Sunday, February 14, 2016

Strong Indications that Uphold (formerly BitReserve) is Insolvent.

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Uphold (formally BitReserve) allows anyone anywhere to buy and convert any form of currency or commodity for free (claims to store customers assets in fully reserved fashion) but by the looks of things the company is heading into insolvency.


After running some math from the company\’s transparency page (https://uphold.com/en/transparency) I am very surprised to learn the company could be on the verge of a disaster.


If you head to their transparency page (*link above) you will see that they have the following:


$ 113,589,243 in Assets $ 112,534,729 in Obligations to Members


= $ 1,054,514 in Equity


After running your eyes through it seems like the company is in great condition, except for the fact $ 107,936,914 of the “assets” are comprised of the voxel cryptocurrency. There is no way “Voxel” should belong on a reserve statement with national currencies, as it is a speculative security that should be marked elsewhere. Any attempt to sell this position would result in massive write-downs.


Let's subtract the Voxel currency and look at Uphold\’s actual balance sheet:


$ 5,652,329 in Assets $ 5,772,180 in Obligations to Members.


= A deficiency of $ 120,000!


Uphold owes its members more gold for example ($ 60k) then is held, Uphold also owes more Bitcoin ($ 600k) then is held. If there is any increase in the bitcoin or gold price, Uphold\’s deficiency grows as it is taking a speculative position instead of fully reserving these obligations. I have strong belief that this is a violation of many laws, which could result in a catastrophic halt.



submitted by /u/askwhy10
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Strong Indications that Uphold (formerly BitReserve) is Insolvent.

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