YouHodler Crypto Platform
DeFinda Score™
| Staking Yields | |
| Loan Rates | |
| Established | |
| Reviews | |
| Risk Management | |
| Withdrawals | |
| Coverage | |
| Support |
YouHodler is a cryptocurrency platform that offers savings accounts, loans, and some exchange and wallet services. Customers can use the YouHodler platform and mobile apps for crypto storage, wallet services, and trading purposes. YouHodler stands out by offering a number of unique investment products and by supporting a wide selection of different cryptos, stablecoins, and fiat currencies. YouHodler savings accounts offer savings rates as high as 30% APR on deposits. There are no hidden fees and instant access to your funds. YouHodler also offers one of the highest loan to value (LTV) rates on the market, with a maximum LTV of 90%.
The platform was launched in 2018 by Ilya Volkov. YouHodler is a Switzerland-based crypto storage, trading, and loan services company. The company has two main offices in Cyprus and Switzerland. The company’s services are not available for US citizens and for some restricted countries such as China, North Korea, Iraq.
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Pros
Very high LTV up to 90% available on loans
Innovative Multi-HODL product allows market speculation with savings funds
Turbocharge allows highly leveraged speculation on crypto assets with multiple loans on one deposit of collateral
You can use NFTs as collateral
Cons
Not available in USA
High loan interest rates
Investments in liquidity pools can be higher risk
Liquidity pool investments are only suitable for advanced crypto users
YouHodler Savings Accounts
| Yield | Tokens | Term | Yield | Yield Trend | |||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
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30%
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Instant Access
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30%
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25%
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Instant Access
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25%
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20%
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Instant Access
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20%
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9.5%
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Instant Access
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9.5%
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9%
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Instant Access
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9%
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8%
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Instant Access
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8%
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8%
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Instant Access
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8%
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8%
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Instant Access
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8%
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8%
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Instant Access
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8%
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8%
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Instant Access
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8%
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8%
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Instant Access
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8%
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|||||||||||||||||||
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8%
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Instant Access
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8%
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|||||||||||||||||||
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8%
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Instant Access
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8%
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|||||||||||||||||||
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8%
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Instant Access
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8%
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|||||||||||||||||||
|
7%
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Instant Access
|
7%
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|||||||||||||||||||
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7%
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Instant Access
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7%
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|||||||||||||||||||
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7%
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Instant Access
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7%
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|||||||||||||||||||
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7%
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Instant Access
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7%
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|||||||||||||||||||
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7%
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Instant Access
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7%
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6%
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Instant Access
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6%
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APE
AXS
GMT
AVAX
DOT
BUSD
DAI
HUSD
USDP
SOL
EURS
USDT
TUSD
USDC
NEAR
CAKE
SUSHI
TRX
UNI
AAVEYouHodler Loans
DeFinda Score™
Staking Yields
YouHodler has some of the best instant access saving rates for Litecoin (5.5%), Basic Attention Token (3%), 0x Protocol (4.5%) and 9 more cryptocurrencies, however YouHodler also has some of the worst instant access saving rates for XRP (4%), Dogecoin (3%), Bancor (3%) and several other cryptocurrencies
Loan Rates
YouHodler has market average instant access loan rates for Dash (20%), Augur (20%), Basic Attention Token (20%) and 4 more cryptocurrencies, however YouHodler also has less competitive loan rates secured against Bitcoin (20% vs 4.5% at Coinloan), Litecoin (20% vs 4.5% at Coinloan), XRP (20% vs 4.5% at Coinloan) and several other cryptocurrencies.
Note that loans are complex products with rates varying by collateral and LTV. For a full comparison visit our loans page.
Established
YouHodler was founded in 2017 which makes it 6 years old. That's still quite young as the oldest crypto platforms are 16 years old.
YouHodler has approximately 30 employees. That makes it one of the smaller crypto platforms by number of employees.
Reviews
YouHodler has an average expert rating of 88% based on 15 expert reviews, and an average user rating of 89% based on 153 user reviews. Expert reviews include Money Check (90%), Jean Galea (86%), 99 Bitcoins (83%) and Cryptomaniaks (80%).
Risk Management
YouHodler offers two factor authentication on accounts to increase security against unauthorised access.
Fiat deposits are stored with reputable banks and crypto deposits are stored with Ledger Vault and covered by $150m insurance.
YouHodler is unique in its approach to yield generation. Unlike most other platforms, YouHodler does not lend funds outside of the platform. YouHodler does not invest funds into liquidity pools, DeFi protocols or other high-risk strategies. All yield is generated within the YouHodler platform through interest on loans taken out on the platform and fees charged by the platform.
We were unable to find any independent proof of reserves for YouHodler. Such proof would normally be undertaken by an independent accountant and would verify that the platform holds assets of greater value than customer liabilities (deposits). We hope YouHodler will look to introduce this in the future as it provides significant reassurance that the platform holds sufficient funds to repay all customer deposits if required.
YouHodler does provide a page of interesting stats about the platform. These stats include a chart which compares YouHodler's revenue against interest payments. The chart shows that revenue exceeds interest payments, although in some quarters the revenue has only marginally been higher than interest payments. Nonetheless, the chart provides some reassurance over the liquidity of the YouHodler platform.
YouHodler engages external security consultants to audit the security of the YouHodler platform.
Withdrawals
In order to be eligible to make withdrawals you need to have completed the platform Know Your Customer (KYC) and Anti-Money Laundering (AML) checks.
The minimum withdrawal amount for cryptocurrencies is 5 USD and for stablecoins is 50 USD. Most crypto withdrawals do not attract fees, but this does vary by currency.
