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Uphold / Safety
Safety review

How safe is Uphold,
really?

Instead of a vague 'trusted' badge, we grade Uphold on five concrete, checkable criteria — each with sources. Here's exactly how it scores.

Grade
B
4 of 5 checks passed
Computed automatically from public data. Higher is safer.
The five checks

Criterion by criterion, with sources

5 criteria · check each one
  • ✓
    Regulation

    Registered with US FinCEN as an MSB, authorised by the UK FCA, and operating under EU registrations — a well-licensed money-services platform. Source →

  • ✓
    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 with no major user-fund breach; only a minor NY AG settlement in its history. Source →

Bottom line

Verdict

⚖️
Verdict. Uphold passes 4 of 5 safety checks (grade B) — among the safer venues we track. No platform is risk-free: keep only what you can afford to lose on any single one, and prefer flexible over locked products.
Full Uphold rates → How we grade