YouHodler Review Earn Yield, Get Loans and Exchange Crypto

Did you realize that your cryptocurrency investment might yield you interest? See how it works by reading this YouHodler review.

Dean Fankhauser11 min read

Our take

4 out of 5 stars

YouHodler is a legitimate platform that provides a top-rated crypto lending service.

YouHodler is a lending platform that provides crypto loans and allows you to spend cash while saving or holding your crypto assets.

YouHodler's services include allowing customers to spend cash while holding crypto on their platform. Their collateral options are spread across the top 57 cryptocurrencies and stablecoins. Additionally, YouHodler offers crypto savings with 55 crypto assets and stablecoins.

Users can earn up to 10.52% annual interest on their cryptocurrency savings. As of March 2022, about 174,000 people actively use YouHodler. Likewise, there have been more than 570,000 YouHodler account registrations.

Ilya Volkov founded YouHodler in 2017. Since then, the company has made significant growth and is now a member of the Crypto Valley Association. Also, Ilya became a Crypto Valley board member in 2021.

YouHodler ensures the security of crypto-assets through an insurance program with Ledger Vault. Ledger Vault provides insurance for digital assets through a pool of $150 million in insurance funds.

This YouHodler review will deliver verified details on the services and features of the company. Also, we will discuss why you can trust this platform and how they stand out among other crypto lending platforms.

Key Findings

  • Borrow fiat and crypto.
  • Get fiat currency for everyday needs while using crypto as collateral.
  • Receive up to 10.52% APY on crypto deposits with the opportunity to earn compound interest.
  • Unique crypto loan features for efficient management of crypto assets.
  • A universal crypto exchange where users can convert between all cryptocurrencies available on YouHodler.
  • Easy deposit and instant withdrawal of crypto assets.
  • Guarantee of security of crypto holdings via an insurance policy with Ledger Vault.
  • Instant crypto loans starting from a minimum of $100.
  • Multi HODL - a tool to boost users' earnings by taking advantage of market volatility.

Lending & Loans Summary

ProductCoinInterest Rate
Lending (55)BitcoinUp to 3.05% APY
StablecoinsUp to 8.33% APY
PolkadotUp to 10.52% APY
Loans (57)BitcoinFrom 13.68% APR
StablecoinsFrom 26.07% APR

Midas.InvestmentsEarn higher yields on your crypto

  • 9.4% APY on BTC, 10.1% APY on ETH, 20% APY on USDC
  • Rewards are paid daily and in-kind
  • No limits, no lockups, no restrictions, and no tiers

Features and Services

About 174,000 active users process up to $1.2 billion worth of transactions across YouHodler services. The company has a crypto wallet, a feature in its mobile app and website.

YouHodler wallet and savings account users have an average balance of $12,900 in crypto holdings. Likewise, Bitcoin dominates 8.5% of the crypto asset in users' portfolios.

Crypto Savings Account

Along with crypto loans, YouHodler's services include a crypto savings account. You can earn up to 10.52% annual interest depending on market conditions and the cryptocurrency in your savings account.

For example, they offer 8.33% APY on USDT, 8.33% on USDC, HUSD, and TUSD, and 3.05% interest on Bitcoin. Crypto savings account rewards are paid weekly and withdrawn instantly.

YouHodler Crypto Savings Accounts

Want to learn more? See YouHodler savings interest rates.

Multi HODL

The Multi HODL tool is a feature that allows users to boost the value of their crypto assets by allowing them to take advantage of market volatility.

In contrast to a Savings Account that is conservative and less risky, the Multi HODL tool can rapidly increase the profit in your crypto funds. However, it also exposes your crypto deposits to higher risk.

YouHodler Multi HODL

To use the Multi HODL tool, select a coin and set a take profit price and maximum risk level. You will then initiate a chain of loans using borrowed fiat to purchase new crypto assets. The fiat currency serves as collateral for other loans within the chain. The number of loans depends on leverage.

According to statistics on YouHodler, the Multi HODL tool can deliver 290% profit. However, you might lose 50% (or more) of your crypto funds. Consequently, YouHodler encourages its customers to store 80% of their crypto portfolio in the savings account while putting 20% at higher risk in the Multi HODL account.


YouHodler savings account offers more than 50 coins and tokens. While the average interest rate among YouHodler savings accounts is 8.7%, the interest rates for most cryptocurrencies differ.

Therefore, YouHodler provides a calculator that estimates the crypto equivalent of interest payments customers will receive within one month, three months, and one year.

To know how much you will earn on your crypto value:

  1. Visit YouHodler's official website.
  2. Click on "MENU" and click on "Products."
  3. Select "Earn Interest." You will then find a calculator where you can select a cryptocurrency and enter an amount you wish to deposit.

After doing the tasks mentioned above, you will see the estimate of interest on your crypto.

Crypto-backed Loans

YouHodler provides crypto-backed loans in the form of cash. Using crypto as collateral allows crypto holders to make their assets work on their behalf. Also, the platform currently allows users to take NFT-backed loans.

Currently, the platform does not have an automated system for NFT-backed loans. To take such a loan, you will have to reach out to the company's support, where you will provide information about the NFT you are offering as collateral and the loan terms you can afford.

YouHodler customers can borrow crypto and fiat currencies while using crypto as collateral. Users can instantly withdraw fiat currency loans through a bank wire to personal banks or credit cards. Similarly, crypto loans are given in BTC or Stablecoins, and users can immediately transfer them to their crypto wallets.

YouHodler Loans

The minimum loan amount users can borrow on YouHodler is $100 up to a maximum of 90% loan to value ratio (LTV).

