Balance in default currency;

Balance in asset currency.

To explore further, click on one of your assets.

Please get in touch with our support team so that we can assist you with closing your account.

"Multi-device is disabled. to enable open Authy on your other device and go to Settings -> Devices"

https://authy.com/blog/understanding-authys-multi-device-feature/

This message will appear if you have installed Authy on another device and disabled "Allow Multi-Device".

The best practice would be to install Authy on at least two devices and then disable Allow Multi-Device after that.

If you are unable to access the other device where Authy is installed, please contact Authy support for additional help:

By email: [email protected]

By Web Form: https://support.authy.com/hc/en-us/requests/new

Additional information:

https://authy.com/blog/multi-multi-factor-authentication/

Weve introduced a cooldown period for manually-linked U.S. bank accounts to protect our members from the industry-wide problem of escalating levels of fraud. In brief, this means that youwon'tbe able to send money to cryptocurrency networks (or anyone else by email) until 60 days after your first deposit from a newly-linked U.S. bank account.

As an alternative to this cooldown period, simply link your bank account using Plaid.

At the present time, UPTis not available to residents of the U.S. or any countries that prohibit the sale of digital assets or cryptocurrencies or persons who are subject to applicable sanctions or are located, organized or resident in a country or territory that is the subject of applicable sanctions.

UPT is not available in the following countries:

AustraliaBangladeshBahrainBoliviaCanadaCongoCentral African RepublicChinaCubaDominican RepublicAlgeriaEcuadorEritreaEthiopiaGhanaGuamHong Kong, SAR ChinaHeard and Mcdonald IslandsIndonesiaIsraelIndiaIraqIran, Islamic Republic ofJapanKorea(North)South KoreaKuwaitKazakhstanLiechtensteinSri LankaLesothoLithuaniaLibyaMoroccoMyanmarMacao, SAR ChinaNorthern Mariana IslandsMaltaMexicoMalaysiaNamibiaNepalNew ZealandOmanPhilippinesPakistanPuerto RicoQatarSaudi ArabiaSudanSingaporeSomaliaSouth AfricaSouth SudanSyrian Arab Republic(Syria)ThailandTunisiaTrinidad and TobagoTaiwan, Republic of ChinaUnited Arab EmiratesUgandaUS Minor Outlying IslandsUnited States of AmericaUS Virgin IslandsVietnamYemen

Note: deposits from the UPT network will be available soon.

Universal Protocol Token (UPT) is the industrys first Mega Utility Token, created by the Universal Protocol Alliance, a coalition of leading blockchain companies with a combined ecosystem of more than 10 million users.

UPT will offerholders attractive interest rates when lending and borrowing; lower exchange fees; as well as cash back and trading discounts from certain Alliance members.

The Alliance consists of top industry names including Uphold, Cred, CertiK, Blockchain at Berkeley, Bittrex Global and OmiseGO.Beginning November 20th at 4pm UTC (10am US Central), UPT will be available for purchase on Uphold.com and Bitcoin.com Exchange for non-US account holders.

If you would like to learn more about the Universal Protocol Alliance, download the whitepaper, or to obtain more information on the listing, please visit www.universalprotocol.io

Note: deposits from the UPT network will be available soon.

UPT is not available to residents of the U.S. or any countries that prohibit the sale of digital assets or cryptocurrencies or persons who are subject to applicable sanctions or are located, organized or resident in a country or territory that is the subject of applicable sanctions.

In an effort to better protect and to keep our customers safe, we review every application developed on our platform prior to it being released to the public. We evaluate applications for quality, user experience, and security.

If you are just getting started, we recommend you develop your application in our sandbox environment first. Our sandbox environment uses pretend money, and is free of all restrictions allowing developers to freely develop and test their products, and evaluate the platform for their business.

Then, after you have built and tested your product in our sandbox environment, contact us at [email protected] and a representative will guide your organization through the application submission process.

