30%
Of direct deposit users projected to activate an Auto-Invest rule
$50M
In recurring trade volume expected to flow through Auto-Invest
10
Assets per rule — fully configurable across crypto, metals, and savings
Uphold users were already holding crypto — but turning each incoming deposit into a recurring buy still required manual action every single time. Auto-Invest removes that entirely. Users configure a rule once: choose which deposit type triggers it, pick up to 10 assets, set a percentage for each, and walk away. From that moment on, every qualifying deposit is automatically traded the instant it lands.
Manual buying doesn't scale
Uphold users who wanted to dollar-cost average into crypto had to remember to do it themselves — log in, initiate a trade, pick an amount. Most didn't. Not because they weren't interested, but because recurring manual behaviour is inherently fragile. One busy week and the habit breaks.
The trigger was already there
If a deposit is already arriving on a predictable schedule, the trigger for a trade is already there. Auto-Invest just connects the two. The design challenge was making the configuration clear enough that users could set rules with confidence, and transparent enough that they always knew what would happen and when.
Choose your trigger
The rule creation flow starts with a single decision: which deposit type should trigger this rule — a direct deposit (paycheck or inbound ACH) or a wire transfer. Two rules can run simultaneously, one per type, so users can treat paycheck deposits and wire transfers differently.
Build your allocation
From there, users pick up to 10 assets or accounts and assign each a percentage. Whatever isn't allocated stays in the USD account. The interface shows the full picture at a glance — assets selected, percentages set, remainder accounted for — before a single rule goes live.
Every choice is reversible
Rules can be edited, paused, or deleted at any time from the same screen. Nothing is permanent. The configuration is always one tap away, and users can adjust allocations as their investment priorities change — without having to restart the setup.
Silence is the feature
Once a rule is live, the product gets out of the way. A push notification confirms when a deposit arrives and what was traded. If a trade fails — due to a delisted asset, a liquidity issue, or a minimum purchase threshold — the affected amount falls back to the USD balance and the user is notified clearly, without the rest of the rule being disrupted.
Designed for edge cases
The $0.99 small trade fee only applies when the full Auto-Invest is under $500, and never when the entire allocation goes to the USD Interest Account. Partial failures still execute the rest of the rule. These cases were mapped and designed explicitly so users never encounter an unexpected charge or a silent failure.
