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Home Platforms Coinloan vs Hodlnaut

Compare Coinloan vs Hodlnaut

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Pros & Cons

tick High LTV of up to 70% available on loans
tick High savings account interest rates
tick Daily compound interest
tick All savings accounts are instant access
tick Full transparency on company location and regulation status
tick No hidden fees
tick Simple and intuitive web and phone app
tick No credit checks
tick Russian and German language versions
tick More reviews than Hodlnaut (1,044 vs 932 reviews)
tick Been in business longer than Hodlnaut (Founded 2017 vs 2019)
tick Fiat exchange available on Coinloan but not on Hodlnaut
tick Instantly buy crypto with fiat on Coinloan but not on Hodlnaut
tick Has a lower level of insurance than Hodlnaut
tick Has 24/7 support but Hodlnaut doesn't
tick Has phone support but Hodlnaut doesn't
tick Invests in DeFi products but Hodlnaut doesn't
tick Interface supports Russian and German whereas Hodlnaut doesn't
tick Very simple easy to understand interface
tick Interest accrued daily and paid out weekly
tick Enhanced interest rates available for big depositors (over 100 BTC)
tick Excellent reviews
tick Regulated in Singapore
tick Option to insure your deposits
tick Higher average review rating than Coinloan, but based on fewer reviews (95% vs 90%)
tick Higher rating for android phone app than Coinloan (4.6 vs 4.3 stars)
tick Higher rating on Trustpilot than Coinloan (4.8 vs 4.3 stars)
Savings Rates
tick Coinloan will pay interest on 3 fiat currency deposits not offered by Hodlnaut:
Pounds Sterling (GBP)
Euros (EUR)
Russian Ruble (RUB)
More ...
tick Coinloan has a higher base saving rate for 3 stable coins:
Tether (USDT) (10.3% vs 0.5%)
USD Coin (USDC) (10.3% vs 0.5%)
Dai (DAI) (10.3% vs 0.25%)
More ...
4 more savings rates pros ...
Loan Rates
tick Coinloan offers loans in 2 fiat currency deposits not offered by Hodlnaut:
Pounds Sterling (GBP)
Euros (EUR)
tick Coinloan offers loans in 4 stable coin deposits not offered by Hodlnaut:
2 more loan rates pros ...
cross Withdrawls from savings account are not instant. They are processed daily at 14:00 UTC.
cross Funds must be manually moved from wallet to interest account to start earning interest
cross Savings account interest calculated daily but only paid out monthly
cross Low LTV required to get the best loan rates
cross 1% loan setup fee (0.5% if paid in CLT)
cross No loans in USD available
cross High LTV of up to 70% could put savers at risk in the event of a crypto crash
cross Limited number of coins supported
cross Loans not available for regular users.
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Reviews

90% based on 1,044 reviews
95% based on 932 reviews
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Savings Rates

The table below compares the savings rates for Coinloan and Hodlnaut. Enter the amount you intend to deposit to get a more detailed comparison.
Fiat Currencies
EUR Euros
10.3% APY
10.3% APY
GBP Pounds Sterling
10.3% APY
10.3% APY
RUB Russian Ruble
8.3% APY
8.3% APY
Stable Coins
DAI Dai
10.3% - 12.3% APY
10.3% - 12.3% APY
TUSD TrueUSD
10.3% - 12.3% APY
10.3% - 12.3% APY
USDC USD Coin
10.3% - 12.3% APY
10.3% - 12.3% APY
USDP Pax Dollar
10.3% - 12.3% APY
10.3% - 12.3% APY
USDT Tether
10.3% - 12.3% APY
10.3% - 12.3% APY
Crypto Currencies
ADA Cardano
7.2% - 9.2% APY
7.2% - 9.2% APY
5.2% - 7.2% APY
5.2% - 7.2% APY
BNB BNB
7.2% - 9.2% APY
7.2% - 9.2% APY
BTC Bitcoin
5.2% - 7.2% APY
5.2% - 7.2% APY
10.3% - 12.3% APY
10.3% - 12.3% APY
DOT Polkadot
5.2% - 7.2% APY
5.2% - 7.2% APY
ETH Ethereum
5.2% - 7.2% APY
5.2% - 7.2% APY
LINK Chainlink
5.2% - 7.2% APY
5.2% - 7.2% APY
LTC Litecoin
5.2% - 7.2% APY
5.2% - 7.2% APY
MKR Maker
5.2% - 7.2% APY
5.2% - 7.2% APY
PAXG PAX Gold
5.2% - 7.2% APY
5.2% - 7.2% APY
SOL Solana
7.2% - 9.2% APY
7.2% - 9.2% APY
5.2% - 7.2% APY
5.2% - 7.2% APY
XLM Stellar
5.2% - 7.2% APY
5.2% - 7.2% APY
XMR Monero
3% - 5% APY
3% - 5% APY
XRP XRP
5.2% - 7.2% APY
5.2% - 7.2% APY
Loading rates ...
Fiat Currencies
Stable Coins
DAI Dai
0.25% - 5.75% APR
0.25% - 5.75% APR
USDC USD Coin
0.5% - 7% APR
0.5% - 7% APR
USDT Tether
0.5% - 7% APR
0.5% - 7% APR
Crypto Currencies
BTC Bitcoin
1.6% - 4% APR
1.6% - 4% APR
ETH Ethereum
2% - 4.5% APR
2% - 4.5% APR
1.6% - 4% APR
1.6% - 4% APR
Loading rates ...
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Loans Rates

