If you ask a 20-year-old what a "bank" should feel like in 10 years, they won't describe a branch or a balance. They'll describe flow: ... → Money that moves at internet speed → Works across borders → Speaks to the apps they use every day → And that feels a lot like messaging - borderless, instant, fungible, programmable. This generation won't accept a choice between 'old rails' and 'new rails'; they want them combined. Uphold's vision is a crypto-enabled neobank that unifies dollars, stablecoins, and digital assets in one simple place to earn, spend, send, and invest. This shows up in practical ways. → Paychecks land directly in Uphold and immediately start working harder, with rewards paid in digital assets. → Tap your card to spend what you hold - cash, stablecoins, or other assets - with seamless background conversions. On top we will soon be the first to offer FDIC-insured, Reg E-protected, tokenized U.S. dollar deposits with both a wallet address and a bank account. We're building in now, so in ten years' time, what feels visionary today will feel normal tomorrow!