Yield
XTZ on Uphold
Uphold pays 3.03 % APY on Tezos (XTZ) as a Earn rate. On YieldScope Uphold carries a safety grade of C, scored across five risk criteria. Below: where XTZ earns more — and where it earns safer.
OKX Earn B Yield source: Exchange Earn
Where else XTZ earns
Uphold pays 3.03 % on XTZ. Here's how other venues compare — by rate and by safety.
| Venue | APY | Terms | Grade |
|---|---|---|---|
| Uphold (this page) | 3.03 % | 🔒 Earn | C |
| OKX Earn | 23.8 % | Flexible | B |
 Gate.io Earn | 4.51 % | Flexible | A |
 Kraken Earn | 3.98 % | Earn | B |
 Coinbase Earn | 2.84 % | Earn | A |
 Bitpanda Staking | 2.0 % | Earn | C |
Uphold is graded C. If safety matters more than a few extra basis points, Gate.io Earn earns XTZ at a higher grade (A).
Why Uphold is graded C
Five binary safety criteria — each one passed or not. The more passed, the safer.
- ✓
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 →
XTZ rate history on Uphold
Over the 78 days we have recorded it, Uphold changed this XTZ rate 11 times; the current one has held for 3 days.
Daily snapshots from YieldScope's rate sync. Hover to inspect any day.
How XTZ yields moved across exchanges
from 2026-05-25 to 2026-10-18
Among the 11 venues we have XTZ history for, Uphold currently sits at #4 by rate — with 78 days of our own daily snapshots behind that number.
Source: daily snapshots via exchange APIs
Your money, this pair
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.
This is not an affiliate link. Price for you doesn't change.
How XTZ earns on Uphold
When you deposit XTZ into Uphold's earn product you receive 3.03 % APY as a Earn rate. The platform puts the asset to work and shares the yield — your balance grows without you doing anything.
This is a base rate, not a promotional teaser: it's what an ordinary deposit actually earns. Uphold carries a YieldScope safety grade of C, so weigh the yield against platform risk — a higher rate on a weaker grade is not automatically a better deal.
Rates on XTZ move with lending demand and market conditions. We re-check them daily and keep a history, so you can see whether today's number is unusually high, unusually low, or steady.