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Home Platforms AQRU vs YouHodler

Compare AQRU vs YouHodler

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Definda Score™

The Definda Score is an impartial, objective analysis of platform features.
Staking Yields
2
Loan Rates
2
Established
2
Reviews
8
Risk Management
6
Withdrawals
6
Coverage
2
Support
6
Staking Yields
8
Loan Rates
2
Established
2
Reviews
9
Risk Management
8
Withdrawals
9
Coverage
3
Support
8
Staking Yields
2.3
Staking Yields
8.4
Loan Rates
2
Loan Rates
2
Established
1.7
Established
2.3
Reviews
8
Reviews
8.9
Risk Management
6
Risk Management
8
Withdrawals
6
Withdrawals
9
Coverage
2.1
Coverage
3.4
Support
6
Support
8

Pros & Cons

tick Simple, easy to use interface.
tick Competitive exchange rates.
tick Competitive interest rates for large deposits.
tick Clear ownership structure and regulatory status.
tick Run by strong, professional team.
tick No tiered savings rates. Rate applies to entire balance.
tick Unique AQRU Trend investment product
tick AQRU Ten makes it easy to diversify your crypto portfolio
tick Offers corporate accounts but YouHodler doesn't
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 AQRU (87% vs 80%)
tick More reviews than AQRU (164 vs 11 reviews)
tick Higher rating on Trustpilot than AQRU (4.3 vs 3.8 stars)
tick Been in business longer than AQRU (Founded 2017 vs 2021)
tick Quicker time to withdraw crypto than than AQRU (Under 1 hour vs 24 hours)
tick Offers loans but AQRU doesn't
tick Margin trading available on YouHodler but not on AQRU
tick Has a lower level of insurance than AQRU
tick Has 24/7 support but AQRU doesn't
tick Invests in DeFi products but AQRU doesn't
tick Interface supports French, Korean, Japanese, Turkish, Polish, Spanish, Simplified Chinese, Russian, German and Italian whereas AQRU doesn't
Staking Rates
tick AQRU has a higher base earnings rate for Bitcoin (BTC) (< 0.01%% vs 3.00000%)
cross Institutional investors only. Min deposit $250,000 USD.
cross High $20 fee for crypto withdrawls.
cross Limited number of coins supported.
cross Loans not available.
cross Need to manually fund savings accounts rather all deposits automatically earning interest.
cross Not available in USA
cross High loan interest rates
cross Investments in liquidity pools can be higher risk
cross Liquidity pool investments are only suitable for advanced crypto users
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Withdrawals

Withdrawal Time
24 hours
Withdrawal Time
Less than 1 hour
Withdrawal Score
6
Withdrawal Score
9
Withdrawals Experience

Crypto withdrawls on AQRU are not instant. They are processed daily at 2pm UTC. This means that if you make a withdrawl request at 3pm UTC you will have to wait until 2pm UTC the next day before it is processed. Once withdrawl requests begin processed at 2pm UTC they normally seem to complete by 3pm UTC in our experience.

If you have yoru funds invested in one of AQRU's investment products you will first need to withdraw your funds back in to your AQRU crypot wallet by selling the investment product. Only then can you make a withdrawl request to an external wallet.

Crypto withdrawls also attract fees. There is a $10 USD fee for Bitcoin withdrawls and a $20 USD fee for all other crypto withdrawls. There is no fee for fiat withdrawls.

There is no record of AQRU undertaking a blanket freeze of withdrawls across the platform. Some users have experienced delays in withdrawls as AQRU has been obliged to to ask further questions about the transfer to comply with its regulatory obligations.

Withdrawals Experience

In order to be eligible to make withdrawals you need to have completed the platform Know Your Customer (KYC) and Anti-Money Laundering (AML) checks.

The minimum withdrawal amount for cryptocurrencies is 5 USD and for stablecoins is 50 USD. Most crypto withdrawals do not attract fees, but this does vary by currency.

In our experience withdrawals are very fast, and appear to be automatically processed as soon as the request is made.

Many customer reviews mention how smooth the withdrawal process is.

There is no record of YouHodler ever having frozen withdrawals.

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Risk

Risk Management Score
6
Risk Management Score
8
Risk Management

AQRU stores its uninvested crypto with a third party custodian, Fireblocks, which ensures that these funds are well protected against loss due to hacking and fraud. In addition AQRU has insurance of $30 million against crypto losses.

AQRU has implemented two factor authentication within it's app to increase security levels.

What remains unclear is AQRU's investment strategy that is uses to generate yield. AQRU launched with market leading interest rates on its savings accounts which suggests that a higher level of risk was being taken with its internal investment strategy. Having said this, AQRU has now significantly reduced its savings rates and AQRU has never frozen withdrawls or suffered any outage or loss of customer funds.

