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Your Agreement with Atomic Brokerage LLC

Last updated Sep 8, 2025

easyBitcoin.app (as powered by Uphold HQ, Inc., “Uphold,” licensed by and in partnership with easyGroup Ltd., “EG,”) provides access to a USD Interest Account (“Interest Account”), a brokerage account offered by Atomic Brokerage LLC (“Atomic Brokerage”). Neither Atomic Brokerage LLC nor its affiliates are a bank. APY subject to change at any time, with or without notice.

FDIC Insurance

You are able to have up to $2,500,000 ($250,000 per depositor, per ownership category, per insured bank for each account) Federal Deposit Insurance Corporation (FDIC) insurance for deposits in your Atomic Brokerage account when funds are deposited into all ten unaffiliated bank deposit accounts in the Atomic Cash Sweep Program (subject to coverage limits and eligibility requirements). Funds held in your Atomic Brokerage account are not FDIC insured. Funds held in your Atomic Brokerage account solely for the purpose of accessing the Cash Sweep are also not protected by SIPC.

You understand and acknowledge that FDIC insurance coverage is subject to applicable limits. The maximum amount of FDIC insurance protection is capped at $2.5 million USD in the aggregate, combined between both Uphold HQ Inc. and easyGroup Ltd. platforms under any and all circumstances. Such coverage constitutes the total combined limit of FDIC protection irrespective of the number of accounts, account holders or deposits maintained.

Rates

Balances of $10 or more earn 4.5% APY. Balances below $10 earn 2% APY. Rates subject to change. Interest is paid by the 5th of each month following the month it’s earned.

You can also opt in to have your interest auto-converted to BTC. In this case, this comes with a 4.4% APR and conversion fees apply.

Atomic Brokerage Documents

You confirm that you have been provided with, read, understood, and agree to the agreements, disclosures and policies listed below:

You also confirm that:

  • You agree to resolve any disputes with Atomic Brokerage through binding arbitration.
  • You agree that electronic signatures are legally binding and to the electronic delivery of account communications.
  • You have read, understood, and agree to the Taxpayer Certification, including that you are not subject to back-up withholding and are exempt from FATCA reporting for this account. 
  • By participating in the Atomic Brokerage Cash Sweep Program, you agree to the Cash Sweep Program Terms & Conditions. You should not expect cash in your brokerage account or while in transit to be protected by SIPC or FDIC insurance; cash is only protected by FDIC insurance (subject to coverage limits and eligibility requirements) once it is deposited by Atomic Brokerage in the unaffiliated bank deposit accounts. If you prefer your cash to be invested in a Money Market Fund eligible for SIPC coverage, you must send an email to [email protected] to discuss your options.

In addition to the foregoing, by opening an Interest Account provided by Atomic Brokerage, you expressly agree to the following:

