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Home Platforms Osmosis vs YouHodler

Compare Osmosis vs YouHodler

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Pros & Cons

tick $84,628,496 USD currently invested (TVL)
tick Investments in 145 coin pairs available
tick Operating on Osmosis protocol
tick Osmosis is decentralised, but YouHodler is not
tick Know your customer checks are required on Osmosis but not on YouHodler
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 Osmosis (87% vs 82%)
tick More reviews than Osmosis (164 vs 3 reviews)
tick Been in business longer than Osmosis (Founded 2017 vs 2021)
tick Interface supports English, French, Korean, Japanese, Turkish, Polish, Spanish, Simplified Chinese, Russian, German and Italian whereas Osmosis doesn't
Staking Rates
tick Osmosis will pay interest on -PHMN fiat currency deposits whereas YouHodler does not
tick Osmosis will pay interest on Frax (FRAX-USDT.AXL) stable coin deposits whereas YouHodler does not
2 more stakings rates pros ...
cross Investments in liquidity pools can be higher risk
cross Liquidity pool investments are only suitable for advanced crypto users
cross Not available in USA
cross High loan interest rates
cross Investments in liquidity pools can be higher risk
cross Liquidity pool investments are only suitable for advanced crypto users
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Reviews

82% based on 3 reviews
87% based on 164 reviews
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Staking Rates

