Multi-asset account
Gold to bitcoin in one step.
300+ cryptocurrencies, 4,000+ stocks, precious metals and 27 currencies in one account. Move between them without cashing out and back in.
- Accounts
- 10M+
- Reserve ratio
- 100.4%
- Countries
- 180+
Swap
Preview rates0.0278907
BTC- Rate
- 1 XAU = 0.0278907 BTC
- Spread included
- 1.40%
Illustrative rates, not a live quote. No cash-out step between assets.
Sample market prices
Not a live quote
Markets
Everything you hold, on one balance.
Crypto, stocks, four precious metals and 27 national currencies settle into the same account. A swap moves value straight across, with no bank transfer in between.
- Cryptocurrencies
- 300+
- Stocks & ETFs
- 4,000+
- Precious metals
- 4
- Currencies
- 27
Sample prices, not a live quote
| Asset | Price | 24h |
|---|---|---|
| BTCBitcoin | $98,420.00 | +1.84% |
| ETHEthereum | $3,412.50 | +2.41% |
| SOLSolana | $176.20 | -0.92% |
| XRPXRP | $2.18 | +3.10% |
| ADACardano | $0.72 | -1.35% |
| DOGEDogecoin | $0.31 | +4.62% |
| USDCUSD Coin | $1.00 | +0.00% |
Headline prices only. The live order book and every fee are shown before you confirm inside the account.
How reserves work
Metals
Gold sits beside your bitcoin.
Own four precious metals in the same account as everything else, priced per ounce. Sell, hold or swap into crypto and currencies whenever the market is open.
- XAUGold
- $2,745.00per oz
- XAGSilver
- $32.80per oz
- XPTPlatinum
- $1,002.00per oz
- XPDPalladium
- $1,048.00per oz
Sample prices, not a live quote.
See metal pricesEarn
Cash that earns while you sleep.
Idle dollars go into the USD Interest Account and earn up to 4.00% APY. No lockups, no monthly fee, and the balance can move into any asset in a tap.
- Interest on USD
- 4.00%
- FDIC coverage
- $2.5M
- Monthly fee
- $0
- Lockup
- None
APY, variable
through partner banks
on the cash account
withdraw any time
USD Interest Account
Illustration- You deposit
- $10,000.00
- Rate
- 4.00% APY
- After 12 months
- $10,407.42
Compounded monthly; interest rates vary by market and can change. FDIC coverage applies to cash in the interest account through partner banks, not to crypto.
Stake the crypto you already hold
Flexible staking pays weekly and keeps the asset sellable. Boosted staking pays more for a fixed lockup.
- DOT
- 11.72%
- ATOM
- 11.72%
- AXL
- 5.01%
- INJ
- 5.43%
Variable rewards, not guaranteed. 19 assets available by market.
Reserves
Published every 30 seconds
Every coin, dollar and ounce is accounted for.
100.4%
Assets in reserve against customer obligations
Customer funds are never lent out. The ledger is public, updates in near real time and shows the same ratio we see.
- Liquidity venues
- 32
- Assets backed 1:1
- 300+
- Customer accounts
- 10M+
- Markets served
- 180+
Figures as published on uphold.com in October 2026. Reserves move as customers trade.
The account
One login, five moves.
The same balance funds the trade, the stake, the loan and the card. Nothing has to leave the account to change shape.
One route, no cash-out
Each leg settles in the account, so the value never waits on a bank transfer.
- Invest
- Build one portfolio across asset classes in a few taps.
- 300+ / 4,000+
- Earn
- Idle dollars earn interest with no lockup and no monthly fee.
- up to 4.00%
- Stake
- Flexible staking pays weekly; boosted staking pays more for a lockup.
- up to 14.00%
- Borrow
- Take cash against BTC, ETH or XRP without selling the position.
- ~7% APR
- Spend
- Pay from any balance with the Uphold debit card.
- up to 4% back
Open an account in minutes.
Fund by bank transfer, card or crypto. No monthly fee, and the first swap is a tap away.
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