  • Your Interest Account will be linked to and accessible through your easyBitcoin.app  account powered by Uphold. The easyBitcoin.app  account is an account held with Uphold licensed by and in partnership with easyGroup Ltd. and designed to purchase Bitcoin.  
  • If you elect to have interest earned in your Interest Account automatically transferred to your easyBitcoin.app account to be invested by Uphold in Bitcoin, you hereby instruct Atomic Brokerage to transfer any interest earned in your Interest Account to your easyBitcoin.app account to be invested in Bitcoin until otherwise directed by you or your easyBitcoin account is closed.
  • If any ACH deposit that you make to your easyBitcoin.app account and transfer to the Interest Account is returned or fails for any reason, you authorize Uphold to initiate a transaction to reverse the deposit or recover the funds.
  • Uphold and Atomic Brokerage reserve the right at any time to discontinue the Interest Account or to modify, amend, or supplement the terms, in their sole discretion. To the extent this occurs, the Interest Account will be closed by Atomic Brokerage without prior notice.
  • You will be solely responsible for the reporting and payment of any and all taxes, if any, that may result from any interest earned via the Interest Account.
  • If you wish to gain access to money market funds, you may contact Atomic Brokerage to  facilitate the setup of a separate account on your behalf for this purpose. Uphold is not a broker dealer or registered investment advisor and does not recommend or endorse the purchase or sale of any securities.
  • When you request that funds be disbursed from your account through the Uphold application interface, you authorize Atomic Brokerage to act on that request by disbursing account assets from your Atomic Brokerage account to a facilitation account in the name of Atomic Brokerage LLC For the Benefit Of Its Users.
  • You consent to sharing the personal information you provided to Uphold with Atomic Brokerage for the purpose of account creation and maintenance (including name, date of birth, social security number, address, documentation, and images collected, etc.).
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Uphold HQ Inc. is not affiliated with, but has an engagement with, Atomic Brokerage LLC (Atomic), a registered broker dealer and member FINRA/SIPC, to bring you the opportunity to open a brokerage account through Atomic Brokerage LLC (Interest Account) in which cash is swept into unaffiliated bank deposit accounts opened for you by, and in the name of, Atomic as agent and custodian. You should not expect cash in your Interest Account to be protected by SIPC or FDIC insurance, and cash is only protected by FDIC insurance (subject to coverage limits and eligibility requirements) once deposited by Atomic in the unaffiliated bank deposit accounts. If you prefer your cash to be invested in a Money Market Fund eligible for SIPC coverage, you must send an email to [email protected] to discuss your options. For full details about the Atomic Cash Sweep Program, see the Terms & Conditions. For more details about Atomic, please see their Form CRS, General Disclosures, Privacy Policy, fee schedule, and BrokerCheck. Neither Atomic nor any of its affiliates is a bank.

The Atomic Cash Sweep ("Cash Sweep") is a product offered by Atomic Brokerage that allows clients to earn interest on the available cash in their Atomic Brokerage account. Through Cash Sweep, clients' funds are deposited into an interest-bearing deposit account (“Deposit Account”) at one or more banks ("Program Banks"), where the funds earn a variable interest rate and are eligible for FDIC insurance coverage.

The annual percentage yield (APY) on the deposit balances in Cash Sweep is variable and subject to daily changes. Clients’ actual APY may be lower if they designate certain banks as ineligible to receive their deposits. The Program Bank list may change over time. For a current list of the Program Banks at any point in time, please refer to Atomic Brokerage’s website or contact Atomic Brokerage. Atomic Brokerage and third parties receive a fee for the Atomic Cash Sweep program.

If you participate in Cash Sweep, you authorize Atomic Brokerage to allocate your funds among one or more Program Banks at its discretion. Deposits at each Program Bank are insured by the FDIC up to $250,000 per insurable capacity. In total, funds deposited into Cash Sweep are eligible for up to $2,500,000 of FDIC insurance once the funds reach one or more Program Banks (up to $250,000 for each insurable capacity at up to 10 Program Banks). However, if clients exclude certain Program Banks, the amount of available FDIC insurance may be lower. Clients are responsible for monitoring the total amount of deposits that they have with each Program Bank, in order to determine the extent of FDIC deposit insurance coverage available to them. For more information on FDIC insurance, visit www.FDIC.gov.

Balances maintained in the Deposit Accounts at each Program Bank are FDIC insured but are not protected by SIPC. You should not expect cash deposited in an Atomic Brokerage account solely for the purpose of accessing the Cash Sweep to be protected by SIPC or FDIC insurance, and cash is only protected by FDIC insurance (subject to coverage limits and eligibility requirements) once deposited by Atomic in the unaffiliated bank deposit accounts. If you prefer your cash to be invested in a Money Market Fund eligible for SIPC coverage, you must send an email to [email protected] to discuss your options. You may obtain further information about SIPC coverage, including a brochure that describes SIPC and SIPC insurance, by accessing the SIPC website at www.sipc.org.

*The Interest Account is a brokerage account offered by Atomic Brokerage LLC. Funds in the account are in USD. Balances of $10 or more earn 4.5% APY. Balances below $10 earn 2% APY. Rate subject to change. See Cash Sweep Program Terms and Conditions. Neither Atomic Brokerage LLC nor its affiliates are a bank.

 

Uphold HQ Inc. NMLS ID No. 1269875, Registered Office: 80 East Sir Francis Drake Blvd., Ste. 3E, Larkspur, CA 94939.

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