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Home Platforms Kraken vs YouHodler

Compare Kraken vs YouHodler

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Pros & Cons
tick One of the biggest crypto exchanges in the world
tick Large selection of supported cryptocurrencies
tick Very competitive maker and taker fees
tick Available in almost all countries
tick More reviews than YouHodler (12,625 vs 170 reviews)
tick Higher rating for android phone app than YouHodler (4.3 vs 4.1 stars)
tick Been in business longer than YouHodler (Founded 2011 vs 2017)
tick Pro exchange marketplace available on Kraken but not on YouHodler
tick Offers corporate accounts but YouHodler doesn't
tick Futures exchange available on Kraken but not on YouHodler
tick Has phone support but YouHodler doesn't
tick Has independent proof of reserves but YouHodler doesn't
tick Interface supports Vietnamese, Portuguese-Portuguese and Filipino whereas 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 Kraken, but based on fewer reviews (89% vs 89%)
tick Higher rating on Trustpilot than Kraken (4.3 vs 3.1 stars)
tick Offers loans but Kraken doesn't
tick Account verification in less than 1 hour available on YouHodler but not on Kraken
tick Interface supports Korean, Polish and German whereas Kraken doesn't
Staking Rates
tick Kraken has a higher base earnings rate for 4 crypto currencies:
Tezos (XTZ) (4.7% vs 4%)
Polkadot (DOT) (12% vs 9%)
Ethereum (ETH) (5.5% vs 4%)
Cosmos (ATOM) (7.5% vs 3%)
More ...
tick Kraken will pay interest on 5 crypto currency deposits not offered by YouHodler:
Algorand (ALGO)
Mina (MINA)
Kusama (KSM)
Kava (KAVA)
Flow (FLOW)
More ...
1 more stakings rates pro ...
Staking Rates
tick YouHodler will pay interest on 8 stable coin deposits not offered by Kraken:
Binance USD (BUSD)
Tether (USDT)
Dai (DAI)
HUSD (HUSD)
Pax Dollar (USDP)
STASIS EURO (EURS)
USD Coin (USDC)
TrueUSD (TUSD)
More ...
tick YouHodler has a higher base earnings rate for 3 crypto currencies:
Bitcoin (BTC) (3% vs 0.25%)
Solana (SOL) (8% vs 6.5%)
Cardano (ADA) (6% vs 5%)
More ...
2 more stakings rates pros ...
cross A bit complex for beginners
cross Not available in USA
cross High loan interest rates
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Reviews
89% based on 12,625 reviews
89% based on 170 reviews
User Reviews
Overall User Rating
90%
12,386 reviews
86%
21 reviews
90%
11,800 reviews
62%
3 reviews
80%
14 reviews
82%
457 reviews
90%
56 reviews
29%
33 reviews
89%
2 reviews
Show All User Reviews
User Reviews
Overall User Rating
89%
155 reviews
82%
5 reviews
90%
144 reviews
86%
4 reviews
64%
2 reviews
Show All User Reviews
Expert Reviews
Overall Expert Rating
60%
239 reviews
82%
92%
78%
90%
70%
90%
80%
96%
100%
80%
87%
88%
90%
85%
80%
98%
80%
91%
100%
93%
80%
80%
80%
40%
92%
82%
80%
88%
78%
93%
60%
75%
76%
85%
77%
100%
98%
100%
100%
85%
80%
48%
76%
72%
78%
100%
87%
49%
78%
82%
60%
90%
48%
90%
88%
90%
100%
70%
100%
91%
20%
96%
100%
Show All Expert Reviews
Expert Reviews
Overall Expert Rating
88%
15 reviews
70%
86%
83%
80%
80%
100%
100%
100%
100%
80%
80%
88%
80%
90%
100%
Show All Expert Reviews
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Staking Rates
The table below compares the staking rates for Kraken and YouHodler. Enter the amount you intend to deposit to get a more detailed comparison.
DeFi
Stable Coins
Crypto Currencies
ADA Cardano
5% APR
5% APR
ALGO Algorand
4.7% APR
4.7% APR
ATOM Cosmos
7.5% APR
7.5% APR
BTC Bitcoin
0.25% APR
0.25% APR
DOT Polkadot
12% APR
12% APR
ETH Ethereum
5.5% APR
5.5% APR
FLOW Flow
7.5% APR
7.5% APR
KAVA Kava
23% APR
23% APR
KSM Kusama
18% APR
18% APR
MINA Mina
16% APR
16% APR
SOL Solana
6.5% APR
6.5% APR
XTZ Tezos
4.7% APR
4.7% APR
Loading rates ...
Stable Coins
8% APR
8% APR
DAI Dai
8% APR
8% APR
8% APR
8% APR
HUSD HUSD
8% APR
8% APR
TUSD TrueUSD
8% APR
8% APR
USDC USD Coin
8% APR
8% APR
USDP Pax Dollar
8% APR
8% APR
USDT Tether
8% APR
8% 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
9.5% APR
9.5% 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
3% APR
3% APR
1.5% APR
1.5% 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 MultiversX
5.5% APR
5.5% APR
