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Home Platforms AAVE vs YouHodler

Compare AAVE vs YouHodler

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Pros & Cons

tick Very low loan rates available
tick No origination or early redemption fees
tick Interest accrued every second
tick Savings interest payments remain attached to coin even if transferred off platform
tick Fully open source platform
tick Know your customer checks are required on AAVE but not on YouHodler
tick Very high LTV up to 90% available on loans
tick Innovative Multi-HODL product allows market speculation with savings funds
tick Turbocharge allows highly leveraged speculation on crypto assets with multiple loans on one deposit of collateral
tick You can use NFTs as collateral
tick Higher average review rating than AAVE (82% vs 76%)
tick More reviews than AAVE (5,069 vs 24 reviews)
tick Higher rating on Trustpilot than AAVE (4.5 vs 3.2 stars)
tick Fiat exchange available on YouHodler but not on AAVE
tick Instantly buy crypto with fiat on YouHodler but not on AAVE
tick YouHodler uses cold storage crypto wallets but AAVE does not
tick YouHodler uses two factor authentication but AAVE does not
tick Has chat support but AAVE doesn't
tick Interface supports French, Korean, Japanese, Turkish, Polish, Spanish, Simplified Chinese, Russian, German and Italian whereas AAVE doesn't
Savings Rates
tick AAVE will pay interest on 2 stable coin deposits not offered by YouHodler:
1 more savings rates pro ...
Savings Rates
tick YouHodler has a higher base saving rate for 5 stable coins:
Tether (USDT) (10.7% vs 0.29%)
USD Coin (USDC) (10.3% vs 0.26%)
Dai (DAI) (10.3% vs 0.00554%)
TrueUSD (TUSD) (10.3% vs 0.367%)
Pax Dollar (USDP) (10.3% vs 1.52%)
More ...
tick YouHodler will pay interest on 2 stable coin deposits not offered by AAVE:
3 more savings rates pros ...
Loan Rates
tick YouHodler offers loans in 2 fiat currency deposits not offered by AAVE:
US Dollars (USD)
Euros (EUR)
cross Interface is a bit complex and confusing for amateur users
cross Transaction (gas) fees on the Ethereum network can be high, but AAVE does support a number of much cheaper Ethereum sidechains including Polygon and Avalanche
cross Not available in USA
cross High loan interest rates
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Reviews

76% based on 24 reviews
82% based on 5,069 reviews
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Savings Rates

