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Home Platforms YouHodler
YouHodler reviews

Average rating of 87% based on 164 reviews.

Founded 7 years ago in 2017.

Headquartered in Switzerland.

Deposits in 4 fiat currencies accepted including US Dollars (USD).

Reviewed by Yunis
7 April 2021 (Updated 16 June 2024)

YouHodler Crypto Platform

DeFinda Score™

An impartial, objective analysis of YouHodler's features to help you compare platforms. Read our full analysis.
Staking Yields
8
Loan Rates
2
Established
2
Reviews
9
Risk Management
8
Withdrawals
9
Coverage
3
Support
8

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.

YouHodler’s web app and mobile apps are very user friendly and easy to use. Once you are signed up you have access to a wallet within the app to store your crypto currency in. Existing crypto can easily be transferred to your YouHodler wallet, or you can transfer fiat currency and then use this to buy crypto within the app.

Once you have some crypto funds on the YouHodler app they will immediately start to earn interest. Interest is paid out weekly and compounds, so that you start earning interest on your previous interest payments.

You can then use the funds to trade for other currencies, invest them in one of YouHodler's investment products or use them as collateral against a loan. YouHodler offers a number of interesting investment products including:

  • MultiHODL - Allows you to leverage your crypto position to take bets on the market movement.
  • Turbocharge - Similar to MultiHODL, this product allows you to leverage your existing crypto to buy more crypto in order to benefit from any price increase.
  • Dual - Very short term investments with very high yield of well over 100% APY.

It should be noted that MultiHODL and Turbocharge are leveraged investment products. These products are high risk as they amplify your potential gains and loses. They should be used with caution and only with a small portion of your portfolio.

Unfortunately, YouHodler is not available to US citizens, as well as citizens of several other countries as listed further down in this review.

Pros

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

Cons

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

YouHodler Savings Accounts

1
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Columns
  Yield Tokens Term Yield Yield Trend
30%
$100 USD to $100,000 USD
APE 30% APR
Instant Access
30%
$100 USD to $100,000 USD
APE 30% APR
25%
$100 USD to $100,000 USD
AXS 25% APR
Instant Access
25%
$100 USD to $100,000 USD
AXS 25% APR
20%
$100 USD to $100,000 USD
GMT 20% APR
Instant Access
20%
$100 USD to $100,000 USD
GMT 20% APR
9.5%
$100 USD to $100,000 USD
AVAX 9.5% APR
Instant Access
9.5%
$100 USD to $100,000 USD
AVAX 9.5% APR
9%
$100 USD to $100,000 USD
DOT 9% APR
Instant Access
9%
$100 USD to $100,000 USD
DOT 9% APR
8%
$100 USD to $100,000 USD
BUSD 8% APR
Instant Access
8%
$100 USD to $100,000 USD
BUSD 8% APR
8%
$100 USD to $100,000 USD
DAI 8% APR
Instant Access
8%
$100 USD to $100,000 USD
DAI 8% APR
8%
$100 USD to $100,000 USD
HUSD 8% APR
Instant Access
8%
$100 USD to $100,000 USD
HUSD 8% APR
8%
$100 USD to $100,000 USD
USDP 8% APR
Instant Access
8%
$100 USD to $100,000 USD
USDP 8% APR
8%
$100 USD to $100,000 USD
SOL 8% APR
Instant Access
8%
$100 USD to $100,000 USD
SOL 8% APR
8%
$100 USD to $100,000 USD
EURS 8% APR
Instant Access
8%
$100 USD to $100,000 USD
EURS 8% APR
8%
$100 USD to $100,000 USD
USDT 8% APR
Instant Access
8%
$100 USD to $100,000 USD
USDT 8% APR
8%
$100 USD to $100,000 USD
TUSD 8% APR
Instant Access
8%
$100 USD to $100,000 USD
TUSD 8% APR
8%
$100 USD to $100,000 USD
USDC 8% APR
Instant Access
8%
$100 USD to $100,000 USD
USDC 8% APR
7%
$100 USD to $100,000 USD
NEAR 7% APR
Instant Access
7%
$100 USD to $100,000 USD
NEAR 7% APR
7%
$100 USD to $100,000 USD
CAKE 7% APR
Instant Access
7%
$100 USD to $100,000 USD
CAKE 7% APR
7%
$100 USD to $100,000 USD
SUSHI 7% APR
Instant Access
7%
$100 USD to $100,000 USD
SUSHI 7% APR
7%
$100 USD to $100,000 USD
TRX 7% APR
Instant Access
7%
$100 USD to $100,000 USD
TRX 7% APR
7%
$100 USD to $100,000 USD
UNI 7% APR
Instant Access
7%
$100 USD to $100,000 USD
UNI 7% APR
6%
$100 USD to $100,000 USD
AAVE 6% APR
Instant Access
6%
$100 USD to $100,000 USD
AAVE 6% APR
No matching yield products found