In our experience withdrawals are very fast, and appear to be automatically processed as soon as the request is made.
Many customer reviews mention how smooth the withdrawal process is.
There is no record of YouHodler ever having frozen withdrawals.
Coverage
YouHodler supports 60 different cryptocurrencies and 4 fiat currencies. Key supported cryptocurrencies include Bitcoin, Ethereum, Tether, BNB, USD Coin and XRP. YouHodler support for fiat currencies includes Pounds Sterling, US Dollars, Euros and Swiss Franc. The biggest crypto platforms offer support for over 33 different cryptocurrencies.
Support for a larger number of cryptocurrencies is helpful if you are looking for trading opportunities, but may be less important if your priority is long term investment in one of the major cryptos.
Support
YouHodler offers 24 hour support by email and online chat, however they do not offer support by phone.
YouHodler Reviews
Based on a total of 164 reviews across the web for YouHodler we gave the platform an overall rating of 87%.
| Overall User Rating |
|
149 reviews 149 |
| iphone App |
|
138 reviews 138 |
| Android App |
|
5 reviews 5 |
| Trustpilot |
|
4 reviews 4 |
| Crypto Compare |
|
2 reviews 2 |
| Show 2 more user reviews ... | ||
| Overall Expert Rating |
|
15 reviews 15 |
| Coupon Saturn |
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| Coinlive |
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| Clapway |
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| Different Who |
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| Vivid Globe |
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| Show 35 more expert reviews ... | ||
YouHodler YouTube Reviews
YouHodler Fees
| Exchange fees | 0% exchange fees |
| Fiat deposit fee | Free, except USD SWIFT (25 USD fee per deposit) and EUR SWIFT (25 EUR fee per deposit) |
| 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 |
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) |
| Savings crypto account withdrawal limit | Min withdrawl 10-50 USD in crypto equivalent |
| 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 |
| Number of free crypto withdrawals per month | Depends on coin |
YouHodler Scams, Frauds, Hacks and Blunders
YouHodler Supported Currencies
YouHodler supports over 40 currencies including Pounds Sterling, US Dollars, Euros and Swiss Franc.
| GBP Pounds Sterling | Pounds Sterling |
| USD US Dollars | US Dollars |
| EUR Euros | Euros |
| CHF Swiss Franc | Swiss Franc |
| USDT Tether USDt | Tether USDt |
Countries That Can Use YouHodler
YouHodler's services are available in all countries EXCEPT:
YouHodler Languages
YouHodler's supports the following languages: English, French, Korean, Japanese, Turkish, Polish, Spanish, Simplified Chinese, Russian, German and Italian.
YouHodler Key Data
| Legal name | Youhodler SA |
| Year founded | 2017 |
| Country incorporated in | Switzerland |
| Headquarters country | Switzerland |
| Decentralised |
No
|
| Number of employees | 11-50 |
| Savings accounts |
Yes
|
| Loans |
Yes
|
| Crypto to crypto exchange |
Yes
|
| Fiat to crypto exchange |
Yes
|
| Pro exchange marketplace |
No
|
| Peer to peer exchange |
No
|
| Margin trading |
Yes
|
| Corporate accounts |
No
|
| Instantly buy crypto with fiat |
Yes
|
| Integrated crypto wallet |
Yes
|
| Crypto withdrawals to private wallet |
Yes
|
| Fast account verification |
Yes
|
| Futures exchange |
No
|
| Insurance level | $150,000,000USD more ...$0USD |
| Cold storage |
Yes
|
| Cold storage custodian | Ledger Vault |
| Crypto security standard | Yes - Level of compliance not clear |
| Two factor authentication |
Yes
|
| Loan over collateralisation percent | 100%+ |
| Know your customer |
Yes
|
| Credit check |
No
|
| 24/7 support |
Yes
|
| Email support |
Yes
|
| Phone support |
No
|
| Chat support |
Yes
|
| Exchange fees | 0% exchange fees |
| Fiat deposit fee | Free, except USD SWIFT (25 USD fee per deposit) and EUR SWIFT (25 EUR fee per deposit) |
| Fiat withdrawal fee | USD (SWIFT) - 5% (min 70 USD), EUR (SEPA) - 5 EUR, EUR (SWIFT) - 55 EUR, GBP/CHF - 0.15% (55 GBP / 55 more ... CHF min) |
| Crypto deposit fee | Free |
| Withdrawal process | Provided you have completed the KYC and AML checks, withdrawals are very fast and smooth. Withdrawal more ... 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 | Free except BAT (10 BAT), REP (0.2 REP), LINK (0.43 LINK), XRP (0.5 XRP), PAXG (0.002 PAXG), UNI (1 UNI), more ... COMP (0.04 COMP ), MKR (0.01 MKR), ETH (0.003 ETH) |
| Savings crypto account withdrawal limit | Min withdrawl 10-50 USD in crypto equivalent |
| Savings fiat account withdrawal limit | more ...Min withdrawl by bank card - 2 USD / 2 EUR, by bank wire - 500 for USD; 50 for EUR; 500 for CHF and GBP |
| Liquidity pools |
No
|
| DeFi products |
No
|
| Unsecured loans |
No
|
| Independent proof of reserves |
No
|
Useful Links
YouHodler Contact Details
| https://www.youhodler.com/ | |
| support@youhodler.com | |
| Naumard Ltd - Arch Makariou III, 172, Melford Tower, 3027 Limassol, Cyprus | |
| Youhodler SA - Rue du Valentin 1, 1004, Lausanne, Switzerland |
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