The table below compares the staking rates for Osmosis and YouHodler.
Fiat Currencies
-PHMN -PHMN
0.08%
0.08%
Stable Coins
-USDC USDC
0.75%
0.75%
BUSD-USDT.AXL BUSD
0.3%
0.3%
FRAX-USDT.AXL Frax
0.29%
0.29%
Crypto Currencies
AKT-ATOM AKT-ATOM
7.26%
7.26%
AKT-NGM AKT-NGM
0.6%
0.6%
AKT-OSMO AKT-OSMO
6.17%
6.17%
ARB-OSMO ARB-OSMO
14.4%
14.4%
ARCH-OSMO ARCH-OSMO
28.7%
28.7%
ATOM-BCNA ATOM-BCNA
2.96%
2.96%
ATOM-BTSG ATOM-BTSG
1.05%
1.05%
ATOM-CHEQ ATOM-CHEQ
2.53%
2.53%
ATOM-CMDX ATOM-CMDX
1.86%
1.86%
ATOM-CRO ATOM-CRO
1.34%
1.34%
ATOM-DSM ATOM-DSM
0.23%
0.23%
ATOM-DVPN ATOM-DVPN
2.42%
2.42%
ATOM-EEUR ATOM-EEUR
2.18%
2.18%
ATOM-FLIX ATOM-FLIX
5.13%
5.13%
ATOM-HUAHUA ATOM-HUAHUA
2.35%
2.35%
ATOM-IRIS ATOM-IRIS
11.3%
11.3%
ATOM-JUNO ATOM-JUNO
5.66%
5.66%
ATOM-LIKE ATOM-LIKE
0.75%
0.75%
ATOM-LUM ATOM-LUM
0.58%
0.58%
ATOM-MED ATOM-MED
1.15%
1.15%
ATOM-MNTL ATOM-MNTL
0.56%
0.56%
ATOM-OSMO ATOM-OSMO
7.26%
7.26%
ATOM-PHMN Cosmos
16.4%
16.4%
ATOM-STARS ATOM-STARS
2.45%
2.45%
ATOM-STKATOM ATOM-STKATOM
15.3%
15.3%
ATOM-TICK ATOM-TICK
<&nbsp;0.01%
<&nbsp;0.01%
ATOM-UMEE ATOM-UMEE
61.1%
61.1%
ATOM-XPRT ATOM-XPRT
9.86%
9.86%
AXL-OSMO AXL-OSMO
4.37%
4.37%
BAND-OSMO BAND-OSMO
1.63%
1.63%
BCNA-OSMO BCNA-OSMO
1.6%
1.6%
BLD-OSMO BLD-OSMO
18.8%
18.8%
BLZ-USDC BLZ-USDC
1.85%
1.85%
BTSG-OSMO BTSG-OSMO
0.95%
0.95%
CHEQ-OSMO CHEQ-OSMO
5.47%
5.47%
CMDX-OSMO CMDX-OSMO
2.14%
2.14%
CRO-OSMO CRO-OSMO
3.34%
3.34%
CTK-OSMO CTK-OSMO
0.83%
0.83%
CUDOS-OSMO CUDOS-OSMO
3.13%
3.13%
DAI-OSMO DAI-OSMO
6.9%
6.9%
DEC-OSMO DEC-OSMO
2.57%
2.57%
DOT-OSMO DOT-OSMO
4.42%
4.42%
DOT.COMP-OSMO Osmosis
6.85%
6.85%
DSM-OSMO DSM-OSMO
0.16%
0.16%
DVPN-OSMO DVPN-OSMO
3.05%
3.05%
EEUR-OSMO EEUR-OSMO
1.24%
1.24%
EVMOS-OSMO EVMOS-OSMO
24.8%
24.8%
EVMOS-STEVMOS Evmos
104%
104%
FET-OSMO FET-OSMO
18.4%
18.4%
FLIX-OSMO FLIX-OSMO
7.63%
7.63%
GRAV-OSMO GRAV-OSMO
12.5%
12.5%
HUAHUA-OSMO HUAHUA-OSMO
5.99%
5.99%
INJ-OSMO INJ-OSMO
19.9%
19.9%
ION-OSMO ION-OSMO
0.11%
0.11%
IRIS-OSMO IRIS-OSMO
12%
12%
IST-OSMO IST-OSMO
62.5%
62.5%
IST-USDC IST-USDC
0.35%
0.35%
JUNO-OSMO JUNO-OSMO
16.5%
16.5%
JUNO-STJUNO JUNO-STJUNO
6.27%
6.27%
KAVA-OSMO KAVA-OSMO
23.1%
23.1%
KUJI-OSMO KUJI-OSMO
32%
32%
KYVE-OSMO KYVE-OSMO
1.49%
1.49%
LAMB-OSMO LAMB-OSMO
0.53%
0.53%
LIKE-OSMO LIKE-OSMO
88.1%
88.1%
LINK-OSMO LINK-OSMO
6.04%
6.04%
LORE-OSMO LORE-OSMO
11.4%
11.4%
LUM-OSMO LUM-OSMO
0.36%
0.36%
LUNC-OSMO LUNC-OSMO
2.1%
2.1%
LUNC-USTC LUNC-USTC
2.41%
2.41%
LVN-XKI LVN-XKI
0.11%
0.11%
MARS-OSMO MARS-OSMO
60.1%
60.1%
MED-OSMO MED-OSMO
5.53%
5.53%
MNTL-USDC MNTL-USDC
1.48%
1.48%
MPWR-OSMO MPWR-OSMO
325%
325%
NCT-OSMO NCT-OSMO
129%
129%
NGM-AXL NGM-AXL
0.6%
0.6%
NGM-CRO NGM-CRO
0.22%
0.22%
NGM-MARS NGM-MARS
0.84%
0.84%
NGM-OSMO NGM-OSMO
3.42%
3.42%
NGM-SOMM NGM-SOMM
2.13%
2.13%
NGM-WAVAX NGM-WAVAX
0.62%
0.62%
NGM-WBTC NGM-WBTC
0.32%
0.32%
NGM-WETH NGM-WETH
0.67%
0.67%
NOM-OSMO NOM-OSMO
28.1%
28.1%
NTRN-OSMO NTRN-OSMO
48.2%
48.2%
PICA-OSMO PICA-OSMO
80.6%
80.6%
PSTAKE-OSMO PSTAKE-OSMO
0.42%
0.42%
QSTARS-STARS Stargaze
6.4%
6.4%
REBUS-OSMO REBUS-OSMO
8.98%
8.98%
REGEN-ATOM REGEN-ATOM
1.3%
1.3%
REGEN-NCT REGEN-NCT
0.12%
0.12%
REGEN-OSMO REGEN-OSMO
2.95%
2.95%
REGEN-QREGEN Regen Network
5.36%
5.36%
ROWAN-OSMO ROWAN-OSMO
1.52%
1.52%
SCRT-ATOM SCRT-ATOM
7.48%
7.48%
SCRT-OSMO SCRT-OSMO
5.94%
5.94%
SOLAR-OSMO SOLAR-OSMO
0.32%
0.32%
SOMM-OSMO SOMM-OSMO
13.7%
13.7%
SOMM-QSOMM Sommelier
32.8%
32.8%
STARS-OSMO STARS-OSMO
6.9%
6.9%
STRD-OSMO STRD-OSMO
5.59%
5.59%
STSTARS-STARS STSTARS-STARS
18.9%
18.9%
STUMEE-UMEE UX Chain
47.7%
47.7%
SWTH-OSMO SWTH-OSMO
1.59%
1.59%
UMEE-OSMO UMEE-OSMO
123%
123%
USDC-OSMO USDC-OSMO
10.8%
10.8%
USDT-LORE USDT-LORE
0.94%
0.94%
USDT-OSMO USDT-OSMO
299%
299%
USDT-USDC USDT-USDC
92%
92%
USTC-OSMO USTC-OSMO
2.09%
2.09%
VDL-OSMO VDL-OSMO
0.54%
0.54%
WAVAX-OSMO WAVAX-OSMO
22.8%
22.8%
WBNB-OSMO WBNB-OSMO
10.4%
10.4%
WBTC-OSMO WBTC-OSMO
5.95%
5.95%
WETH-OSMO WETH-OSMO
6.15%
6.15%
WFTM-OSMO WFTM-OSMO
5.22%
5.22%
WHALE-OSMO WHALE-OSMO
82.8%
82.8%
WMATIC-OSMO WMATIC-OSMO
12.6%
12.6%
XKI-OSMO XKI-OSMO
1.38%
1.38%
XKI-USDC XKI-USDC
1.18%
1.18%
XPRT-OSMO XPRT-OSMO
6.26%
6.26%
Loading rates ...
Fiat Currencies
Stable Coins
-USDC USDC
8%
8%
BUSD-USDT.AXL BUSD
8%
8%
DAI Dai
8%
8%
8%
8%
HUSD HUSD
8%
8%
TUSD TrueUSD
8%
8%
USDP Pax Dollar
8%
8%
8%
8%
Crypto Currencies
4%
4%
AAVE Aave
6%
6%
ADA Cardano
6%
6%
APE ApeCoin
30%
30%
ATOM-PHMN Cosmos
3%
3%
AVAX Avalanche
9.5%
9.5%
25%
25%
3%
3%
5.5%
5.5%
BNB BNB
3%
3%
BNT Bancor
3%
3%
4.5%
4.5%
BTC Bitcoin
3%
3%
1.5%
1.5%
7%
7%
COMP Compound
2.5%
2.5%
DASH Dash
5.5%
5.5%
DOGE Dogecoin
3%
3%
DOT Polkadot
9%
9%
EGLD MultiversX
5.5%
5.5%
EOS EOS
5%
5%
ETH Ethereum
4%
4%
FIL Filecoin
3.5%
3.5%
FTM Fantom
4%
4%
FTT FTX Token
4%
4%
GALA Gala
3%
3%
GMT GMT
20%
20%
3%
3%
ILV Illuvium
3%
3%
LINK Chainlink
3.7%
3.7%
LTC Litecoin
5.5%
5.5%
4%
4%
3%
3%
MKR Maker
2.5%
2.5%
7%
7%
3%
3%
PAXG PAX Gold
3%
3%
REP Augur
2.5%
2.5%
3%
3%
SNX Synthetix
6%
6%
SOL Solana
8%
8%
SRM Serum
3%
3%
SUSHI SushiSwap
7%
7%
TRX TRON
7%
7%
UNI Uniswap
7%
7%
XLM Stellar
4.5%
4.5%
XRP XRP
4%
4%
XTZ Tezos
4%
4%
4.5%
4.5%
ZIL Zilliqa
5.5%
5.5%
4.5%
4.5%
Loading rates ...
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Company

