YouHodler Review YouHodler Review Pros, Cons and Is It Safe?

Our in-depth YouHodler review highlights its pros, cons and what you need to be aware of. We review YouHodler based on its safety, features, and much more.

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 Overview

Platform NameYouHodler
ProductsLending · Staking · Loans · Wallets · Exchange
Interest RatesUp to 8.33% APY on Stablecoins, 3.05% on BTC
Mobile AppYes - iOS & Android
Available in USANo
InsuredYes - $150 million
RegulatedYes - EU (Swiss) licensed
Withdrawal FeesVaries by crypto
Interest PaidWeekly

What Is YouHodler?

YouHodler is a digital financial institution that focuses on providing crypto-backed loans to its customers. Its mission is to help users maximize the full potential of their crypto assets while holding onto them.

YouHodler was co-founded in 2017 by Ilya Volkov, a reputable board member of the Crypto Valley Association in Switzerland. As of March 2022, about 174,000 people actively use YouHodler. Likewise, there have been more than 570,000 YouHodler account registrations.

Lending & Loans Summary

ProductCoinInterest Rate
Lending (56)BitcoinUp to 3.05% APY
StablecoinsUp to 8.33% APY
PolkadotUp to 10.52% APY
Staking (3)PolkadotUp to 14% APR
Loans (58)BitcoinFrom 0% APR
StablecoinsFrom 26.07% APR

What does YouHodler offer?

YouHodler offers you crypto-backed loans, a high-yield savings account, on-chain staking, and an exchange for crypto-fiat and crypto-crypto conversions.

With YouHodler, you can gain more on your deposited crypto assets with the Multi HODL and Dual Asset products.

Let’s take a deep dive into its main offering.

Crypto Loans

YouHodler Loans

YouHodler offers instant crypto loans that are secured with your crypto as collateral. This means you have instant access to funds without selling your crypto.

A benefit of YouHodler loans is the ease of getting them compared to traditional loans. There are no credit checks performed and paperwork to fill out.

You can get them in fiat, stablecoin, or crypto and then withdraw them to your credit card, bank, or exchange. Loans are available from $100 upward with a duration of 1 year for repayment.

You can manage your loan through several advanced features. Some of those features include increasing LTV and extending the price down limit to prevent a margin call.

Want to learn more? See YouHodler loan rates.

How to Borrow Cash With YouHodler

  1. .
  2. Pass required verifications (KYC and AML).
  3. Transfer crypto to your YouHodler wallet. YouHodler currently supports more than 50 collateral options.
  4. Get a crypto loan and withdraw funds.

Note: You avoid a taxable event when you spend the borrowed amount. This is because you didn’t sell your crypto. You can learn more about how crypto taxes work.

Earning Interest

YouHodler Crypto Savings Accounts

With YouHodler, you can earn interest on your idle crypto assets. This interest is compounded and paid weekly. The Interest you earn varies with your deposited assets.

You can get up to 8.32% interest rates on stablecoins annually while earning around 3-4% on other crypto assets.

Earning interest on your crypto assets with YouHodler can be a passive income. Your crypto works for you while holding it until the price goes up.

Want to learn more? See YouHodler savings interest rates.

The Dual Asset Product

Dual Assets allow you to generate higher interest rates by staking your crypto or stablecoins. The interest rates could be as high as 365% APR, which is more than what is earned in a conventional savings account.

This product uses the high-yield generation strategies known in DeFi to provide these returns.

On-Chain Staking

On-chain staking is a way to earn a return on your cryptocurrency by holding it in a wallet and participating in the validation of transactions on the blockchain. This can be done through a process called "proof of stake," where the holder of the cryptocurrency can "stake" their coins by locking them up in a wallet and participating in the consensus process to validate transactions. In return for this service, the staker is rewarded with a share of the transaction fees and block rewards generated by the network.

YouHodler have recently launched staking as an option for users to diversity their investments with the platform. It supports several cryptocurrencies including Ethereum, Solana, and Polkadot.

How to Start Earning Interest With YouHodler

  1. .
  2. Pass required verifications (KYC and AML).
  3. Deposit crypto into a YouHodler crypto interest account.
  4. Start earning.
To Boost Your Earnings With YouHodler Dual Asset Product;
  1. Choose a currency pair from the assets list
  2. Select the input coin
  3. Choose a staking plan
  4. Profit

Multi HODL

YouHodler Multi HODL

The Multi HODL is another tool that allows you to boost the value of your crypto assets. It does this by taking 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 of your crypto funds. However, it also exposes your crypto deposits to higher risk.

How to Use the Multi-HODL Tool

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 up to 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% in the Multi HODL account.


YouHodler provides an advanced multi-coin wallet that allows you to earn, stake, and multiply in one place. It is available for iOS, Android, and desktop operating systems.

With this wallet, you can:

  • 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

Fees Structure

YouHodler does not charge fees on crypto and stablecoin deposits. However, depositing fiat through bank wire or card requires fees.

The fees on crypto withdrawals depend on the coin and the blockchain network you wish to use. Likewise, bank 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, users must pay a 1% fee from the borrowed amount to extend the loan duration. Similarly, when a customer increases his LTV, 1.5% of the increased amount is deducted.

Supported Assets

YouHodler supports over 50 crypto assets you can earn interest in or use as collateral to secure loans. Some of these options are popular assets like Bitcoin, Ethereum, Tether, and Binance Coin.

Furthermore, you can also receive loans in fiats, such as EUR, USD, CHF, and GBP.

Is YouHodler Safe to Use?

YouHodler ensures that all operations on the platform are entirely secure by following industry requirements for crypto 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.

Security Features

YouHodler incorporated Ledger Vaults technology into its platform to keep assets secure.

YouHodler Insurance

YouHodler has access to Ledger Vault’s crime insurance program that insures crypto assets for up to $150 million against security breaches.

Although this cannot be compared with FDIC insurance, it's much better than nothing.

YouHodler Regulation

YouHodler is an EU (Swiss) based regulated company. They comply with Anti Money Laundering regulations. It is also a member of the Blockchain Association Financial Commission and Crypto Valley Association.


YouHodler is not registered in the U.S.; thus, it’s unavailable for U.S. residents.

Compare with YouHodler alternatives

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 its 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 max out at 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.

PlatformInterest Rates (APY)
Up to 7% on BTC
Up to 12% on Stablecoins
... 36 more coins
Up to 5% on BTC
Up to 0.08% on Stablecoins
... 196 more coins
Up to 3.05% on BTC
Up to 8.33% on Stablecoins
... 56 more coins


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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