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Home Platforms Hodlnaut vs YouHodler

Compare Hodlnaut vs YouHodler

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Pros & Cons

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 Higher average review rating than YouHodler, but based on fewer reviews (95% vs 81%)
tick Higher rating for android phone app than YouHodler (4.6 vs 4 stars)
tick Higher rating on Trustpilot than YouHodler (4.8 vs 4.2 stars)
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 More reviews than Hodlnaut (4,972 vs 917 reviews)
tick Been in business longer than Hodlnaut (Founded 2017 vs 2019)
tick Fiat exchange available on YouHodler but not on Hodlnaut
tick Instantly buy crypto with fiat on YouHodler but not on Hodlnaut
tick Has a lower level of insurance than Hodlnaut
tick Interface supports French, Korean, Japanese, Turkish, Polish, Spanish, Simplified Chinese, Russian, German and Italian whereas Hodlnaut doesn't
Savings Rates
tick Hodlnaut will pay interest on Wrapped Bitcoin (WBTC) crypto currency deposits whereas YouHodler does not
Loan Rates
tick YouHodler offers loans in 2 fiat currency deposits not offered by Hodlnaut:
US Dollars (USD)
Euros (EUR)
cross No phone app currently available
cross No loans available through the web app
cross Not available in USA
cross High loan interest rates
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Reviews

95% based on 917 reviews
81% based on 4,972 reviews
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Savings Rates

The table below compares the savings rates for Hodlnaut and YouHodler. Enter the amount you intend to deposit to get a more detailed comparison.
Stable Coins
DAI Dai
3% - 8% APR
3% - 8% APR
USDC USD Coin
0.5% - 9% APR
0.5% - 9% APR
USDT Tether
0.5% - 9% APR
0.5% - 9% APR
Crypto Currencies
BTC Bitcoin
1.5% - 5.2% APR
1.5% - 5.2% APR
ETH Ethereum
3% - 5.3% APR
3% - 5.3% APR
1.5% - 5.2% APR
1.5% - 5.2% APR
Loading rates ...
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 Hodlnaut and YouHodler. Enter the amount you intend to borrow to get a more detailed comparison.
Fiat Currencies
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
Loading rates ...
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Company

Legal name
Hodlnaut Pte. Ltd
Legal name
Youhodler SA
Year founded
2019
Year founded
2017
Country incorporated in
206
Country incorporated in
222
Headquarters country
206
Headquarters country
222
Centralised
tick Yes
Centralised
tick Yes
Number of employees
11-50
Number of employees
11-50
Number of users
1,000
Number of users
Total assets under management
$250,000,000USD
Total assets under management
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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
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
Corporate accounts
tick Yes
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
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
$44,000,000USD
Insurance level
$150,000,000USD
Cold storage
tick Yes
Cold storage
tick Yes
Cold storage custodian
BitGo, 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
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
tick Yes
Chat support
tick Yes
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Fees

Exchange fees
0% exchange fees
Exchange fees
0% exchange fees
Fiat deposit fee
Fiat deposits not accepted
Fiat deposit fee
Free, except USD SWIFT (25 USD fee per deposit) and EUR SWIFT (25 EUR fee per deposit)
Fiat withdrawl fee
Fiat withdrawls not accepted
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
1 free crypto withdrawl per month, Bitcoin 0.0004BTC, DAI 10 DAI, Ethereum 0.0036 ETH, USD Coin 10 USDC, Tether 10 USDT
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
100 BTC per 24 hours
Savings crypto account withdrawl limit
Min withdrawl 10-50 USD in crypto equivalent
Savings fiat account withdrawl limit
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
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Registrations & Regulation

Know your customer
tick Yes
Know your customer
tick Yes
Regulators
Hodlnaut is in the process of applying for approval under the Payment Services Act in Singapore
Regulators
Singapore Fintech Association
tick Yes
Singapore Fintech Association
Payment Services Act 2020
tick Yes
Payment Services Act 2020
Major Payment Institution License - Monetary Authority of Singapore (MAS) under the Payment Services
tick Yes
Major Payment Institution License - Monetary Authority of Singapore (MAS) under the Payment Services
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 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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