Sign In
Sign Up
DeFinda Logo
Find & Compare DeFi Products
usd logo USD
Home Platforms Nexo vs YouHodler

Compare Nexo vs YouHodler

vs
Add / remove platforms

Pros & Cons

tick Very simple & easy to use
tick No hidden fees
tick Interest paid daily
tick Earn higher savings rates by being paid interest in Nexo tokens
tick Earn further daily interest on accumulated Nexo tokens
tick Further interest rate enhancements for fixed terms of 1 to 12 months
tick Instant access accounts available for all currencies
tick No minimum monthly repayment amount on loans
tick Funds immediately start earning interest as soon as they are deposited
tick Proof of reserves verified by independent accountant
tick Advanced products available for high value investors
tick Higher average review rating than YouHodler (87% vs 81%)
tick More reviews than YouHodler (33,410 vs 4,972 reviews)
tick Higher rating for android phone app than YouHodler (4.3 vs 4 stars)
tick Higher rating on Trustpilot than YouHodler (4.5 vs 4.2 stars)
tick Offers corporate accounts but YouHodler doesn't
tick Has a lower level of insurance than YouHodler
tick Has 24/7 support but YouHodler doesn't
tick Interface supports Portuguese-Portuguese 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 Been in business longer than Nexo (Founded 2017 vs 2018)
tick Has chat support but Nexo doesn't
tick Interface supports Polish and Italian whereas Nexo doesn't
Savings Rates
tick Nexo will pay interest on 3 fiat currency deposits not offered by YouHodler:
Pounds Sterling (GBP)
US Dollars (USD)
Euros (EUR)
More ...
tick Nexo will pay interest on TerraUSD (UST) stable coin deposits whereas YouHodler does not
3 more savings rates pros ...
Savings Rates
tick YouHodler has a higher base saving rate for 6 stable coins:
Tether (USDT) (12.3% vs 8%)
USD Coin (USDC) (12% vs 8%)
Dai (DAI) (12% vs 8%)
TrueUSD (TUSD) (12% vs 8%)
Pax Dollar (USDP) (12% vs 8%)
HUSD (HUSD) (12% vs 8%)
More ...
tick YouHodler will pay interest on STASIS EURO (EURS) stable coin deposits whereas Nexo does not
3 more savings rates pros ...
Loan Rates
tick Nexo has a lower loan rate for 2 fiat currencies:
US Dollars (USD) (6.9 - 13.9% vs 16.2%)
Euros (EUR) (6.9 - 13.9% vs 16.2%)
tick Nexo offers loans in 29 fiat currency deposits not offered by YouHodler:
Pounds Sterling (GBP)
Danish Krone (DKK)
Canadian Dollars (CAD)
Romanian Leu (RON)
Polish Złoty (PLN)
Australian Dollars (AUD)
Turkish Lira (TRY)
Swedish Krona (SEK)
Hungarian Forint (HUF)
Norwegian Krone (NOK)
Swiss Franc (CHF)
Croatian Kuna (HRK)
Israeli New Shekel (ILS)
Bulgarian Lev (BGN)
Czech Koruna (CZK)
Japanese Yen (JPY)
United Arab Emirates Dirham (AED)
South African Rand (ZAR)
Thai Baht (THB)
New Zealand Dollars (NZD)
Mexican Peso (MXN)
Saudi Riyal (SAR)
Kuwaiti dinar (KWD)
Qatari Riyal (QAR)
Bahraini Dinar (BHD)
Chinese Yuan Renminbi (CNY)
Kenyan Shilling (KES)
Omani Rial (OMR)
Ugandan Shilling (UGX)
More ...
2 more loan rates pros ...
Loan Rates
tick YouHodler has a higher maximum loan to value (LTV) ratio for 2 fiat currencies:
US Dollars (USD) (90% vs 90%)
Euros (EUR) (90% vs 90%)
cross Lack of transparency about where company is located
cross Slow customer service with no phone option
cross You no longer control access to any crypto with your own private wallet key
cross Not available in USA
cross High loan interest rates
Go To Platform
Go To Platform

Reviews

87% based on 33,410 reviews
81% based on 4,972 reviews
Go To Platform
Go To Platform

