Login to Uphold®
New to Uphold? Create an Account
Trade Digital Assets. Any Asset. Any Time.
Uphold is the all-in-one digital money platform that empowers you to invest, spend, and send across 250+ cryptocurrencies, precious metals, US stocks, and 50+ national currencies. Our unique "Anything-to-Anything" trading engine eliminates the need to convert assets back to fiat, making cross-asset trading seamless and intuitive. This platform is built for the future of finance, offering unparalleled flexibility and security in one trusted environment.
The Power of Anything-to-Anything Trading
Unprecedented Cross-Asset Liquidity
Uphold's proprietary trading architecture is designed around the core concept of instant, direct conversion between virtually any asset supported on the platform. Unlike traditional exchanges that force you to trade assets against fiat currencies (like USD or EUR) before moving to another crypto or commodity, Uphold allows for direct conversion—for example, Gold directly to Bitcoin, or Ethereum directly to Fractional Shares of Tesla. This eliminates multiple conversion fees, reduces slippage, and dramatically simplifies the user experience, particularly for sophisticated cross-market strategies. This feature is the bedrock of our platform's efficiency and is a significant differentiator in the global digital asset landscape. It treats all assets equally, fostering a truly interconnected and global financial ecosystem. The technical implementation involves a dynamic pricing engine that constantly aggregates liquidity from multiple sources, ensuring the best possible execution price for over 250 cryptocurrencies, 50 national currencies, 4 precious metals, and thousands of US equities. This seamless connectivity is what defines the next generation of financial trading and investment.
Streamlining Global Finance
The complexity of international money movement and asset diversification is often a barrier to entry for both new and experienced investors. Uphold solves this by providing a unified digital wallet that holds disparate assets. Imagine receiving a payment in Euros and instantly converting that entire balance, or just a portion, into fractional shares of a company, or into a stablecoin like USDC, without ever touching your local currency. This capability extends beyond trading; it revolutionizes remittances and global payroll. Furthermore, the platform's commitment to security and regulatory compliance in multiple jurisdictions means users can trust the integrity of every transaction. Our approach to asset management provides a real-time, transparent view of your portfolio's value across all holdings, denominated in the currency of your choice. This transparency, combined with the low-latency execution of trades, ensures users maintain full control and clarity over their financial positions, regardless of market volatility. We actively pursue partnerships to deepen liquidity pools, guaranteeing that even large institutional orders can be executed efficiently with minimal market impact.
Bridging Traditional and Decentralized Finance
Uphold is not just a cryptocurrency exchange; it's a financial bridge. We actively work to incorporate traditional asset classes into the digital realm, allowing users to leverage the speed and transparency of blockchain technology while maintaining access to familiar, time-tested investments like Gold, Silver, Platinum, and Palladium. This hybrid model offers the best of both worlds: the innovation and potential returns of decentralized finance (DeFi) alongside the stability and regulatory clarity of traditional markets. This holistic view is crucial for true portfolio diversification. Investors can hedge their crypto exposure with a gold holding or allocate a portion of their stock profits directly into a high-yield DeFi token, all within the same secure wallet interface. This seamless integration eliminates the friction points commonly associated with moving capital between different asset classes and regulatory silos. The platform's continuous effort to list new, vetted tokens and assets demonstrates a commitment to being at the forefront of financial innovation while adhering to stringent listing criteria to protect our user base from speculative or questionable projects.
Your Full Financial Universe in One Wallet
250+ Cryptocurrencies
Access major cryptocurrencies like Bitcoin (BTC), Ethereum (ETH), XRP, and Cardano (ADA), along with a diverse selection of altcoins and DeFi tokens. We offer instant trading and withdrawals, coupled with competitive pricing sourced from multiple global exchanges to ensure optimal rates. Our commitment to supporting emerging technologies means continuously evaluating and listing promising new digital assets, providing our users with early access to innovative projects and maximizing investment opportunities in the rapidly evolving crypto space. Education on market trends and risk management is integrated directly into the trading environment.
4 Precious Metals
Trade digitized Gold, Silver, Platinum, and Palladium, backed by physical reserves held securely off-balance sheet in institutional vaults. Metals provide a crucial hedge against currency volatility and inflation, acting as a historical store of value. Uphold allows you to trade these instantly, avoiding the storage and liquidity challenges of physical ownership. The ease of converting metals directly into Bitcoin or US Dollars makes them an active component of your digital portfolio, not just a static store. This democratization of access to precious metals is a cornerstone of Uphold's mission to make investing accessible to everyone, everywhere.
