YieldCompare · head to head
Toobit vs Uphold
Asset-by-asset comparison of rates and risk profiles
Short answer
Uphold is the safer of the two: it passes 4 of our five public safety checks, while Toobit passes 3.
On rates, the highest advertised APY is 12 % at Toobit and 11.6 % at Uphold. Base rates only, no promo tiers.
Toobit
Safety grade C
5 checks ✗ ✓ ✓ ✗ ✓
USDT 3.1 %
BTC 0.15 %
ETH 1.5 %
Top product KITE · 12 %
Products tracked 41
Coins tracked 41
Jurisdiction Cayman Islands; EU clients contract with Elyndret Sp. z o.o. (Poland)
Founded 2022
Min deposit $0
Open Toobit → 
Uphold
Safety grade B
5 checks ✓ ✓ ✓ ✗ ✓
USDT —
BTC —
ETH 0.67 %
Top product ATOM · 11.6 %
Products tracked 22
Coins tracked 22
Jurisdiction USA (FinCEN MSB) + UK FCA + EU
Founded 2014
Min deposit $1
Open Uphold → Coin by coin
Shared coins, side by side
| Asset | Toobit | Uphold | Winner |
|---|---|---|---|
| ATOM | 3.0 % | 11.6 % | ★ Uphold |
| AVAX | 2.0 % | 3.19 % | ★ Uphold |
| NEAR | 3.0 % | 1.41 % | ★ Toobit |
| SOL | 3.0 % | 1.64 % | ★ Toobit |
| APT | 2.2 % | 0.58 % | ★ Toobit |
| ADA | 2.0 % | 0.99 % | ★ Toobit |
| DOT | 2.0 % | 1.81 % | ★ Toobit |
| POL | 2.0 % | 1.78 % | ★ Toobit |
| ETH | 1.5 % | 0.67 % | ★ Toobit |
| SUI | 1.2 % | 0.46 % | ★ Toobit |
| HBAR | 0.6 % | 0.33 % | ★ Toobit |
| KITE | 12 % | — | ★ Toobit |
| ZAMA | 5.0 % | — | ★ Toobit |
| INJ | — | 4.86 % | ★ Uphold |
| AXL | — | 4.26 % | ★ Uphold |
| TRUMP | 4.0 % | — | ★ Toobit |
| TRX | 4.0 % | — | ★ Toobit |
| CSPR | — | 3.29 % | ★ Uphold |
| CCD | — | 3.25 % | ★ Uphold |
| USDT | 3.1 % | — | ★ Toobit |
| BONK | 3.0 % | — | ★ Toobit |
| CAKE | 3.0 % | — | ★ Toobit |
| COAI | 3.0 % | — | ★ Toobit |
| USDC | 2.5 % | — | ★ Toobit |
| CRV | 2.1 % | — | ★ Toobit |
| XAUT | 2.0 % | — | ★ Toobit |
| TAO | — | 1.59 % | ★ Uphold |
| ALGO | — | 1.51 % | ★ Uphold |
| GRAM | 1.5 % | — | ★ Toobit |
| WLFI | 1.5 % | — | ★ Toobit |
| XPL | 1.5 % | — | ★ Toobit |
| XTZ | — | 1.15 % | ★ Uphold |
| ASTER | 1.1 % | — | ★ Toobit |
| LTC | 1.1 % | — | ★ Toobit |
| BNB | 1.0 % | — | ★ Toobit |
| PAXG | 1.0 % | — | ★ Toobit |
| UNI | 1.0 % | — | ★ Toobit |
| ROSE | — | 0.99 % | ★ Uphold |
| XDC | — | 0.85 % | ★ Uphold |
| OP | 0.6 % | — | ★ Toobit |
| SAND | 0.6 % | — | ★ Toobit |
| DOGE | 0.5 % | — | ★ Toobit |
| ONDO | 0.5 % | — | ★ Toobit |
| PEPE | 0.5 % | — | ★ Toobit |
| XRP | 0.5 % | — | ★ Toobit |
| KSM | — | 0.44 % | ★ Uphold |
| LINK | 0.4 % | — | ★ Toobit |
| ETC | 0.35 % | — | ★ Toobit |
| ARB | 0.26 % | — | ★ Toobit |
| FLR | — | 0.22 % | ★ Uphold |
| SHIB | 0.2 % | — | ★ Toobit |
| BTC | 0.15 % | — | ★ Toobit |
Safety — check by check
| Check | C Toobit | B Uphold |
|---|---|---|
| Regulation | ✗ | ✓ |
| Proof-of-Reserves | ✓ | ✓ |
| Flexible withdrawal | ✓ | ✓ |
| Insurance Fund | ✗ | ✗ |
| Track record (2+ years incident-free) | ✓ | ✓ |
| Score | 3/5 · C | 4/5 · B |
The five public criteria behind each platform's grade. Each ✓ is one point — more points, safer grade. A highlighted ✓ is where one platform wins the criterion outright.