Funding & Withdrawal Limits

CHANNEL

Funding

Withdrawal

Cost

Limit

Cost

Limit

Debit/

Credit Card*

3.99%

Min:$50/day50/day50/day

Max:$1500/week

--

--

Bank Transfer

Plaid

Free

Min:$25/day

Max:$2500/day

$3.99 flat rate

Min:$5/day

Max:$10,000/day

Bank Transfer

ACH

Free

Min:$25/day

Max:$500/day

$3.99 flat rate

Min:$5/day

Max:$10,000/day

Bank Transfer

SEPA

Free

Min:75/transaction

$3.99 flat rate

Min:10/dayMax:50,000/day

Bitcoin

Litecoin

Ethereum

BCH

BTG

LBA

UPBTC

UPUSD

UPEUR

Free

None

$2.99 flat rate +

0.0003 BTC

0.003 LTC

0.005 ETH

0.0003 BCH

0.0003 BTG

50 LBA

0.0003 UPBTC

0.99 UPUSD

0.99 UPEUR

Min:

0.00001 BTC

0.25 LTC

0.001 ETH

0.00001 BCH

0.0001 BTG

0.001 LBA

0.00001 UPBTC

0.01 UPUSD

0.01 UPEUR

BAT

DASH

XRP

Free

None

BAT Fee Waived

0.0003 DASH0.001 Dash InstantSend

XRP Fee Waived0.1 XRP Network Fee

0.1 BAT

0.0001 DASH

0.001 XRP

Daily, weekly and monthly volumes are calculated according to a sliding window, respectively of the last 24 hours, 7 days or 30 days.

Our fees:

Conversion Fee

US Dollar (USD)

Euro (EUR)

British Pounds (GBP)

Universal US Dollar (UPUSD)

Universal Euro (UPEUR)

0.65%

Japanese Yen (JPY)

Swiss Francs (CHF)

Mexican Pesos (MXN)

Canadian Dollars (CAD)

Australian Dollars (AUD)

New Zealand Dollars (NZD)

Hong Kong Dollars (HKD)

Singapore Dollars (SGD)

Danish Krone (DKK)

Norwegian Krone (NOK)

Swedish Krona (SEK)

0.95%

Philippine Peso (PHP)

Polish Zloty (PLN)

Arab Emirates Dirham (AED)

Argentine Peso (ARS)

Brazilian Real (BRL)

1.15%

Chinese Yuan (CNY)

Indian Rupee (INR)

1.4%

Bitcoin (BTC)

Universal Bitcoin (UPBTC)

1.05%

Other Cryptocurrencies

ETH (1.4%) ; LTC (1.4%)BAT (1.95%) ; BCH (1.4%)DASH (1.25%) ; BTG (1.95%)XRP (1.4%); LBA (1.95%)

Precious metals

XAU (2.05%) ; XPT (3.95%)XPD (3.05%) ; XAG (3.65%)

Note: The percentage fee charged for converting from one currency to another is always the highest of the involved.

Uphold is committed to making financial services affordable for everyone and we strive to keep all fees as low as possible. Certain fees may apply to institutional and high-frequency members, but any such fees will be agreed upon in advance.

Limit Increases

To increase your limits, please see our Account Limit Increase Application.

$1,000 Transaction Allowance for non-verified members

Uphold requires all members to become verified members when the cumulative value of their lifetime transactions (excluding the addition of funds to their accounts) exceeds $1,000 U.S. dollars.

This is for your safety and the security of the Uphold network at large. When this allowance is exceeded, accounts will be restricted from conducting transactions of any kind until the account has been fully verified. Our team reviews all transactions for compliance with our membership agreement.

LBA is a utility token developed by CRED (formerly Libra Credit). CRED is a decentralized lending ecosystem that facilitates open access to credit on the Ethereum blockchain. LBA tokens can be used for accessing and using CRED platform services, which will soon include crypto-to-crypto lending.

Uphold members can now:

Buy and hold LBA in your Uphold wallet

Exchange LBA between any of our supported currencies

Utilize LBA for CRED platform services coming soon!

Important note: LBA is currently only available to members in select countries.

Upon registration, we collect your date of birth, as well as your phone number which is used principally for two-factor authentication. Residents of China are required to submit a valid government-issued identification number.

In order to become a verified Upholdmember,we ask that you provide us with certain information as part of our global compliance efforts, which ensure the security of our network and protect our members against fraud.

To become a verified member, we ask that you provide:

Your current residential address

One of the following valid government-issued IDs:

Passport

National ID card

Driver's license

A 'live selfie'

Tips to ensure the verification process is seamless:

Take a clear picture of your valid government-issued ID, where every single detail is readable without any glare or covered.Please note thatscanned documentation will not be accepted.

Take all photos in an area that is brightly lit

Turn flash off to avoid glare on the document

Make sure the details on your ID match those details on your Uphold account (legal name, no nicknames)

Make sure that your legal document has at least 3 months validity left on it

Do not take a picture of a picture. When taking a selfie, it needs to be a "live selfie"

Visit these FAQ for step-by-step directions on our mobile app and our web version.

