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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 (19,694 vs 4,972 reviews)
tick Higher rating for android phone app than YouHodler (4.2 vs 4 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 Has 24/7 support but YouHodler doesn't
tick Has phone support 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 (81% vs 80%)
tick Higher rating on Trustpilot than Kraken (4.2 vs 2.2 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
Savings Rates
tick Kraken has a higher base saving rate for 3 crypto currencies:
Polkadot (DOT) (12% vs 9%)
Cosmos (ATOM) (7.5% vs 3%)
Tezos (XTZ) (4.7% vs 4%)
More ...
tick Kraken will pay interest on 6 crypto currency deposits not offered by YouHodler:
1 more savings rates pro ...
cross A bit complex for beginners
cross Not available in USA
cross High loan interest rates
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Reviews

80% based on 19,694 reviews
81% based on 4,972 reviews
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Savings Rates

The table below compares the savings rates for Kraken and YouHodler. Enter the amount you intend to deposit to get a more detailed comparison.
Stable Coins
Crypto Currencies
ADA Cardano
5% APR
5% APR
ALGO Algorand
4.75% APR
4.75% 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
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 Kraken and YouHodler. Enter the amount you intend to borrow to get a more detailed comparison.
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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
Centralised
tick Yes
Centralised
tick Yes
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

Futures exchange
tick Yes
Futures exchange
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
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
cross No
Fast account verification
tick Yes
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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
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

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 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)
Crypto wallet withdrawl limit
Starter accounts: $5,000 per day. Intermediate accounts: $500,000 per day. Pro accounts: $10,000,000 per day
Crypto wallet withdrawl limit
Savings crypto account withdrawl limit
Savings crypto account withdrawl limit
Min withdrawl 10-50 USD in crypto equivalent
Fiat wallet withdrawl limit
Express accounts: $9,000 per day. Intermediate accounts: $100,000 per day. Pro accounts: $10,000,000 per day.
Fiat wallet withdrawl limit
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
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.

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