AQRU have stated that they lend funds to institutions in return for yield. AQRU states that they usually demand collateralisation on thse loans. The level of collateralisation is not stated, and it is concerning if some of their loans are not fully collateralised. Ideally they would be requiring well over 100% over-collateralisation on all loans so that in all circumstances AQRU holds sufficient assets to repay the loan in the event of a default by the borrower.

AQRU offers a blended stablecoin investment product. This product invests in USDC, DAI and some other stablecoins which are not stated. Diversifying the fund across a number of stablecoins reduces risk, but the lack of full transparancy means there could be some high risk coins included.

AQRU offers enhanced savings ratings on USDC deposits when locked up for a 90 day term. This is through a deal with Maple Finance. AQRU provide a detailed run down of this deal here. The article discusses Maple Finance's risk management strategy, including the diversification and overcollateralisation of loans made by Maple. However, the managed underwriting of some loans is also discussed, which presumably adjusts collateral requirements depending on the credit status of the borrower. There is a separate fund that can be called upon in the case of borrower defaults. Overall AQRU and Maple are offering a good level of transparency on how their lending strategy works. However in the event of large number of depositors making withdrawal requests, it is possible that liquidity could still be an issue.

Some crypto platforms can provide proof of reserves prepared by a third party. This proof of reserves proves that the platform holds more assets than customer liabilities. AQRU does not currently provide proof of reserves, but hopefully this is something that they will look to implement in the future.

Overall, AQRU is a young platform backed by a solid, experienced team. They have a simple model and appear to be aiming for transparency. As the platform continues to grow we expect further reasurances on their investment strategy will be provided.

Risk Management

YouHodler offers two factor authentication on accounts to increase security against unauthorised access.

Fiat deposits are stored with reputable banks and crypto deposits are stored with Ledger Vault and covered by $150m insurance.

YouHodler is unique in its approach to yield generation. Unlike most other platforms, YouHodler does not lend funds outside of the platform. YouHodler does not invest funds into liquidity pools, DeFi protocols or other high-risk strategies. All yield is generated within the YouHodler platform through interest on loans taken out on the platform and fees charged by the platform.

We were unable to find any independent proof of reserves for YouHodler. Such proof would normally be undertaken by an independent accountant and would verify that the platform holds assets of greater value than customer liabilities (deposits). We hope YouHodler will look to introduce this in the future as it provides significant reassurance that the platform holds sufficient funds to repay all customer deposits if required.

YouHodler does provide a page of interesting stats about the platform. These stats include a chart which compares YouHodler's revenue against interest payments. The chart shows that revenue exceeds interest payments, although in some quarters the revenue has only marginally been higher than interest payments. Nonetheless, the chart provides some reassurance over the liquidity of the YouHodler platform.

YouHodler engages external security consultants to audit the security of the YouHodler platform.

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Reviews

80% based on 11 reviews
87% based on 164 reviews
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Staking Rates

The table below compares the staking rates for AQRU and YouHodler.
Stable Coins
USDC USDC
3%
3%
Crypto Currencies
BTC Bitcoin
<&nbsp;0.01%
<&nbsp;0.01%
ETH Ethereum
2%
2%
Loading rates ...
Stable Coins
BUSD BUSD
8%
8%
DAI Dai
8%
8%
8%
8%
HUSD HUSD
8%
8%
TUSD TrueUSD
8%
8%
USDC USDC
8%
8%
USDP Pax Dollar
8%
8%
8%
8%
Crypto Currencies
4%
4%
AAVE Aave
6%
6%
ADA Cardano
6%
6%
APE ApeCoin
30%
30%
ATOM Cosmos
3%
3%
AVAX Avalanche
9.5%
9.5%
25%
25%
3%
3%
5.5%
5.5%
BNB BNB
3%
3%
BNT Bancor
3%
3%
4.5%
4.5%
BTC Bitcoin
3%
3%
1.5%
1.5%
7%
7%
COMP Compound
2.5%
2.5%
DASH Dash
5.5%
5.5%
DOGE Dogecoin
3%
3%
DOT Polkadot
9%
9%
EGLD MultiversX
5.5%
5.5%
EOS EOS
5%
5%
ETH Ethereum
4%
4%
FIL Filecoin
3.5%
3.5%
FTM Fantom
4%
4%
FTT FTX Token
4%
4%
GALA Gala
3%
3%
GMT GMT
20%
20%
3%
3%
ILV Illuvium
3%
3%
LINK Chainlink
3.7%
3.7%
LTC Litecoin
5.5%
5.5%
4%
4%
3%
3%
MKR Maker
2.5%
2.5%
7%
7%
3%
3%
PAXG PAX Gold
3%
3%
REP Augur
2.5%
2.5%
3%
3%
SNX Synthetix
6%
6%
SOL Solana
8%
8%
SRM Serum
3%
3%
SUSHI SushiSwap
7%
7%
TRX TRON
7%
7%
UNI Uniswap
7%
7%
XLM Stellar
4.5%
4.5%
XRP XRP
4%
4%
XTZ Tezos
4%
4%
4.5%
4.5%
ZIL Zilliqa
5.5%
5.5%
4.5%
4.5%
Loading rates ...
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Company