Most platforms in the crypto lending space only allow customers to use a few cryptos as collateral. On the other hand, YouHodler offers the top 50 cryptocurrencies as collateral options.

YouHodler retains the right to your crypto assets during the loan duration. Once repayment is complete, you will get your crypto collateral back in your YouHodler wallet.

Meanwhile, the platform did not provide much information about interest rates. However, customers can be sure that YouHodler provides excellent loan terms. Additionally, you can repay the loan and interest once at the end of the loan duration.

YouHodler delivers some advanced features for users to efficiently manage borrowed funds. For instance, YouHodler allows customers to increase their LTV after taking an initial loan. Thus, you can borrow more fiat before repaying an existing loan, depending on your loan eligibility criteria.

Also, users can extend a loan duration by reopening the loan. To reopen it, a user has to repay accrued interest on an existing loan. Afterward, YouHodler will allow you to extend the loan repayment date.

YouHodler Reopen Loans

Furthermore, users can use the "Close Now" feature to close crypto-backed loans without repayment by selling the loan collateral at a higher market value. YouHodler will sell your crypto automatically at a take-profit price you set. Once the system settles your debt, the remaining balance will go to your wallet.

Want to learn more? See YouHodler loan rates.

Fees Structure

YouHodler strives to maintain a transparent fee structure. They do not charge fees on crypto and stablecoin deposits. However, depositing fiat through bank wire or card requires some costs due to banking charges.

The fees on crypto withdrawals depend on the coin and the blockchain network you wish to use. Likewise, bank wire withdrawals attract some charges that vary for each currency.

Customers do not pay any fees while borrowing a loan. Instead, YouHodler charges its users for the advanced loan management features they offer. The "Close Now" feature requires a 1% fee from the overdraft amount.

Also, to extend loan duration, users have to pay a 1% fee from the borrowed amount. Similarly, when a customer increases his LTV, 1.5% of the increased amount is deducted.


YouHodler makes it super easy to access its crypto wallet and platform, whether it is through their desktop and mobile-friendly website or dedicated mobile application, available for download on the Apple Store and Google Play Store.

Both the website and app, enable users to:

  • Store Bitcoin and other crypto-assets the platform supports
  • Store crypto to earn interest and borrow money directly from YouHodler's wallet
  • Withdraw and transfer crypto assets
  • Exchange crypto

Can you Trust YouHodler?


YouHodler ensures that all operations on the platform are entirely secure by following industry requirements for crypto lending platforms. Furthermore, IT security checks, access rights, data protection, and data encryption are all in place.

YouHodler stores all fiat money at reputable financial institutions across Europe and Switzerland.

With their pawnbroker license, they have the right to accept a piece of art as collateral for a loan.

Want to learn more? See the safest crypto lending platforms.


YouHodler Insures users' assets using Ledger Vault's self-custody management solution. With Ledger Vault's infrastructure, YouHodler insures up to $150 million in a crime insurance pool.


YouHodler is a Blockchain Association Financial Commission member and an active member of Crypto Valley.

Want to learn more? Dive into crypto lending regulation.


Customers who have questions about YouHodler services can visit the Help page on their website. YouHodler periodically publishes articles that explain their products and any new upgrades to their services. In addition, users can reach YouHodler's customer support team using the chat icon on their website.

Alternative Crypto Lending platforms

YouHodler vs. Nexo

YouHodler vs. Nexo

  • YouHodler delivers crypto lending services in several countries but does not operate in the US. However, Nexo's jurisdiction extends to the United States.
  • YouHodler has no credit card system. But, Nexo operates a credit card with worldwide usage and has a native cryptocurrency for their platform.
  • While YouHodler can only insure $150 million with Ledger Vault's pooled crime insurance, Nexo has an insurance policy to the tune of $775 million.
  • YouHodler provides 57 cryptocurrencies as collateral options, while Nexo offers 33 coins for collateral. In addition, YouHodler users can borrow up to 90% of their crypto value, while Nexo's loan to value ratio is 50%.
  • YouHodler also allows users to extend the payment date on an outstanding loan, while Nexo doesn't offer such a service.

Want to learn more? Read our in-depth comparison of YouHodler vs. Nexo.

YouHodler vs. BlockFi

YouHodler vs. BlockFi

  • BlockFi is a financial institution where you can borrow a crypto loan or store cryptocurrencies.
  • BlockFi allows users to borrow up to NaN% of their crypto collateral. In comparison, YouHodler users can borrow up to 90% of their collateral.
  • The minimum amount you can borrow on BlockFi is $10,000, while YouHodler allows you to borrow as low as $100.
  • YouHodler provides more crypto collateral options than BlockFi. BlockFi offers 15 cryptocurrencies as collateral, while YouHodler customers can access over 50 crypto assets as collateral.

Want to learn more? Read our in-depth comparison of YouHodler vs. BlockFi.

PlatformInterest Rates (APY)
Up to 7% on BTC
Up to 12% on Stablecoins
... 34 more coins
Go to site →
Up to 9.42% on BTC
Up to 14.5% on Stablecoins
... 15 more coins
Go to site →
Up to 5.2% on BTC
Up to 10.3% on Stablecoins
... 23 more coins
Go to site →
Up to 3.05% on BTC
Up to 8.33% on Stablecoins
... 55 more coins
Go to site →


YouHodler is a legitimate platform that provides a top-rated crypto lending service. YouHodler's CEO, Ilya Volkov, is a Crypto Valley Association board member, and the company holds an insurance policy with Ledger Vault. Hence, users can trust YouHodler to deliver an excellent crypto lending service.

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