The table below compares the savings rates for AAVE and YouHodler. Enter the amount you intend to deposit to get a more detailed comparison.
Stable Coins
DAI Dai
0.00554% - 0.881% APY
0.00554% - 0.881% APY
FRAX Frax
1.33% APY
1.33% APY
0.446% APY
0.446% APY
TUSD TrueUSD
0.367% - 0.522% APY
0.367% - 0.522% APY
USDC USD Coin
0.26% - 0.72% APY
0.26% - 0.72% APY
USDP Pax Dollar
1.52% APY
1.52% APY
USDT Tether
0.29% - 1.31% APY
0.29% - 1.31% APY
Crypto Currencies
AMPL Ampleforth
0.342% APY
0.342% APY
BAL Balancer
1.82% - 1.9% APY
1.82% - 1.9% APY
0.148% - 1.01% APY
0.148% - 1.01% APY
0.194% - 0.563% APY
0.194% - 0.563% APY
1.62% - 2.39% APY
1.62% - 2.39% APY
0.0148% APY
0.0148% APY
0.0387% - 0.664% APY
0.0387% - 0.664% APY
0.0545% APY
0.0545% APY
ETH Ethereum
0.206% APY
0.206% APY
FEI Fei USD
0.568% APY
0.568% APY
0.908% - 9.38% APY
0.908% - 9.38% APY
LINK Chainlink
0.0052% - 0.95% APY
0.0052% - 0.95% APY
0.137% - 0.503% APY
0.137% - 0.503% APY
MKR Maker
0.00072% - 1.52% APY
0.00072% - 1.52% APY
2.44% APY
2.44% APY
RENFIL renFIL
0.705% APY
0.705% APY
SNX Synthetix
0.301% - 16.3% APY
0.301% - 16.3% APY
UNI Uniswap
0.276% APY
0.276% APY
WAVAX Wrapped AVAX
0.671% APY
0.671% APY
0.00317% - 0.0115% APY
0.00317% - 0.0115% APY
WMATIC Wrapped Matic
1.54% APY
1.54% APY
XSUSHI xSUSHI
0.00002% APY
0.00002% APY
0.04% - 0.907% APY
0.04% - 0.907% APY
ZRX 0x
0.00409% - 0.0705% APY
0.00409% - 0.0705% APY
Loading rates ...
Stable Coins
DAI Dai
10.3% APR
10.3% APR
10% APR
10% APR
HUSD HUSD
12% APR
12% APR
TUSD TrueUSD
10.3% APR
10.3% APR
USDC USD Coin
10.3% APR
10.3% APR
USDP Pax Dollar
10.3% APR
10.3% APR
USDT Tether
10.7% APR
10.7% APR
Crypto Currencies
4% APR
4% APR
AAVE Aave
6% APR
6% APR
ADA Cardano
6% APR
6% APR
APE ApeCoin
30% APR
30% APR
ATOM Cosmos
3% APR
3% APR
AVAX Avalanche
6% APR
6% APR
25% APR
25% APR
3% APR
3% APR
5.5% APR
5.5% APR
BNB BNB
3% APR
3% APR
BNT Bancor
3% APR
3% APR
4.5% APR
4.5% APR
BTC Bitcoin
4.7% APR
4.7% APR
1.5% APR
1.5% APR
9% APR
9% APR
7% APR
7% APR
COMP Compound
2.5% APR
2.5% APR
DASH Dash
5.5% APR
5.5% APR
DOGE Dogecoin
3% APR
3% APR
DOT Polkadot
9% APR
9% APR
EGLD Elrond
5.5% APR
5.5% APR
EOS EOS
5% APR
5% APR
ETH Ethereum
5.5% APR
5.5% APR
FIL Filecoin
3.5% APR
3.5% APR
FTM Fantom
4% APR
4% APR
FTT FTX Token
4% APR
4% APR
GALA Gala
3% APR
3% APR
GMT STEPN
20% APR
20% APR
3% APR
3% APR
ILV Illuvium
3% APR
3% APR
LINK Chainlink
4.5% APR
4.5% APR
LTC Litecoin
5.5% APR
5.5% APR
4% APR
4% APR
3% APR
3% APR
MKR Maker
2.5% APR
2.5% APR
7% APR
7% APR
3% APR
3% APR
PAXG PAX Gold
5% APR
5% APR
REP Augur
2.5% APR
2.5% APR
3% APR
3% APR
SNX Synthetix
6% APR
6% APR
SOL Solana
10% APR
10% APR
SRM Serum
3% APR
3% APR
SUSHI SushiSwap
7% APR
7% APR
TRX TRON
7% APR
7% APR
UNI Uniswap
7% APR
7% APR
XLM Stellar
4.5% APR
4.5% APR
XRP XRP
5.5% APR
5.5% APR
XTZ Tezos
4% APR
4% APR
4.5% APR
4.5% APR
ZIL Zilliqa
5.5% APR
5.5% APR
ZRX 0x
4.5% APR
4.5% APR
Loading rates ...
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Loans Rates

The table below compares the loan rates for AAVE and YouHodler. Enter the amount you intend to borrow to get a more detailed comparison.
Fiat Currencies
Stable Coins
DAI Dai
1.47% - 4.64% APY
77% LTV 1.47% - 4.64% APY
TUSD TrueUSD
1.62% - 1.94% APY
80% LTV 1.62% - 1.94% APY
USDC USD Coin
1.61% - 2.11% APY
85.5% LTV 1.61% - 2.11% APY
Crypto Currencies
AAVE Aave
3% APY
50% LTV 3% APY
BAL Balancer
5.79% - 6.03% APY
65% LTV 5.79% - 6.03% APY
BAT Basic Attention Token
1.37% - 3.79% APY
75% LTV 1.37% - 3.79% APY
CRV Curve DAO Token
5.76% - 6.55% APY
55% LTV 5.76% - 6.55% APY
DPI DeFi Pulse Index
0.509% APY
65% LTV 0.509% APY
ENJ Enjin Coin
0.776% - 6.17% APY
60% LTV 0.776% - 6.17% APY
ENS Ethereum Name Service
1.03% APY
50% LTV 1.03% APY
ETH Ethereum
0.91% APY
0.75% LTV 0.91% APY
FEI Fei USD
1.82% APY
65% LTV 1.82% APY
KNCL Kyber Network Crystal Legacy
3.33% - 25.5% APY
60% LTV 3.33% - 25.5% APY
LINK Chainlink
0.26% - 4.29% APY
70% LTV 0.26% - 4.29% APY
MANA Decentraland
1.05% - 3.14% APY
61.5% LTV 1.05% - 3.14% APY
MKR Maker
0.0824% - 5.39% APY
65% LTV 0.0824% - 5.39% APY
SNX Synthetix
4.1% - 15% APY
49% LTV 4.1% - 15% APY
UNI Uniswap
2.31% APY
60% LTV 2.31% APY
WAVAX Wrapped AVAX
2.77% APY
50% LTV 2.77% APY
WBTC Wrapped Bitcoin
0.101% - 0.418% APY
70% LTV 0.101% - 0.418% APY
WMATIC Wrapped Matic
4.92% APY
65% LTV 4.92% APY
XSUSHI xSUSHI
0.0204% APY
50% LTV 0.0204% APY
YFI yearn.finance
0.769% - 4.2% APY
50% LTV 0.769% - 4.2% APY
ZRX 0x
0.205% - 1.11% APY
65% LTV 0.205% - 1.11% APY
Loading rates ...
Fiat Currencies
EUR Euros
16.2% - 25.6% APR
90% LTV 16.2% - 25.6% APR
USD US Dollars
16.2% - 25.6% APR
90% LTV 16.2% - 25.6% APR
Stable Coins
Crypto Currencies
Loading rates ...
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Company