The table below compares the loan rates for Coinloan and Hodlnaut. Enter the amount you intend to borrow to get a more detailed comparison.
Fiat Currencies
EUR Euros
4.5% - 12% APR
70% LTV 4.5% - 12% APR
GBP Pounds Sterling
4.5% - 12% APR
70% LTV 4.5% - 12% APR
Stable Coins
TUSD TrueUSD
4.5% - 12% APR
70% LTV 4.5% - 12% APR
USDC USD Coin
4.5% - 12% APR
70% LTV 4.5% - 12% APR
USDP Pax Dollar
4.5% - 12% APR
70% LTV 4.5% - 12% APR
USDT Tether
4.5% - 12% APR
70% LTV 4.5% - 12% APR
Crypto Currencies
BTC Bitcoin
4.5% - 7.5% APR
70% LTV 4.5% - 7.5% APR
BUSD Binance USD
4.5% - 12% APR
70% LTV 4.5% - 12% APR
ETH Ethereum
4.5% - 7.5% APR
70% LTV 4.5% - 7.5% APR
LINK Chainlink
4.5% - 7.5% APR
70% LTV 4.5% - 7.5% APR
LTC Litecoin
4.5% - 7.5% APR
70% LTV 4.5% - 7.5% APR
WBTC Wrapped Bitcoin
4.5% - 7.5% APR
70% LTV 4.5% - 7.5% APR
XMR Monero
4.5% - 7.5% APR
70% LTV 4.5% - 7.5% APR
XRP XRP
4.5% - 7.5% APR
70% LTV 4.5% - 7.5% APR
Loading rates ...
Fiat Currencies
Stable Coins
Crypto Currencies
Loading rates ...
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Company

Legal name
CoinLoan OÜ
Legal name
Hodlnaut Pte. Ltd
Year founded
2017
Year founded
2019
Country incorporated in
77
Country incorporated in
206
Headquarters country
77
Headquarters country
206
Platform token
CoinLoan
Platform token
Centralised
tick Yes
Centralised
tick Yes
Number of employees
11-50
Number of employees
11-50
Number of users
Number of users
10,000
Total assets under management
Total assets under management
$500,000,000USD
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Products

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
tick Yes
Fiat to crypto exchange
cross No
Pro exchange marketplace
cross No
Pro exchange marketplace
cross No
Peer to peer exchange
cross No
Peer to peer exchange
cross No
Corporate accounts
tick Yes
Corporate accounts
tick Yes
Instantly buy crypto with fiat
tick Yes
Instantly buy crypto with fiat
cross No
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
$100,000,000USD
Insurance level
$44,000,000USD
Cold storage
tick Yes
Cold storage
tick Yes
Cold storage custodian
BitGo
Cold storage custodian
BitGo, Fireblocks
Two factor authentication
tick Yes
Two factor authentication
tick Yes
Credit check
cross No
Credit check
cross No
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Support

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

Exchange fees
0% exchange fees
Exchange fees
0% exchange fees
Fiat deposit fee
tick Free
Fiat deposit fee
Fiat deposits not accepted
Crypto deposit fee
tick Free
Crypto deposit fee
tick Free
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Investment Strategy

Liquidity pools
cross No
Liquidity pools
DeFi products
cross No
DeFi products
tick Yes
Unsecured loans
cross No
Unsecured loans
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
Regulated in Estonia
Regulators
Hodlnaut is in the process of applying for approval under the Payment Services Act in Singapore
Financial Crimes Enforcement Network
tick Yes
Financial Crimes Enforcement Network
IRS - Foreign Account Tax Compliance Act
tick Yes
IRS - Foreign Account Tax Compliance Act
European Union Intellectual Property Office Trademark
tick Yes
European Union Intellectual Property Office Trademark
Majandustegevuse Register - Virtual Currency Provider License
tick Yes
Majandustegevuse Register - Virtual Currency Provider License
Majandustegevuse Register - Financial Institution License
tick Yes
Majandustegevuse Register - Financial Institution License
PCI DSS v3.2.1 Level 1
tick Yes
PCI DSS v3.2.1 Level 1
CryptoCurrency Security Standard (CCSS)
tick Yes
CryptoCurrency Security Standard (CCSS)
Singapore Fintech Association
Singapore Fintech Association
tick Yes
Payment Services Act 2020
Payment Services Act 2020
tick Yes
Major Payment Institution License - Monetary Authority of Singapore (MAS) under the Payment Services
Major Payment Institution License - Monetary Authority of Singapore (MAS) under the Payment Services
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.

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