Savings Rates

The table below compares the savings rates for Nexo and YouHodler. Enter the amount you intend to deposit to get a more detailed comparison.
Fiat Currencies
EUR Euros
8% APR
8% APR
GBP Pounds Sterling
8% APY
8% APY
USD US Dollars
8% APR
8% APR
Stable Coins
DAI Dai
8% - 12% APR
8% - 12% APR
HUSD HUSD
8% - 12% APR
8% - 12% APR
TUSD TrueUSD
8% APY - 12% APR
8% APY - 12% APR
USDC USD Coin
8% - 12% APR
8% - 12% APR
USDP Pax Dollar
8% - 12% APR
8% - 12% APR
USDT Tether
8% APY - 12% APR
8% APY - 12% APR
UST TerraUSD
14% - 20% APR
14% - 20% APR
Crypto Currencies
ADA Cardano
5% - 8% APR
5% - 8% APR
ATOM Cosmos
7% - 11% APR
7% - 11% APR
AVAX Avalanche
8% - 12% APR
8% - 12% APR
24% - 34% APR
24% - 34% APR
5% APY - 8% APR
5% APY - 8% APR
BNB BNB
5% - 8% APR
5% - 8% APR
BTC Bitcoin
2% APY - 8% APR
2% APY - 8% APR
DOGE Dogecoin
0.25% - 3% APR
0.25% - 3% APR
DOT Polkadot
11% APY - 15% APR
11% APY - 15% APR
EOS EOS
5% APY - 8% APR
5% APY - 8% APR
ETH Ethereum
5% - 8% APR
5% - 8% APR
FTM Fantom
12% - 18% APR
12% - 18% APR
KSM Kusama
5% APY - 8% APR
5% APY - 8% APR
LINK Chainlink
2% - 8% APR
2% - 8% APR
LTC Litecoin
5% - 8% APR
5% - 8% APR
LUNA Terra
5% APY - 8% APR
5% APY - 8% APR
MATIC Polygon
12% APY - 16% APR
12% APY - 16% APR
NEXO Nexo
12% APR
12% APR
PAXG PAX Gold
5% APY - 8% APR
5% APY - 8% APR
SOL Solana
5% - 8% APR
5% - 8% APR
TRX TRON
5% - 8% APR
5% - 8% APR
XLM Stellar
5% - 8% APR
5% - 8% APR
XRP XRP
2% - 8% APR
2% - 8% APR
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 ...
Go To Platform
Go To Platform

Loans Rates

The table below compares the loan rates for Nexo and YouHodler. Enter the amount you intend to borrow to get a more detailed comparison.
Fiat Currencies
AED United Arab Emirates Dirham
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
AUD Australian Dollars
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
BGN Bulgarian Lev
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
BHD Bahraini Dinar
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
CAD Canadian Dollars
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
CHF Swiss Franc
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
CNY Chinese Yuan Renminbi
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
CZK Czech Koruna
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
DKK Danish Krone
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
EUR Euros
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
GBP Pounds Sterling
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
HRK Croatian Kuna
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
HUF Hungarian Forint
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
ILS Israeli New Shekel
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
JPY Japanese Yen
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
KES Kenyan Shilling
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
KWD Kuwaiti dinar
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
MXN Mexican Peso
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
NOK Norwegian Krone
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
NZD New Zealand Dollars
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
OMR Omani Rial
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
PLN Polish Złoty
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
QAR Qatari Riyal
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
RON Romanian Leu
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
SAR Saudi Riyal
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
SEK Swedish Krona
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
THB Thai Baht
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
TRY Turkish Lira
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
UGX Ugandan Shilling
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
USD US Dollars
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
ZAR South African Rand
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
Stable Coins
USDC USD Coin
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% APR
USDT Tether
6.9% - 13.9% APR
90% LTV 6.9% - 13.9% 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
Loading rates ...
Go To Platform
Go To Platform

Company

Legal name
Nexo Services OÜ
Legal name
Youhodler SA
Year founded
2018
Year founded
2017
Country incorporated in
77
Country incorporated in
222
Headquarters country
42
Headquarters country
222
Platform token
Nexo
Platform token
Centralised
tick Yes
Centralised
tick Yes
Number of employees
101-250
Number of employees
11-50
Number of users
100,000,000
Number of users
Total assets under management
$5,000,000,000USD
Total assets under management
Go To Platform
Go To Platform

Products

Futures exchange
tick Yes
Futures exchange
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
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
tick Yes
Fast account verification
tick Yes
Go To Platform
Go To Platform

Security

Insurance level
$375,000,000USD
Insurance level
$150,000,000USD
Cold storage
tick Yes
Cold storage
tick Yes
Cold storage custodian
BitGo, LedgerVault
Cold storage custodian
Ledger Vault
Crypto security standard
Level 3
Crypto security standard
Yes - Level of compliance not clear
Two factor authentication
tick Yes
Two factor authentication
tick Yes
Loan over collateralisation percent
200%+%
Loan over collateralisation percent
Credit check
cross No
Credit check
cross No
Go To Platform
Go To Platform

