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Home Platforms Coinloan vs YouHodler

Compare Coinloan vs YouHodler

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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 Higher average review rating than YouHodler, but based on fewer reviews (90% vs 81%)
tick Higher rating for android phone app than YouHodler (4.3 vs 4 stars)
tick Higher rating on Trustpilot than YouHodler (4.3 vs 4.2 stars)
tick Offers corporate accounts but YouHodler doesn't
tick Has 24/7 support but YouHodler doesn't
tick Has phone support 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 More reviews than Coinloan (4,972 vs 1,026 reviews)
tick Has a lower level of insurance than Coinloan
tick Interface supports French, Korean, Japanese, Turkish, Polish, Spanish, Simplified Chinese and Italian whereas Coinloan doesn't
Savings Rates
tick Coinloan will pay interest on 3 fiat currency deposits not offered by YouHodler:
Pounds Sterling (GBP)
Euros (EUR)
Russian Ruble (RUB)
More ...
tick Coinloan has a higher base saving rate for 6 crypto currencies:
Bitcoin (BTC) (5.2% vs 4.8%)
XRP (XRP) (5.2% vs 4.5%)
Binance USD (BUSD) (10.3% vs 10%)
Cardano (ADA) (7.2% vs 6%)
Stellar (XLM) (5.2% vs 4.5%)
Maker (MKR) (5.2% vs 2.5%)
More ...
2 more savings rates pros ...
Savings Rates
tick YouHodler has a higher base saving rate for 5 stable coins:
Tether (USDT) (12.3% vs 10.3%)
USD Coin (USDC) (12% vs 10.3%)
Dai (DAI) (12% vs 10.3%)
TrueUSD (TUSD) (12% vs 10.3%)
Pax Dollar (USDP) (12% vs 10.3%)
More ...
tick YouHodler will pay interest on 2 stable coin deposits not offered by Coinloan:
3 more savings rates pros ...
Loan Rates
tick Coinloan has a lower loan rate for Euros (EUR) (0.1 - 12% vs 16.2%)
tick Coinloan offers loans in 2 fiat currency deposits not offered by YouHodler:
Pounds Sterling (GBP)
Russian Ruble (RUB)
3 more loan rates pros ...
Loan Rates
tick YouHodler offers loans in US Dollars (USD) fiat currency deposits whereas Coinloan does not
tick YouHodler has a higher maximum loan to value (LTV) ratio for Euros (EUR) (90% vs 70%)
1 more loan rates pro ...
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 Not available in USA
cross High loan interest rates
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Reviews

90% based on 1,026 reviews
81% based on 4,972 reviews
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Savings Rates

The table below compares the savings rates for Coinloan and YouHodler. 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
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
12% APR
12% APR
12% APR
12% APR
HUSD HUSD
12% APR
12% APR
TUSD TrueUSD
12% APR
12% APR
USDC USD Coin
12% APR
12% APR
USDP Pax Dollar
12% APR
12% APR
USDT Tether
12.3% APR
12.3% 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
4.8% APR
4.8% APR
1.5% APR
1.5% APR
10% APR
10% 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
6.2% APR
6.2% APR
LTC Litecoin
5.5% APR
5.5% APR
LUNA Terra
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
5.6% APR
5.6% APR
REP Augur
2.5% APR
2.5% APR
3% APR
3% APR
SNX Synthetix
6% APR
6% 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
4.5% APR
4.5% 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 Coinloan and YouHodler. Enter the amount you intend to borrow to get a more detailed comparison.
Fiat Currencies
EUR Euros
0.1% - 12% APR
70% LTV 0.1% - 12% APR
GBP Pounds Sterling
0.1% - 12% APR
70% LTV 0.1% - 12% APR
RUB Russian Ruble
0.1% - 15% APR
70% LTV 0.1% - 15% APR
Stable Coins
TUSD TrueUSD
0.1% - 12% APR
70% LTV 0.1% - 12% APR
USDC USD Coin
0.1% - 12% APR
70% LTV 0.1% - 12% APR
USDP Pax Dollar
0.1% - 12% APR
70% LTV 0.1% - 12% APR
USDT Tether
0.1% - 12% APR
70% LTV 0.1% - 12% APR
Crypto Currencies
BTC Bitcoin
0.1% - 7.5% APR
70% LTV 0.1% - 7.5% APR
BUSD Binance USD
0.1% - 12% APR
70% LTV 0.1% - 12% APR
ETH Ethereum
0.1% - 7.5% APR
70% LTV 0.1% - 7.5% APR
LINK Chainlink
0.1% - 7.5% APR
70% LTV 0.1% - 7.5% APR
LTC Litecoin
0.1% - 7.5% APR
70% LTV 0.1% - 7.5% APR
WBTC Wrapped Bitcoin
0.1% - 7.5% APR
70% LTV 0.1% - 7.5% APR
XMR Monero
0.1% - 7.5% APR
70% LTV 0.1% - 7.5% APR
XRP XRP
0.1% - 7.5% APR
70% LTV 0.1% - 7.5% APR
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
CoinLoan OÜ
Legal name
Youhodler SA
Year founded
2017
Year founded
2017
Country incorporated in
77
Country incorporated in
222
Headquarters country
77
Headquarters country
222
Platform token
CoinLoan
Platform token
Centralised
tick Yes
Centralised
tick Yes
Number of employees
11-50
Number of employees
11-50
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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
tick Yes
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
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 withdrawls to private wallet
tick Yes
Crypto withdrawls to private 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
$150,000,000USD
Cold storage
tick Yes
Cold storage
tick Yes
Cold storage custodian
BitGo
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
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
Free, except USD SWIFT (25 USD fee per deposit) and EUR SWIFT (25 EUR fee per deposit)
Fiat withdrawl fee
tick Free
Fiat withdrawl 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
Crypto withdrawl fee
tick Free
Crypto withdrawl 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 withdrawl limit
Unlimited
Savings crypto account withdrawl limit
Min withdrawl 10-50 USD in crypto equivalent
Loan crypto account withdrawl limit
Unlimited
Loan crypto account withdrawl limit
Savings fiat account withdrawl limit
Unlimited
Savings fiat account withdrawl limit
Min withdrawl by bank card - 2 USD / 2 EUR, by bank wire - 500 for USD; 50 for EUR; 500 for CHF and GBP
Loan fiat account withdrawl limit
Unlimited
Loan fiat account withdrawl limit
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Registrations & Regulation

Know your customer
tick Yes
Know your customer
tick Yes
Regulators
Regulated in Estonia
Regulators
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
tick Yes
CryptoCurrency Security Standard (CCSS)
tick Yes
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 on any business before investing any money. 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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