維持審查：安全嗎？你需要知道的一切

在本次 Uphold 評論中，我們將深入探討您需要了解的有關使用 Uphold 應用程式作為加密貨幣交換等的所有資訊。

Uphold is a multi-asset trading platform that offers access to over 300 assets, including cryptocurrencies, fiat currencies, and precious metals. It is known for its “Anything-to-Anything” trading feature, which allows users to trade between any supported assets in one step. For example, users can trade BTC to XRP or other cryptocurrencies without converting to fiat first.

Uphold 是一個多資產交易平台，提供 300 多種資產的訪問，包括加密貨幣、法定貨幣和貴金屬。它以其「任意交易」交易功能而聞名，該功能允許用戶一步在任何支援的資產之間進行交易。例如，使用者可以將 BTC 交易為 XRP 或其他加密貨幣，而無需先轉換為法定貨幣。

Uphold also offers a USD Interest Account, where users can earn up to 4.9% interest on USD holdings of $1,000 or more. Balances under $1,000 still earn 2%, which is competitive for a flexible account. There are no fees, no lock-ins, and deposits are insured up to $2.5 million through a network of FDIC-insured banks, so users can withdraw whenever they need without penalties.

Uphold 也提供美元利息帳戶，用戶持有 1,000 美元或以上的美元可賺取高達 4.9% 的利息。 1,000 美元以下的餘額仍可賺取 2%，這對於靈活帳戶來說具有競爭力。不收取任何費用，沒有鎖定，並且透過 FDIC 承保的銀行網路為存款提供最高 250 萬美元的保險，因此用戶可以在需要時隨時提款，而不會受到處罰。

Uphold’s Over-the-Counter (OTC) platform, known as Uphold Ascent, is aimed at high-volume traders and institutional clients who need to execute large trades smoothly and privately. When you make a big trade, it’s crucial to avoid affecting market prices and Uphold Ascent smartly routes orders to more than 30 different trading venues.

Uphold 的場外交易 (OTC) 平台稱為 Uphold Ascent，面向需要順利且私密地執行大額交易的大交易量交易者和機構客戶。當您進行大筆交易時，避免影響市場價格至關重要，Uphold Ascent 可以智慧地將訂單發送到 30 多個不同的交易場所。

The Uphold Debit Card makes it easy for you to spend your crypto anywhere Visa is accepted. With the card, you can choose which asset to spend on each transaction, so you have the flexibility to pick from your BTC, ETH, or USD balances as needed. Rewards sweeten the deal: you get 2% crypto-back on purchases made with digital assets and 1% cash-back on fiat transactions.

Uphold 金融卡讓您可以在接受 Visa 的任何地方輕鬆使用加密貨幣。使用該卡，您可以選擇在每筆交易中使用哪種資產，因此您可以根據需要靈活地從 BTC、ETH 或美元餘額中進行選擇。獎勵使交易更加甜蜜：使用數位資產購買可獲得 2% 的加密貨幣返還，法幣交易可獲得 1% 的現金回饋。

Uphold’s fee structure is straightforward but varies across the platform’s trading, deposit, and withdrawal options. Here’s a detailed breakdown of what to expect in terms of costs when using Uphold’s services:

Uphold 的費用結構很簡單，但根據平台的交易、存款和提款選項而有所不同。以下是使用 Uphold 服務時預期成本的詳細細分：

Trading Fees: Uphold does not charge direct commission fees for trades, but it does include a spread in each transaction based on the asset’s type and liquidity. For highly popular cryptocurrencies like Bitcoin (BTC) and Ethereum (ETH), the trading fee typically falls between 1.4% to 1.6%. These two assets are widely traded, so they benefit from a relatively lower spread.

交易費用：Uphold 不直接收取交易佣金，但會根據資產類型和流動性在每筆交易中收取點差。對於比特幣 (BTC) 和以太坊 (ETH) 等熱門加密貨幣，交易費用通常在 1.4% 至 1.6% 之間。這兩種資產交易廣泛，因此它們受益於相對較低的利差。

For stablecoins – such as USD Coin (USDC) and USD Tether (USDT) – and major fiat currencies, the spread is notably lower, at approximately 0.25%. This is a cost-effective option for users looking to make quick transactions between stable assets without high fees.

