Independent automated assessment · 3 signal sources · 510 reviews scanned · analyzed 2026-10-05.
4.7 ★90,646 ratings
—Downloads
17+Age rating
186 MBApp size
Free · In-app purchasesIn-app purchases
About this app
Uphold makes your money work harder for you. Crypto, stocks, yield, & loans—all in one app. Trusted by millions.
TRUST & SECURITY Your money is 100% reserved. We never loan out your funds. Advanced encryption for your data.
INVESTING Buy and sell 360+ digital assets. Trade 4,000+ stocks and ETFs¹.
USD INTEREST ACCOUNT Earn up to 3.75%² APY on your cash balance.
STAKING Earn up to 13.9%³. Weekly rewards.
PAYCHECK TO CRYPTO Earn up to 3%⁴ when you Auto-Invest a portion of your paycheck.
UPHOLD DEBIT CARD Earn up to 4%⁵ in XRP on your spending.
USDC LENDING Earn up to 7%⁶ yield by lending USDC.
STABLECOIN REWARDS 3% on RLUSD and 2% on USDC.⁷
INSTANT CASH LOANS Borrow against your crypto without selling. Get cash directly into your Uphold balance.⁸
EARLY PAYCHECK Get your paycheck up to 2 days early with Direct Deposit.
DISCLAIMERS: Based on availability in your location.…
Preview
Real screenshots from the store listing.
Independent evidence report
The evidence behind this assessment
This is where the page changes from an app-store listing into an evidence report: findings, important reviews, pricing and a dated history.
Which version this describes
When we ran this analysis, and what the store lists now.
This analysis describes version 6.108.1 of the app, analyzed 2026-10-05 . The app may have changed since.
The store currently lists version 6.108.1, updated 2026-09-25.
What we measured
Each line is a measurement published as a measurement, never a verdict.
Each line is a measurement, published as a measurement. Where we have not looked, the line says so rather than reading as a zero.
Developer replies to reviews
Replies to fewer than 1 review in 20
Price in the store description
States a price and a billing period
Cancelling, in the store description
Does not say how to cancel
Themes reported by reviewers
No theme reported
Counted from the reviews we have read for this app. "No theme reported" means no theme reached our reporting threshold — it is not a finding that nothing is wrong with this app, and we do not say it is.
Five-star share of ratings
80–89% five-star
Arithmetic on the stores' own published rating counts. It says nothing about why the ratings fall where they do.
In the package we scanned
No package has been scanned for this app, so nothing is published about what it ships. That is an absence of evidence about the app, not a finding about it.
Graded bands · predicate set 1.4 · how these are measured
What the analysis found
App-specific findings, grouped by what each one rests on. How they are graded lives on its own page.
Context 1
Measured and published because a reader would want to know — deliberately not a charge. The measurement alone does not show a harm.
Cheapest and priciest options are far apart
The disclosed in-app purchases span an unusually wide price range. Published as context: the cheapest and priciest items may be different kinds of product entirely, so the spread alone deducts nothing.
What we saw: In-app purchases run from USD 4.99 to USD 199.99 — a 40x spread across 4 items
Assessment & version history
App changes and Appworthy events in one timeline.
What this app sells
Useful store-disclosed pricing, kept below the app listing.
Items shown4
Lowest$4.99
Highest$199.99
Vault Monthly Subscription$4.99
Vault Monthly Subscription$19.99
Vault Yearly Subscription$49.99
Vault Yearly Subscription$199.99