Article Details

Uphold Introduces “Early Paycheck,” Giving Users Access to Paycheck Funds Up to Two Days Faster

New York, United States, February 10th, 2026, Chainwire

• Get paid early: users can access funds up to two days before their scheduled payday
• Zero effort: all Direct Deposit users are automatically enrolled—no sign-ups or opt-ins required
• Earn rewards: users receive 4% back in XRP on all qualifying paycheck deposits

Uphold, the modern infrastructure provider for on-chain finance, is making the traditional “payday” a thing of the past. Starting today, U.S. customers using Uphold for Direct Deposit can access their paychecks up to two days early, providing more flexibility in how they access and manage their daily finances.

The new Early Paycheck feature is designed to put money in users’ hands faster, accelerating typical processing times.

A Smarter Way to Handle Your Paycheck

The introduction of Early Paycheck gives users one more reason to use Uphold as part of their daily financial lives. 

In addition to Early Paycheck users can: 

• Deposit and earn rewards: users earn 4% XRP back on every paycheck deposit above $250
• Grow their money: customers receive up to 3.75% APY1 with a USD Interest Account. Deposits are FDIC-insured up to $2.5 million
• Spend their balance: whether in crypto, stablecoins, fiat or metals – with the Uphold Debit Card, while earning up to 4% XRP rewards on nearly every purchase

“At Uphold, we believe you shouldn’t have to wait for the money you’ve already earned,” said Nancy Beaton, President of Uphold U.S. “Our goal is to make your money work harder for you. By combining early access with industry-leading rewards, we’re helping our users get the most out of every dollar.”

The Early Paycheck service is now available to all U.S. customers who deposit all or a portion of their paycheck into their Uphold account. Users will receive a notification the moment their funds are available for use.

Disclaimer:

1. This interest rate is subject to change 

About Uphold 

Uphold, is a financial technology company that believes on-chain services are the future of finance. It provides modern infrastructure for on-chain payments, banking and investments. Offering Consumer Services, Business Services and Institutional Trading, Uphold makes financial services easy and trustworthy for millions of customers in more than 140 countries. 

Uphold integrates with more than 30 trading venues, including centralized and decentralized exchanges, to deliver superior liquidity, resilience and optimal execution. Uphold never loans out customer assets and is always 100% reserved. 

The company pioneered radical transparency and uniquely publishes its assets and liabilities every 30 seconds on a public website (https://uphold.com/en-us/transparency).

Uphold is regulated in the U.S. by FinCen and State regulators; and is registered in the UK with the FCA and in Europe with the Bank of Portugal. Securities products and services are offered by Uphold Securities, Inc., a broker-dealer registered with the SEC and a member of FINRA and SIPC.

To learn more about Uphold’s products and services, visit uphold.com.

Contact

Kirsten Paul
Eureka Box
kirsten@eurekabox.net

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