Fractional US Stocks
Invest in the world's most recognizable companies without needing to buy a full share. Uphold offers access to fractional US stocks and ETFs, allowing you to diversify your equity portfolio with minimal capital outlay. This capability is integrated with our "Anything-to-Anything" engine, meaning you can fund your stock purchases directly from crypto gains or fiat deposits in seconds. This flexibility ensures you never miss a market opportunity, allowing for rapid asset allocation across asset classes based on your current investment outlook. All stock transactions are executed through regulated brokerage partners.
Security, Compliance, and Full Reserve Transparency
Unwavering Regulatory Compliance
Operating globally necessitates the highest level of regulatory adherence. Uphold is licensed and registered across multiple jurisdictions, including FinCEN in the US and various European regulatory bodies. We prioritize compliance with Anti-Money Laundering (AML) and Know Your Customer (KYC) directives to protect our users and maintain the integrity of the financial system. Our regulatory posture is proactive; we actively engage with government agencies and financial watchdogs to shape responsible policy, ensuring our platform remains a trusted and compliant venue for digital asset trading. This commitment not only safeguards our operations but also provides peace of mind to our millions of users worldwide who rely on a stable and regulated environment for their investments. The operational rigor applied to our compliance programs is audited by third-party experts annually, providing verifiable assurance of our adherence to international standards.
Security Infrastructure & Cold Storage
The security of your assets is our paramount concern. Uphold utilizes multi-signature cold storage wallets for the vast majority of digital assets, isolating them from online attack vectors. For operational liquidity, we employ robust hot wallet security protocols, including advanced encryption, hardware security modules (HSMs), and multi-factor authentication for all platform access. Our infrastructure is constantly monitored against DDoS attacks and unauthorized access attempts. Furthermore, all user data and communications are secured using industry-leading encryption standards (TLS/SSL). We also offer mandatory 2FA for all users, including support for hardware keys, making unauthorized account access virtually impossible. Our dedicated cybersecurity team performs regular penetration testing and vulnerability assessments, ensuring that our security posture evolves faster than the threats. This layered defense strategy provides enterprise-grade protection for every single account on the platform.
The Full Reserve Model: Audited Transparency
Uphold operates on a Full Reserve model, a cornerstone of our commitment to financial transparency and trust. This means that for every asset balance held by our members, Uphold holds an equal or greater amount of that asset in reserve. We publish our reserve holdings and liabilities in near real-time, allowing anyone, anywhere, to verify that our platform is fully backed. This radical transparency, a concept rarely seen in traditional finance, is achieved through a proprietary public API feed that updates every 30 seconds. While the identities of individual users are protected, the aggregated value of all platform assets and liabilities is open for public scrutiny. This system is regularly validated by independent auditors, providing a level of confidence and security far beyond standard banking practices. By maintaining a 1:1 reserve ratio, we eliminate fractional reserve risk and ensure that user funds are always available for instant withdrawal or trading, reinforcing our promise of being a safe haven for digital assets in an often volatile industry. This model sets a new standard for fiduciary responsibility in the fintech sector.
An Integrated Approach to Global Investment
The Case for Cryptocurrency Allocation
Cryptocurrencies represent the decentralized future of money and technology. Bitcoin, often referred to as 'digital gold,' provides a hard-capped, deflationary asset outside the control of any single government or central bank, offering unique protection against monetary debasement. Ethereum, the world's leading smart contract platform, fuels the entire Decentralized Finance (DeFi) movement, enabling peer-to-peer lending, sophisticated derivatives, and automated financial services. Uphold’s selection process focuses on projects with robust technology, strong community backing, and clear regulatory paths. We understand that investing in this space requires education and careful risk management. To facilitate this, we offer dollar-cost averaging tools (AutoPilot) that allow users to systematically invest over time, mitigating volatility risks and building long-term exposure to this high-growth sector. The platform's commitment goes beyond simply listing tokens; we provide market insights, educational content, and transparent fee structures, ensuring that every user, regardless of experience, can navigate the intricacies of the crypto market with confidence. The continued expansion of layer-2 solutions and interoperable chains makes the crypto landscape increasingly complex, and Uphold is dedicated to abstracting this complexity for the end-user, making cutting-edge technology accessible through a simple interface.
Why Fractional Equities Matter for Digital Investors
The ability to purchase fractional shares of US-listed companies is a vital tool for portfolio diversification and financial inclusivity. Historically, high stock prices made blue-chip companies inaccessible to smaller investors or those in emerging markets. By fractionalizing these assets, Uphold ensures that an investor with $50 can own a piece of a high-value tech stock or a diversified ETF, thereby lowering the entry barrier significantly. This is particularly appealing to crypto investors who are seeking to balance their exposure to volatile digital assets with ownership in traditional, established corporations. Furthermore, the seamless integration allows investors to take profits from a successful crypto trade and instantly allocate those funds to a stable equity position, maintaining market momentum. This fluid movement of capital between the digital and traditional asset worlds is what sets Uphold apart and provides a strategic advantage for building a truly resilient, globally diversified investment portfolio optimized for various economic cycles and market conditions. This bridge ensures that capital is never trapped in one silo, maximizing its utility.