Legal name
Aave SAGL
Legal name
Youhodler SA
Year founded
2017
Year founded
2017
Country incorporated in
222
Country incorporated in
222
Headquarters country
1
Headquarters country
222
Platform token
Aave
Platform token
Centralised
tick Yes
Centralised
tick Yes
Number of employees
50-100
Number of employees
11-50
Total assets under management
$18,000,000,000USD
Total assets under management
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Products

Futures exchange
cross No
Futures exchange
Savings accounts
tick Yes
Savings accounts
tick Yes
Loans
tick Yes
Loans
tick Yes
Crypto to crypto exchange
tick Yes
Crypto to crypto exchange
tick Yes
Fiat to crypto exchange
cross No
Fiat to crypto exchange
tick Yes
Pro exchange marketplace
cross No
Pro exchange marketplace
cross No
Peer to peer exchange
cross No
Peer to peer exchange
cross No
Margin trading
cross No
Margin trading
Corporate accounts
cross No
Corporate accounts
cross No
Instantly buy crypto with fiat
cross No
Instantly buy crypto with fiat
tick Yes
Integrated crypto wallet
tick Yes
Integrated crypto wallet
tick Yes
Fast account verification
tick Yes
Fast account verification
tick Yes
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Security

Insurance level
Insurance level
$150,000,000USD
Cold storage
cross No
Cold storage
tick Yes
Cold storage custodian
Cold storage custodian
Ledger Vault
Crypto security standard
Crypto security standard
Yes - Level of compliance not clear
Two factor authentication
cross No
Two factor authentication
tick Yes
Credit check
cross No
Credit check
cross No
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Support

24/7 support
cross No
24/7 support
cross No
Email support
tick Yes
Email support
tick Yes
Phone support
cross No
Phone support
cross No
Chat support
cross No
Chat support
tick Yes
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Fees

Exchange fees
0% exchange fees
Exchange fees
0% exchange fees
Fiat deposit fee
Fiat deposit fee
Free, except USD SWIFT (25 USD fee per deposit) and EUR SWIFT (25 EUR fee per deposit)
Crypto deposit fee
0
Crypto deposit fee
tick Free
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Investment Strategy

Liquidity pools
tick Yes
Liquidity pools
DeFi products
tick Yes
DeFi products
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Registrations & Regulation

Know your customer
cross No
Know your customer
tick Yes
Regulators
Regulated in the UK by the Financial Conduct Authority
Regulators
Financial Conduct Authority
tick Yes
Financial Conduct Authority
PCI DSS v3.2.1 Level 1
PCI DSS v3.2.1 Level 1
tick Yes
CryptoCurrency Security Standard (CCSS)
CryptoCurrency Security Standard (CCSS)
tick Yes
Cryptovalley Switzerland
Cryptovalley Switzerland
tick Yes
Blockchain Association
Blockchain Association
tick Yes
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Other Platform Comparisons

Important Message Definda does not provide any financial advice. All information is provided for research purposes only. DeFi is a rapidly evolving industry. Most businesses in the sector are very young and it is possible that some of them could go out of business in the future. Such an event could result in the loss of your investment. You should do your own research or consult a financial advisor before investing any money. Please read and satisfy yourself with our terms before continuing to use our website. We offer a free impartial comparison service of savings, loans and other DeFi products. We may receive a small commission from some of the companies listed, but this never influences our rankings. If you spot any errors in the information listed then please contact us at info@definda.com.

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