CredEarn is a product launched by CRED that allows Uphold members to earn up to 10% interest when they loan their digital assets to CRED. The minimum earn period is 6 months with the option to renew in 3-month increments at the term end.

See below for details for supported currencies and commodities:

BCH

BTC

ETH

EUR

GBP

GOLD

UPBTC

UPEUR

UPUSD

USD

XRP

To learn more about CredEarn contact their support team or visit their FAQ page.

Uphold is not a lender, loan broker, or loan arranger and is not offering anyone advice or assistance in obtaining a loan. CredEarn is a third party product subject to additional terms and conditions. Only certain digital assets are eligible for CredEarn; Not available in all jurisdictions. Uphold does not guarantee any returns.

The Universal Dollar (UPUSD) and Universal Euro (UPEUR) are currently not available in select regions where Uphold operates, including:

AndorraUnited Arab EmiratesAlbaniaAustriaAustraliaAland IslandsBosnia and HerzegovinaBangladeshBelgiumBulgariaBahrainBoliviaBelarusCanadaCongoCentral African RepublicSwitzerlandChinaCubaCzech RepublicGermanyDenmarkDominican RepublicAlgeriaEcuadorEstoniaEritreaSpainEthiopiaFinlandFaroe IslandsFranceUnited KingdomGuernseyGhanaGibraltarGreeceGuamHong Kong, SAR ChinaHeard and Mcdonald IslandsCroatiaHungaryIndonesiaIrelandIsraelIsle of ManIndiaIraqIran, Islamic Republic ofIcelandItalyJerseyJapanKorea(North)South KoreaKuwaitKazakhstanLiechtensteinSri LankaLesothoLithuaniaLuxembourgLatviaLibyaMoroccoMonacoMoldovaMontenegroMacedonia, Republic ofMyanmarMacao, SAR ChinaNorthern Mariana IslandsMaltaMexicoMalaysiaNamibiaNorfolk IslandNetherlandsNorwayNepalNew ZealandOmanPhilippinesPakistanPolandPuerto RicoPortugalQatarRomaniaSerbiaSaudi ArabiaSudanSwedenSingaporeSloveniaSvalbard and Jan Mayen IslandsSlovakiaSan MarinoSomalia

South AfricaSouth SudanSyrian Arab Republic(Syria)ThailandTunisiaTrinidad and TobagoTaiwan, Republic of ChinaUgandaUS Minor Outlying IslandsHoly See(Vatican City State)Virgin Islands, USVietnamKosovoYemen

In the United States, UPUSD and UPEUR are not available in:

AlaskaColoradoDistrict of ColumbiaFloridaGeorgiaGuamHawaiiIdahoIndianaLouisianaMaineMinnesotaMississippiNebraskaNevadaNew YorkNorth CarolinaNorthern Mariana IslandsOhioOklahomaPennsylvaniaPuerto RicoSouth CarolinaSouth DakotaVermontVirgin IslandsVirginiaWest VirginiaWyoming

Uphold is fully committed to compliance with applicable laws in each of the jurisdictions in which it operates. The Universal Protocol Alliance and Uphold are working to make UPUSD and UPEUR available to additional markets.

What is the Universal Protocol Alliance?

Uphold is a founding member of the Universal Protocol Alliance. The Alliance is a coalition of cryptocurrency companies and blockchain pioneers, which seeks to accelerate the adoption of blockchain as a mainstream financial technology by making digital assets more accessible, secure and convenient to own. The Alliance consists of Uphold, Bittrex International, Brave Software, Cred, Blockchain at Berkeley and CertiK.

What is the Universal Protocol Platform?

The Universal Protocol Platform is a digital reserve ecosystem that provides value substantiation, investor protection, and interoperability for blockchain-based assets. The UP platform is working to make cryptocurrencies and crypto assets safer to own and easier to convert across networks.

For more information, please visit the Universal Protocol website.

A stablecoin is a cryptocurrency whose price is directly linked to a fiat currency, such as the US dollar or Euro.

The Universal Dollar (UPUSD) is a USD backed stablecoin issued by the Universal Protocol. This is part of a new universal transparent reserve standard that introduces digital assets to the world via the Universal Protocol Platform.

UPUSD is the first stablecoin to be listed on Uphold, and is backed 1:1 by the U.S. dollar. It is also the first stablecoin of its kind to be minted on-chain with every verifying transaction written to the Ethereum public blockchain so that all users can see and verify UPUSD is 100% percent backed with U.S. dollars. U.S. dollars are held at banks located in the United States with the intention of being eligible for FDIC pass-through deposit insurance, subject to applicable limitations.

