维持审查：安全吗？你需要知道的一切

在本次 Uphold 评论中，我们将深入探讨您需要了解的有关使用 Uphold 应用程序作为加密货币交换等的所有信息。

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 是一个多资产交易平台，提供 300 多种资产的访问，包括加密货币、法定货币和贵金属。它以其“任意交易”交易功能而闻名，该功能允许用户一步在任何支持的资产之间进行交易。例如，用户可以将 BTC 交易为 XRP 或其他加密货币，而无需先转换为法定货币。

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 还提供美元利息账户，用户持有 1,000 美元或以上的美元可赚取高达 4.9% 的利息。 1,000 美元以下的余额仍可赚取 2%，这对于灵活账户来说具有竞争力。不收取任何费用，没有锁定，并且通过 FDIC 承保的银行网络为存款提供最高 250 万美元的保险，因此用户可以在需要时随时提款，而不会受到处罚。

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 的场外交易 (OTC) 平台称为 Uphold Ascent，面向需要顺利且私密地执行大额交易的大交易量交易者和机构客户。当您进行大笔交易时，避免影响市场价格至关重要，Uphold Ascent 可以智能地将订单发送到 30 多个不同的交易场所。

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 借记卡让您可以在接受 Visa 的任何地方轻松使用加密货币。使用该卡，您可以选择在每笔交易中使用哪种资产，因此您可以根据需要灵活地从 BTC、ETH 或美元余额中进行选择。奖励使交易更加甜蜜：使用数字资产进行购买可获得 2% 的加密货币返还，法币交易可获得 1% 的现金返还。

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 的费用结构很简单，但根据平台的交易、存款和取款选项而有所不同。以下是使用 Uphold 服务时预期成本的详细细分：

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.

交易费用：Uphold 不直接收取交易佣金，但会根据资产类型和流动性在每笔交易中收取点差。对于比特币 (BTC) 和以太坊 (ETH) 等热门加密货币，交易费用通常在 1.4% 至 1.6% 之间。这两种资产交易广泛，因此它们受益于相对较低的利差。

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.

对于稳定币——例如美元硬币（USDC）和美元泰达币（USDT）——以及主要法定货币，利差明显较低，约为 0.25%。对于希望在稳定资产之间进行快速交易且无需支付高额费用的用户来说，这是一个经济高效的选择。

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%.

流动性较低或利基山寨币的交易价差较高。这些资产的范围从 1.9% 到 2.95%，反映了 Uphold 为维持这些市场的流动性而付出的额外努力和风险。黄金、白银和铂金等贵金属也属于同一范围，利差通常在 1.9% 至 2.95% 之间。

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

存款费用：Uphold 的存款费用根据付款方式和地区的不同而有所不同，特别是在美国、英国、欧洲和加拿大之间。

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.

美国的ACH存款不收取任何费用，是一种便捷且经济高效的选择。然而，ACH 存款限额为每天 25,000 美元。对于通过信用卡或借记卡或通过 Apple Pay 和 Google Pay 存款，费用为存款金额的 3.99%。这适用于全球，包括加拿大用户，并且是数字平台的标准费率，用于支付基于卡的支付的即时处理成本。

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.

对于选择电汇的用户，Uphold 采用分割费用结构：任何高于 5,000 美元的电汇均免费处理，而低于此金额的转账则需支付 20 美元的费用。

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.

在英国和欧洲，快速支付 (FPS) 和 SEPA 存款通常是免费的。与卡存款 3.99% 的费用相比，这使得银行转账存款成为这些地区更实惠的方式。

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.

提款费用：Uphold 的提款费用取决于提款的方式和速度。在美国，标准 ACH 向银行账户提款是免费的，但如果您希望即时提款，则需支付 1.75% 的费用，最低收费为 1 美元。此选项适用于那些需要比 ACH 处理通常需要 3-5 个工作日更快的资金的人。

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.

对于借记卡或 Apple Pay 提款，用户还需支付 1.75% 的费用，对于那些希望快速转移资金的人来说，这是一个负担得起的选择。国际提款各不相同，但对于卡交易，根据地区不同，费用通常在 1.75% 至 2.75% 之间，有助于弥补跨境交易的成本。

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

加密货币提现费用：对于那些从 Uphold 提取加密货币至