Yield
Uphold
Uphold is a long-standing, US/UK-licensed platform best known for transparency — it runs a real-time proof-of-reserves dashboard. Its earn product is proof-of-stake staking on assets like ETH and SOL.
Is Uphold safe? It scores C on our five safety checks, passing 3 of 5 — Regulation, Proof-of-Reserves, Flexible withdrawal; not passed: Insurance Fund, Track record (2+ years incident-free). Every check below cites the evidence behind it and links its source. See how it ranks against the other 44 venues we grade →
Why this grade
- ✓
Regulation
Regulated in the US by FinCEN and state regulators, in the UK by the FCA, registered in Canada with FINTRAC and in Europe with the Bank of Portugal. Its MiCA licence is still pending, so for Uphold Digital Assets Europe customers crypto and fiat deposits have been paused since 1 July 2026; withdrawals still work. Source 1 → Source 2 →
- ✓
Proof-of-Reserves
A public real-time proof-of-reserves dashboard is refreshed roughly every 30 seconds, one of the most transparent setups in the industry. Source →
- ✓
Flexible withdrawal
Staking carries no platform lock-up; only the network unbonding period (about 4 days for ETH) applies. Source →
- ✗
Insurance Fund
No dedicated customer insurance fund is publicly disclosed. Source →
- ✗
Track record (2+ years incident-free)
Operating since 2014. In 2019–2020 Uphold promoted Cred's CredEarn product to users; when Cred filed for bankruptcy in November 2020, over 6,000 Uphold customers lost roughly $34M. In April 2026 the New York AG secured a settlement of more than $5M from Uphold for restitution to affected investors. Uphold admitted the AG's factual findings without admitting liability, and its CEO called the AG's characterization "profoundly inaccurate". Source →
Incidents we count
Known incidents
1- November 2020 Cred filed for bankruptcy after heavy losses; users had deposited ~$50M into CredEarn (a Cred product promoted by Uphold). Over 6,000 Uphold customers lost roughly $34M. In April 2026 the New York AG settled with Uphold for more than $5M in restitution; Uphold admitted the factual findings without admitting liability and disputes the AG's characterization. Source →
All Uphold products
Yield products
as of Oct 18, 2026| Product | Rate | Type | Lock | |
|---|---|---|---|---|
| ATOM | 13.7 % | locked | — | Open Uphold → |
| INJ | 6.02 % | locked | — | Open Uphold → |
| AXL | 2.0 % | locked | — | Open Uphold → |
| CCD | 4.22 % | locked | — | Open Uphold → |
| CSPR | 3.32 % | flexible | — | Open Uphold → |
| AVAX | 3.39 % | locked | — | Open Uphold → |
| POL | 2.11 % | locked | — | Open Uphold → |
| SOL | 1.67 % | flexible | — | Open Uphold → |
| ALGO | 1.54 % | flexible | — | Open Uphold → |
| XTZ | 3.03 % | locked | — | Open Uphold → |
| TAO | 1.66 % | flexible | — | Open Uphold → |
| DOT | 2.14 % | locked | — | Open Uphold → |
| NEAR | 1.53 % | flexible | — | Open Uphold → |
| ADA | 0.63 % | flexible | — | Open Uphold → |
| XDC | 0.85 % | flexible | — | Open Uphold → |
| ETH | 0.88 % | flexible | — | Open Uphold → |
| FLR | 0.19 % | flexible | — | Open Uphold → |
| APT | 0.65 % | flexible | — | Open Uphold → |
| KSM | 2.07 % | flexible | — | Open Uphold → |
| ROSE | 0.64 % | flexible | — | Open Uphold → |
| SUI | 0.46 % | flexible | — | Open Uphold → |
| HBAR | 0.32 % | flexible | — | Open Uphold → |
| HYPE | 1.64 % | locked | — | Open Uphold → |
What would Uphold pay you?
How much will you earn?
Method: monthly compounding (1 + APR/12)ⁿ, where APR is the exchange's stated rate. The realized 12-month return is slightly higher due to reinvestment. Rates may change. Not financial advice.
How yields have moved
Source: daily snapshots via exchange API · accumulating since YieldScope launch
This is not an affiliate link. Price for you doesn't change.
Uphold review: what this platform is
Uphold is a long-standing, US/UK-licensed platform best known for transparency — it runs a real-time proof-of-reserves dashboard. Its earn product is proof-of-stake staking on assets like ETH and SOL.
How Earn works on Uphold
Staking is offered on a range of proof-of-stake assets, including ETH and SOL, with rewards paid in the asset. Current rates are shown in the table on this page. Rates shown are indicative and move with network conditions. Uphold does not offer a clear stablecoin yield product in most regions. Checked 8 August 2026 through a US residential proxy exiting in Pennsylvania: uphold.com/api/staking-assets?country=us&state=us-pa. Each coin carries two fields, flexibleDetails and bondedDetails, and the difference matters. The flexible rate is withdraw-anytime; bonded means a lock-up whose term Uphold does not publish. We had been taking the bonded figure and labelling it flexible; coins with a flexible option now carry their true flexible rate, and those with no flexible option at all are marked locked with no term, because inventing one would be worse than leaving it blank.
How to start on Uphold, step by step
- 01Open and verify an Uphold account.
- 02Deposit a supported proof-of-stake asset and enable staking.
Should you park money here?
- +Strong transparency — a public real-time proof-of-reserves dashboard.
- +Well licensed (US FinCEN, UK FCA) with a clean decade-long record.
- −Mostly staking only — limited or no clear stablecoin yield in many regions.
- −Rates are not shown on a public page, so they need a manual or in-app check.
Compare Uphold with others
Asset-by-asset rates and risk grades
Frequently asked questions
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Show this grade on your site
Uphold passes 3 of 5 of our safety checks. If you run Uphold, you can show the grade with this badge — it links to this page and updates itself whenever the grade changes, up or down. Free and without sign-up; we never sell or adjust grades.
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