What happens to your Uphold accounts when you die

USD Interest Account

A brokerage account offered by Atomic Brokerage LLC (member FINRA/SIPC) and used from the Uphold app; deposits are swept to up to ten program banks for FDIC insurance of up to $2.5 million, and funds held at Atomic before or for the sweep are not FDIC insured. Balances of $10 or more earn 3.75% APY and balances under $10 earn 2%, with no subscription or account fees. Not available to residents of Louisiana or American Samoa. Uphold's User Agreement, including its Death of a User section, does not name this account.

Uphold Debit Card

A Visa debit card issued by Cross River Bank, Member FDIC, with Uphold HQ Inc. as program manager, that spends U.S. dollars or digital assets from the Uphold account. Essential: no annual fee, $4.99 plastic card, $2.95 per ATM withdrawal, 2% back in XRP up to $120 a month. Elite: $99.99 annual fee, metal card, no ATM fee, 4% back on purchases funded by crypto or metals and 3% on purchases funded by fiat or stablecoins, up to $300 a month. Available to U.S. residents in U.S. states and Washington, D.C., except Louisiana and New York; the card is nontransferable.

Precious Metals

Trade and hold precious metals, held with third-party partner Gold Bullion International LLC. Metals cannot be deposited, but U.S. customers can redeem them for physical metal through AuSecure, LLC by linking the Uphold account on AuSecure's platform. Uphold's published trading spread for precious metals is typically 2.35% to 3.40%. Uphold offers no beneficiary designation on metals holdings.

Uphold Wallet

Uphold's full-custody account for buying, selling and trading between supported assets in one step. Uphold's published trading spreads in the U.S. are typically 2.05% to 2.2% for BTC and ETH, 2.85% to 3.8% for altcoins and under 0.25% for stablecoins other than supported USD stablecoins; each price is held open for 18 seconds, and an in-app notice appears when market spreads exceed 4%. Digital financial asset balances held with Uphold HQ Inc. are not insured by the FDIC or SIPC. Uphold offers no beneficiary or transfer-on-death designation on the account.

Staking (Flexible and Boosted)

Flexible Staking earns rewards on eligible assets with no lock-up; Boosted Staking earns higher rewards on a chosen amount with a lock-up, and staked assets cannot be sold, sent or withdrawn until the network's unstaking period ends (for example ETH 1 day, ATOM 21 days, DOT 28 days, AVAX 30 days; ALGO, ADA, FLR, HBAR, SGB and TAO are instant). Rewards are paid weekly on Thursdays. Uphold's commission is 20% to 25% on Boosted Staking and 50% on Flexible Staking. Boosted Staking is not available in Louisiana or American Samoa.

Uphold Vault (Assisted Self-Custody)

A multi-signature, non-custodial wallet inside the Uphold app for BTC, HBAR, XRP and some XRPL tokens. Two of its three keys are required to move assets: the owner holds the Vault Key and the Backup Key, and Uphold holds the third key, which co-signs transfers and helps replace a lost key. Uphold states that it never has access to the owner's two keys and that losing both, without a backup, permanently ends access to the assets. Vault is a subscription ($4.99 a month or $49.99 a year after a 30-day free trial), and Uphold's Death of a User section does not mention it.