EOS EOS
5% APR
5% APR
ETH Ethereum
4% APR
4% 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
3.7% APR
3.7% 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
3% APR
3% APR
REP Augur
2.5% APR
2.5% APR
3% APR
3% APR
SNX Synthetix
6% APR
6% APR
SOL Solana
8% APR
8% 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% APR
4% APR
XTZ Tezos
4% APR
4% APR
4.5% APR
4.5% APR
ZIL Zilliqa
5.5% APR
5.5% APR
4.5% APR
4.5% APR
Loading rates ...
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Company
Legal name
Payward Inc
Legal name
Youhodler SA
Year founded
2011
Year founded
2017
Country incorporated in
2
Country incorporated in
222
Headquarters country
2
Headquarters country
222
Decentralised
cross No
Decentralised
cross No
Number of employees
250
Number of employees
11-50
Number of users
4,000,000
Number of users
Total assets under management
$10,000,000,000USD
Total assets under management
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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
tick Yes
Pro exchange marketplace
cross No
Peer to peer exchange
cross No
Peer to peer exchange
cross No
Margin trading
tick Yes
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
cross No
Fast account verification
tick Yes
Futures exchange
tick Yes
Futures exchange
cross No
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Security
Insurance level
Insurance level
$150,000,000USD
Cold storage
tick Yes
Cold storage
tick Yes
Cold storage custodian
Self custody
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
Loan over collateralisation percent
100%+
Credit check
cross No
Credit check
cross No
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Support
24/7 support
tick Yes
24/7 support
tick Yes
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
Maker fee
0%
Maker fee
Taker fee
0%
Taker fee
Exchange fees
Maker and taker fees vary by 30 day trade volume and go as low as 0% maker fee and 0.1% taker fee for traders exchanging more than $10,000,000 per month
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
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.
Crypto withdrawal fee
tick Free
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)
Crypto wallet withdrawal limit
Starter accounts: $5,000 per day. Intermediate accounts: $500,000 per day. Pro accounts: $10,000,000 per day
Crypto wallet withdrawal limit
Savings crypto account withdrawal limit
Savings crypto account withdrawal limit
Min withdrawl 10-50 USD in crypto equivalent
Fiat wallet withdrawal limit
Express accounts: $9,000 per day. Intermediate accounts: $100,000 per day. Pro accounts: $10,000,000 per day.
Fiat wallet withdrawal limit
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
DeFi products
cross No
Unsecured loans
Unsecured loans
cross No
Independent proof of reserves
tick Yes
Independent proof of reserves
cross No
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Registrations & Regulation
Know your customer
tick Yes
Know your customer
tick Yes
Regulators
Regulated by FinCEN in the USA, FINTRAC in Canada, FCA in the UK, the Australian Transaction Reports and Analysis Centre in Australia and the FSA in Japan
Regulators
Financial Crimes Enforcement Network
tick Yes
Financial Crimes Enforcement Network
Financial Conduct Authority
tick Yes
Financial Conduct Authority
Financial Transactions and Reports Analysis Centre of Canada - Money Service Business Registration
tick Yes
Financial Transactions and Reports Analysis Centre of Canada - Money Service Business Registration
Australian Securities and Investment Commission - Registration as Foreign Company
tick Yes
Australian Securities and Investment Commission - Registration as Foreign Company
Financial Services Agency - Crypto Asset Exchange Operator
tick Yes
Financial Services Agency - Crypto Asset Exchange Operator
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?

tick Completely Impartial

We always rank and compare products objectively and impartially.

tick Careful Research

We carefully research products for legitimacy before adding them to the platform.

tick We Never Sell Your Data

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