YouHodler Loans

2 matching crypto loans found
Loyalty Level Setup Fee LTV Rate
Base
None
None
UP TO
50%
20%
APR
Base
None
None
UP TO
90%
20%
APR

DeFinda Score™

Staking Yields

8

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

Read more ...

Loan Rates

2

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.

Read more ...

Established

2

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.

Read more ...

Reviews

9

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%).

Read more ...

Risk Management

8

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.

Read more ...

Withdrawals

9

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.

Read more ...

Coverage

3

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.

Read more ...

Support

8

YouHodler offers 24 hour support by email and online chat, however they do not offer support by phone.

Read more ...

YouHodler Reviews

Based on a total of 164 reviews across the web for YouHodler we gave the platform an overall rating of 87%.

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YouHodler YouTube Reviews

YouHodler Fees

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 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)
Limits
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

24 Jul 2019
YouHodler exposed thousands of user credit card details and transaction data because it forgot to protect its database with a password

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
BNB BNB BNB
USDC USDC USDC
XRP XRP XRP
Show more currencies

Countries That Can Use YouHodler

YouHodler's services are available in all countries EXCEPT:

Afghanistan
Bangladesh
China
Cuba
Iran
Iraq
North Korea
Pakistan
Palestinian Territory
Sudan
Syrian Arab Republic
United States

YouHodler Languages

YouHodler's supports the following languages: English, French, Korean, Japanese, Turkish, Polish, Spanish, Simplified Chinese, Russian, German and Italian.

YouHodler Key Data

Company
Legal name Youhodler SA
Year founded 2017
Country incorporated in Switzerland
Headquarters country Switzerland
Decentralised cross No
Number of employees 11-50
Products
Savings accounts tick Yes
Loans tick Yes
Crypto to crypto exchange tick Yes
Fiat to crypto exchange tick Yes
Pro exchange marketplace cross No
Peer to peer exchange cross No
Margin trading tick Yes
Corporate accounts cross No
Instantly buy crypto with fiat tick Yes
Integrated crypto wallet tick Yes
Crypto withdrawals to private wallet tick Yes
Fast account verification tick Yes
Futures exchange cross No
Security
Insurance level $150,000,000USD more ...$0USD
Cold storage tick Yes
Cold storage custodian Ledger Vault
Crypto security standard Yes - Level of compliance not clear
Two factor authentication tick Yes
Loan over collateralisation percent 100%+
Know your customer tick Yes
Credit check cross No
Support
24/7 support tick Yes
Email support tick Yes
Phone support cross No
Chat support tick Yes
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 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
Investment Strategy
Liquidity pools cross No
DeFi products cross No
Unsecured loans cross No
Independent proof of reserves cross No
Key People
Ilya Volkov
CEO
Renat Gafarov
CTO
Alex Vinny
Head of Product
Viacheslav Taran
Co-Founder
Andrew Alexeyev
Chief Marketing Officer
Leo Gankin
Senior Traffic manager
Roman Dubinin
Lead Front End Engineer
Mikhail Semin
Back End Developer
Denis Taranets
Head of Customer Support
Julian Grech
Lewal Counsel
Ivan Zaytsev
Back End Developer
Anton Kaprenin
Customer Success Representative
Alexandr Romanin
Senior DevOps Engineer
Vitaly Fedorov
QA/Scrum Master/Release Manager
Licenses & Certifications

AYouHodler is incorporated in Switzerland, and also have their headquarters in this country.
ALooking at reviews from across the web, YouHodler has an average review score of 87% based on 164 reviews.

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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