對於穩定幣——例如美元硬幣（USDC）和美元泰達幣（USDT）——以及主要法定貨幣，利差明顯較低，約為 0.25%。對於希望在穩定資產之間進行快速交易且無需支付高額費用的用戶來說，這是一個經濟高效的選擇。

Less liquid or niche altcoins have a higher trading spread. These assets can range from 1.9% to 2.95%, reflecting the additional effort and risk Uphold takes to maintain liquidity in these markets. Precious metals, like gold, silver, and platinum, fall into this same range, with spreads typically set between 1.9% and 2.95%.

流動性較低或利基山寨幣的交易價差較高。這些資產的範圍從 1.9% 到 2.95%，反映了 Uphold 為維持這些市場的流動性而付出的額外努力和風險。黃金、白銀和鉑金等貴金屬也屬於同一範圍，利差通常在 1.9% 至 2.95% 之間。

Deposit Fees: Uphold’s deposit fees vary based on the payment method and region, especially between the U.S., U.K., Europe, and Canada.

存款費用：Uphold 的存款費用會根據付款方式和地區的不同而有所不同，特別是在美國、英國、歐洲和加拿大之間。

For ACH deposits in the U.S., there are no fees, making it a convenient and cost-effective choice. However, ACH deposits are limited to $25,000 per day. For deposits via credit or debit card or through Apple Pay and Google Pay, the fee is set at 3.99% of the deposit amount. This applies globally, including for Canadian users, and is a standard rate in digital platforms to cover the cost of instant processing for card-based payments.

美國的ACH存款不收取任何費用，是一種便利且經濟高效的選擇。然而，ACH 存款限額為每天 25,000 美元。對於透過信用卡或金融卡或透過 Apple Pay 和 Google Pay 存款，費用為存款金額的 3.99%。這適用於全球，包括加拿大用戶，並且是數位平台的標準費率，用於支付基於卡片的支付的即時處理成本。

For users opting for wire transfers, Uphold applies a split fee structure: any wire transfer above $5,000 is processed for free, while transfers below this amount incur a $20 fee.

對於選擇電匯的用戶，Uphold 採用分割費用結構：任何高於 5,000 美元的電匯均免費處理，而低於此金額的轉帳則需支付 20 美元的費用。

In the U.K. and Europe, Faster Payments (FPS) and SEPA deposits are generally free. This makes bank transfer deposits a more affordable method in these regions compared to the 3.99% charged for card-based deposits.

在英國和歐洲，快速支付 (FPS) 和 SEPA 存款通常是免費的。與卡片存款 3.99% 的費用相比，這使得銀行轉帳存款成為這些地區更實惠的方式。

Withdrawal Fees: Withdrawal fees on Uphold depend on the method and speed of withdrawal. In the U.S., standard ACH withdrawals to a bank account are free, but if you prefer an instant withdrawal, a 1.75% fee is applied, with a minimum charge of $1. This option is available for those who need funds faster than the typical 3-5 business days for ACH processing.

提領費用：Uphold 的提領費用取決於提款的方式和速度。在美國，標準 ACH 向銀行帳戶提款是免費的，但如果您希望即時提款，則需支付 1.75% 的費用，最低收費為 1 美元。此選項適用於需要比 ACH 處理通常需要 3-5 個工作日更快的資金的人。

For debit card or Apple Pay withdrawals, users also pay a 1.75% fee, making it an affordable option for those looking to move money quickly. International withdrawals vary, but for card transactions, the fees usually fall between 1.75% and 2.75% depending on the region, helping cover the costs of cross-border transactions.

對於金融卡或 Apple Pay 提款，用戶還需支付 1.75% 的費用，對於那些希望快速轉移資金的人來說，這是一個負擔得起的選擇。國際提款各不相同，但對於卡片交易，根據地區不同，費用通常在 1.75% 至 2.75% 之間，有助於彌補跨境交易的成本。

Crypto Withdrawal Fees: For those withdrawing crypto from Uphold to an

加密貨幣提現費用：對於那些從 Uphold 提取加密貨幣至