Read more about UPUSD on our blog.

In addition to the key transparency features, eligible holders of UPUSD outside the US may be able to access a potential annual return of up to 10%, through CredEarn *, a third-party application on the Uphold platform.

UPUSD also features these revolutionary attributes:

Recoverability: Remembering a complex private key may be intimidating for the average bank account holder; UPUSD users can recover their private key and reclaim assets if needed.

Inheritability: Users will soon be able to nominate beneficiaries who may 'call' the assets after prolonged account dormancy. The exact period of dormancy and the address will be configured during wallet instantiation.

Full transparency: Every time a user purchases USD on the Uphold platform, they can initiate an exchange and request new minting of UPUSD. The new UPUSD is instantly minted on the Uphold reserve, and a record of this transaction is recorded on the Ethereum blockchain.

*Uphold is not a lender, loan broker, or loan arranger and is not offering anyone advice or assistance in obtaining a loan. CredEarn is a third party product subject to additional terms and conditions. Only certain digital assets are eligible for CredEarn; Not available in all jurisdictions. Uphold does not guarantee any returns.

The Universal Bitcoin (UPBTC) is a proxy asset issued by the Universal Protocol Pte. Ltd. as part of a new universal transparent reserve standard that introduces digital assets to the world via the Universal Protocol Platform (UPP).

The Universal Bitcoin is an ERC-20 wrapped Bitcoin, allowing for more functionality in trading across the Ethereum blockchain. Its value is fully backed by the matching amount of Bitcoin (BTC) in UPPs transparent reserve system.

Read more about UPBTC on our blog.

The Universal Protocol Platform is creating a common universal language that allows distinct blockchains and token-based projects to interact freely and frictionlessly. Unlike other initiatives designed to make Bitcoin interoperable with Ethereum, UPBTC differs in a few important respects.

UPBTC is architected with institutional level security in mind. Attackers cannot create arbitrary new proxy tokens to spend on the networks. The Universal Protocol Platform contains a request system that can manage whitelists and revoke access to address critical security issues associated with compromised keys.

UPBTC works seamlessly with the Universal Protocol Token (UPT), designed to allow for quick, low cost conversion of UPBTC to Bitcoin and other digital assets.

UPBTC is designed as a smart bookkeeping system that logs deposits and withdrawals on a smart contract.

Read more about UPBTC on our blog.

The Universal Euro (UPEUR) is a stablecoin that is issued by the Universal Protocol Pte. Ltd. as part of a new universal transparent reserve standard that introduces digital assets to the world via the Universal Protocol Platform.

UPEUR is the second stablecoin to be listed on Uphold, and is backed 1:1 by the Euro.

Read more about UPEUR on our blog.

The Universal Bitcoin (UPBTC) is currently not available in select regions where Uphold operates, including:

United Arab EmiratesAustraliaBangladeshBahrainBoliviaCanadaCongoCentral African RepublicChinaCubaDominican RepublicAlgeriaEcuadorEritreaEthiopiaGhanaHong KongHeard and Mcdonald IslandsIndonesiaIsraelIndiaIran, Islamic Republic ofIraqJapanKorea(North)South KoreaKuwaitKazakhstanLiechtensteinSri LankaLesothoLithuaniaLibyaMoroccoMyanmarMacaoMaltaMexicoMalaysiaNamibiaNepalNew ZealandOmanPhilippinesPakistanQatarSaudi ArabiaSudanSingaporeSomaliaSouth AfricaSouth SudanSyrian Arab Republic(Syria)ThailandTunisiaTrinidad and TobagoTaiwanUgandaVietnamYemen

Uphold is fully committed to compliance with applicable laws in each of the jurisdictions in which it operates. The Universal Protocol Alliance and Uphold are working to make UPUSD and UPEUR available to additional markets.

When you hold gold, silver, platinum or palladium at Uphold, we hold that precious metal, e.g. gold bullion, in our reserve to back that value.Precious metal holdings are audited on a daily basis by GBIs approved vaulting partners. An audit report containing bar lists is sent to GBI by the vaulting partners. In addition, an internationally recognized auditing firm audits all of the precious metal holdings on a quarterly basis. Each broker-dealer will confirm precious metal bar holdings with GBI on an aggregate basis and report individual holdings at the customer level through their existing platform.