The Universal Protocol Platform, a transformational development for the blockchain industry, will make all cryptocurrencies accessible and convertible on a single network - and in a form significantly more convenient and secure than currently available. Creating a practical value proposition for the vast majority of people who have yet to participate in the cryptocurrency market, the UP model paves the way towards the mass adoption of blockchain technology by overcoming three of the biggest challenges facing the industry: the lack of interoperability between blockchains, concerns over cryptocurrency security and an existing product set that has been largely focused on serving the speculative fascination of a vanguard few. Conceived by a coalition of cryptocurrency companies and blockchain pioneers - including Brave, Blockchain at Berkeley, Cred and Uphold - the UP Platform is specifically designed to help decentralized ledger technology achieve mainstream adoption as the universal method for transferring value over the internet and deliver economic benefits to the many, i.e. everyone who has a bank account. The ecosystem opens up a new world of tokenized digital assets - ranging from Proxy cryptocurrencies such as Bitcoin, to Proxy fiat currencies like USD, to Proxy Private Equity - and facilitates the instant and seamless conversion of different forms of value over a single blockchain, using smart contracts to reduce dependence on centralized exchanges. Adopting a model of hybrid decentralization, the UP Platform will appeal to blockchain purists by enabling decentralized exchange of all cryptocurrencies and other tokenized assets, while satisfying more risk-averse users by offering a highly-secure wallet option. For ordinary users, the model introduces access to universally desirable benefits like cheaper credit and higher yield on deposits, as well as to safeguards that render cryptocurrencies significantly more practical and convenient to own, such as key recovery, inheritability and loss assurance.