The Enduring Role of Precious Metals
Precious metals are not just relics of the past; they are essential components of a modern, balanced portfolio. Gold and silver, in particular, have served as universal stores of value for millennia, retaining purchasing power through countless economic upheavals. In today's highly digital and interconnected world, the physical backing of these assets provides a tangible counterbalance to both fiat currency risk and the experimental nature of emerging digital assets. By digitizing the ownership of these metals, Uphold eliminates the logistical nightmares of storage, insurance, and physical transfer. This makes trading instant and transparent, allowing investors to react quickly to global macroeconomic shifts. When geopolitical tensions rise or inflation concerns peak, metals often serve as a flight-to-safety asset. Our seamless conversion engine allows users to rapidly deploy capital into metals during a downturn in the crypto market, effectively utilizing the historical stability of commodities as a hedging mechanism. This dual-market approach gives users the flexibility of digital trading married to the reliability of physical-backed assets, a powerful combination for long-term wealth preservation.
Intuitive Tools for the Modern Investor
AutoPilot: Automated Trading
AutoPilot simplifies the complex world of investing by allowing users to set up recurring buys for any supported asset. This highly effective Dollar-Cost Averaging (DCA) strategy removes emotional decision-making from the equation and ensures continuous participation in the market regardless of daily volatility. Users can schedule daily, weekly, or monthly purchases, drawing funds directly from their preferred currency or asset balance. This feature is particularly crucial for long-term wealth accumulation and minimizing the risk associated with trying to "time the market." The system is fully customizable and can be paused or adjusted instantly, providing flexibility while maintaining strategic discipline.
Mobile-First Accessibility
The Uphold mobile app (available on iOS and Android) provides the full power of the desktop platform in the palm of your hand. All features, including the Anything-to-Anything trading engine, instant transfers, and full-reserve transparency, are optimized for mobile use. Notifications keep you updated on market moves and trade executions in real-time. The interface is designed for simplicity, making it easy to check your portfolio, execute trades, and manage your account securely on the go. The mobile experience includes biometric authentication (Face ID/Touch ID) for rapid yet secure access, ensuring you can manage your digital wealth anytime, anywhere.
Navigating the Future of Finance
The global financial landscape is undergoing a rapid, technology-driven transformation, shifting from localized, siloed systems to an integrated, borderless digital ecosystem. Uphold's technological architecture is specifically engineered to thrive in this new environment. By abstracting the complexity of different asset classes and regulatory frameworks, we provide a clean, single point of access to global markets. This approach not only democratizes access to assets traditionally reserved for institutional investors but also sets a new precedent for how digital wealth should be managed. Our platform’s design principle revolves around fluidity: the ability to move value instantly and cost-effectively between diverse stores of wealth. Whether it’s converting salary from fiat into tokenized assets for hedging against local currency devaluation, or instantly liquidating a stock position to capitalize on a crypto market dip, Uphold provides the rails for true financial agility. The future of money is interconnected, and Uphold is the central hub where all those connections are made simple and secure, driving innovation in payments, investments, and wealth preservation simultaneously. We are committed to remaining at the cutting edge, continuously integrating new blockchain protocols and regulatory compliant asset classes as they emerge.
Furthermore, the commitment to transparency through our Full Reserve model is a philosophical stand against the opaque practices that have historically plagued both traditional banking and nascent crypto markets. In an era where trust in financial institutions is fragile, verifiable solvency is paramount. Our real-time proof of reserves ensures that user funds are never used for speculative lending or high-risk investments, guaranteeing immediate access to assets. This mechanism is crucial for mitigating systemic risk and ensuring platform stability, especially during periods of high market stress or liquidity crunch. The technical implementation of this transparency involves continuous reconciliation between our on-chain cold storage addresses and the aggregated liability records on our internal ledger. This audit trail is designed to be immutable and accessible, providing a constant assurance of safety and reliability. This high-fidelity, real-time auditing is a non-negotiable feature of our service and is one of the primary reasons millions of users globally entrust their digital assets to Uphold. This rigorous focus on verifiable integrity extends to every aspect of our operation, from compliance reporting to customer service interactions, establishing a global benchmark for trustworthy digital financial services.
Ready to Modernize Your Portfolio?
Join millions of users worldwide who are leveraging Uphold's unique platform to trade, invest, and manage their diverse digital wealth. Sign up takes just minutes, and you can start trading instantly.
Create Your Free Account