Legal name
AQRU Plc
Legal name
Youhodler SA
Year founded
2021
Year founded
2017
Country incorporated in
42
Country incorporated in
222
Headquarters country
1
Headquarters country
222
Decentralised
cross No
Decentralised
cross No
Number of employees
Number of employees
11-50
Total assets under management
$50,000,000USD
Total assets under management
Withdrawal time in hours
24hours
Withdrawal time in hours
0
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Products

Savings accounts
tick Yes
Savings accounts
tick Yes
Loans
cross No
Loans
tick Yes
Crypto to crypto exchange
tick Yes
Crypto to crypto exchange
tick Yes
Fiat to crypto exchange
tick Yes
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
tick Yes
Corporate accounts
tick Yes
Corporate accounts
cross No
Instantly buy crypto with fiat
tick Yes
Instantly buy crypto with fiat
tick Yes
Integrated crypto wallet
tick Yes
Integrated crypto wallet
tick Yes
Crypto withdrawals to private wallet
tick Yes
Crypto withdrawals to private wallet
tick Yes
Fast account verification
tick Yes
Fast account verification
tick Yes
Futures exchange
cross No
Futures exchange
cross No
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Security

Insurance level
$30,000,000USD
Insurance level
$150,000,000USD
Cold storage
Cold storage
tick Yes
Cold storage custodian
Fireblocks
Cold storage custodian
Ledger Vault
Crypto security standard
Crypto security standard
Yes - Level of compliance not clear
Two factor authentication
tick Yes
Two factor authentication
tick Yes
Loan over collateralisation percent
Over 100% over-collateralisation
Loan over collateralisation percent
100%+
Credit check
cross No
Credit check
cross No
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Support

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

Exchange fees
0.35% flat rate
Exchange fees
0% exchange fees
Fiat deposit fee
tick Free
Fiat deposit fee
Free, except USD SWIFT (25 USD fee per deposit) and EUR SWIFT (25 EUR fee per deposit)
Fiat withdrawal fee
tick Free
Fiat withdrawal fee
USD (SWIFT) - 5% (min 70 USD), EUR (SEPA) - 5 EUR, EUR (SWIFT) - 55 EUR, GBP/CHF - 0.15% (55 GBP / 55 CHF min)
Crypto deposit fee
tick Free
Crypto deposit fee
tick Free
Withdrawal process
Withdrawls are processed every day at 2pm UTC. Any withdrawl request prior to this time will have to wait until 2pm UTC before it is processed. In our experience withdrawls are completed within an hour after 2pm.
Withdrawal process
Provided you have completed the KYC and AML checks, withdrawals are very fast and smooth. Withdrawal requests are often processed within seconds of the request being made. User reviews repeatedly mention that they are impressed with the withdrawal process.
Withdrawal time
24 hours
Withdrawal time
0
Crypto withdrawal fee
$10 for bitcoin and $20 for other cryptos
Crypto withdrawal fee
Free except BAT (10 BAT), REP (0.2 REP), LINK (0.43 LINK), XRP (0.5 XRP), PAXG (0.002 PAXG), UNI (1 UNI), COMP (0.04 COMP ), MKR (0.01 MKR), ETH (0.003 ETH)
Savings crypto account withdrawal limit
Savings crypto account withdrawal limit
Min withdrawl 10-50 USD in crypto equivalent
Savings fiat account withdrawal limit
Savings fiat account withdrawal limit
Min withdrawl by bank card - 2 USD / 2 EUR, by bank wire - 500 for USD; 50 for EUR; 500 for CHF and GBP
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Investment Strategy

Liquidity pools
Liquidity pools
cross No
DeFi products
tick Yes
DeFi products
cross No
Unsecured loans
Unsecured loans
cross No
Independent proof of reserves
cross No
Independent proof of reserves
cross No
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Registrations & Regulation

Know your customer
tick Yes
Know your customer
tick Yes
Regulators
Accru is registered as a Cryptoasset service provider with the Bulgarian National Revenue Agency. Accru has a pending application with the UK Financial Conduct Authority for approval as a crypto asset business
Regulators
Bulgarian National Revenue Agency
tick Yes
Bulgarian National Revenue Agency
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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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.

Why Compare With Definda?

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We always rank and compare products objectively and impartially.

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