Support

24/7 support
tick Yes
24/7 support
cross No
Email support
tick Yes
Email support
tick Yes
Phone support
cross No
Phone support
cross No
Chat support
cross No
Chat support
tick Yes
Go To Platform
Go To Platform

Fees

Exchange fees
0% exchange fee
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
Withdrawl fees vary by loyalty level:
Base level - 1 free crypto withdrawl per month
Silver - 3 free crypto withdrawls per month
Gold - 5 free crypto withdrawls per month
Platinum - 15 free crypto withdrawls per month
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
$500,000 per day
Savings crypto account withdrawl limit
Min withdrawl 10-50 USD in crypto equivalent
Loan crypto account withdrawl limit
$2,000,000 per day
Loan crypto account withdrawl limit
Savings fiat account withdrawl limit
$100,000 per day
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
$2,000,000 per day
Loan fiat account withdrawl limit
Go To Platform
Go To Platform

Registrations & Regulation

Know your customer
tick Yes
Know your customer
tick Yes
Regulators
Regulated in Estonia, Switzerland and the Cayman Islands
Regulators
Financial Crimes Enforcement Network
tick Yes
Financial Crimes Enforcement Network
ISO 27001 Information Security Management
tick Yes
ISO 27001 Information Security Management
System and Organization Controls (SOC2) Type 1
tick Yes
System and Organization Controls (SOC2) Type 1
System and Organization Controls (SOC2) Type 2
tick Yes
System and Organization Controls (SOC2) Type 2
CryptoCurrency Security Standard (CCSS) Level 3
tick Yes
CryptoCurrency Security Standard (CCSS) Level 3
Kansas - Office of the State Bank Commissioner - Supervised Loan License
tick Yes
Kansas - Office of the State Bank Commissioner - Supervised Loan License
New Hampshire - Banking Department - Money Transmitter License
tick Yes
New Hampshire - Banking Department - Money Transmitter License
Oregon - Division of Financial Regulation - Money Transmitter License
tick Yes
Oregon - Division of Financial Regulation - Money Transmitter License
Arizona - Department of Insurance and Financial Institutions Consumer Lender License
tick Yes
Arizona - Department of Insurance and Financial Institutions Consumer Lender License
California - Department of Financial Protection and Innovation - Financial Lender License
tick Yes
California - Department of Financial Protection and Innovation - Financial Lender License
District of Columbia - Department of Insurance, Securities and Banking - Money Lender License
tick Yes
District of Columbia - Department of Insurance, Securities and Banking - Money Lender License
Idaho - Department of Finance - Regulated Lender License
tick Yes
Idaho - Department of Finance - Regulated Lender License
Illinois - Department of Financial and Professional Regulation - Consumer Instalment Loan License
tick Yes
Illinois - Department of Financial and Professional Regulation - Consumer Instalment Loan License
Minnesota - Department of Commerce - Regulated Loan Company License
tick Yes
Minnesota - Department of Commerce - Regulated Loan Company License
Mississippi - Department of Banking and Consumer Finance - Money Transmitter License
tick Yes
Mississippi - Department of Banking and Consumer Finance - Money Transmitter License
Missouri - Division of Finance - Sale of Checks & Money Transmitter License
tick Yes
Missouri - Division of Finance - Sale of Checks & Money Transmitter License
Montana - Division of Banking and Financial Institutions - Consumer Loan License
tick Yes
Montana - Division of Banking and Financial Institutions - Consumer Loan License
New Hampshire - Banking Department - Small Loan Lender License
tick Yes
New Hampshire - Banking Department - Small Loan Lender License
Oregon - Division of Financial Regulation - Consumer Finance License
tick Yes
Oregon - Division of Financial Regulation - Consumer Finance License
Utah - Department of Financial Institutions - Registered Lender
tick Yes
Utah - Department of Financial Institutions - Registered Lender
Wyoming - Department of Audit - Supervised Lender License
tick Yes
Wyoming - Department of Audit - Supervised Lender License
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
Swiss Financial Market Supervisory Authority - Affiliate Member of the SRO "So-Fit" Geneva
tick Yes
Swiss Financial Market Supervisory Authority - Affiliate Member of the SRO "So-Fit" Geneva
Australian Securities and Investment Commission - Registration as Foreign Company
tick Yes
Australian Securities and Investment Commission - Registration as Foreign Company
Australian Transaction Reports and Analysis Centre - Registration as Reporting Company
tick Yes
Australian Transaction Reports and Analysis Centre - Registration as Reporting Company
Companies Registration - Trust or Company Service Provider License
tick Yes
Companies Registration - Trust or Company Service Provider License
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
Go To Platform
Go To Platform

Other Platform Comparisons

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

We never sell or disclose your data to anyone.

© DeFinda 2022