Automatic market maker
tick Yes
Automatic market maker
Legal name
Legal name
Youhodler SA
Year founded
2021
Year founded
2017
Country incorporated in
Country incorporated in
222
Headquarters country
Headquarters country
222
Platform token
Osmosis
Platform token
Decentralised
tick Yes
Decentralised
cross No
Open source
tick Yes
Open source
Number of employees
Number of employees
11-50
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Products

Savings accounts
Savings accounts
tick Yes
Loans
Loans
tick Yes
Crypto to crypto exchange
Crypto to crypto exchange
tick Yes
Fiat to crypto exchange
Fiat to crypto exchange
tick Yes
Pro exchange marketplace
Pro exchange marketplace
cross No
Peer to peer exchange
Peer to peer exchange
cross No
Margin trading
Margin trading
tick Yes
Corporate accounts
Corporate accounts
cross No
Instantly buy crypto with fiat
Instantly buy crypto with fiat
tick Yes
Integrated crypto wallet
Integrated crypto wallet
tick Yes
Crypto withdrawals to private wallet
Crypto withdrawals to private wallet
tick Yes
Fast account verification
Fast account verification
tick Yes
Futures exchange
Futures exchange
cross No
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Security

Insurance level
Insurance level
$150,000,000USD
Cold storage
Cold storage
tick Yes
Cold storage custodian
Cold storage custodian
Ledger Vault
Crypto security standard
Crypto security standard
Yes - Level of compliance not clear
Two factor authentication
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
24/7 support
tick Yes
Email support
Email support
tick Yes
Phone support
Phone support
cross No
Chat support
Chat support
tick Yes
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Fees

Exchange fees
Exchange fees
0% exchange fees
Fiat deposit fee
Fiat deposit fee
Free, except USD SWIFT (25 USD fee per deposit) and EUR SWIFT (25 EUR fee per deposit)
Fiat withdrawal fee
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
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
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)
Savings crypto account withdrawal limit
Savings crypto account withdrawal limit
Min withdrawl 10-50 USD in crypto equivalent
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
Independent proof of reserves
cross No
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Registrations & Regulation

Know your customer
cross No
Know your customer
tick Yes
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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