YouHodler Review: Crypto Loans and Interest-Earning Accounts


YouHodler operates as both an exchange and a lender for cryptocurrencies, and it offers competitive interest rates for cryptocurrency deposits. YouHodler might be more open about the risks, rates, and fees associated with using their platform, which is currently unavailable in the United States. Customers have the option of using their cryptocurrency holdings as security for short-term loans, as well as using borrowed cash to engage in advanced trading. Check out our evaluation of YouHodler to see whether or not this service is right for you.

Comprehensive analysis of YouHodler

Customers located outside of the United States who are interested in accruing interest on their cryptocurrency holdings are a suitable fit for this cryptocurrency lender.


• Receive interest on your cryptocurrency holdings.

• Secure a loan against your cryptocurrency.

• High-tech instruments for trading

• Rigorous “know your customer” (KYC) and “anti-money laundering” (AML) procedures

• Providing an excellent level of service to customers


• Unobtainable in the United States

• Minimum investment requirements

• A lack of openness and honesty

• High annual percentage rates (APRs) for loans

Top rewards

Get interest on your cryptocurrency holdings.

If you plan to keep your cryptocurrency holdings for an extended period of time, it makes sense to investigate opportunities to earn interest on your assets. Depending on the currency, YouHodler plays an interest rate of approximately 5% on alternative coins and approximately 12% on stablecoins. It is impossible to deposit Bitcoin and earn interest in dollars because interest is calculated on a weekly basis and paid out in the same currency as the principal. At any point, you are able to withdraw your funds.

Although these rates are competitive in comparison to those offered by other cryptocurrency lenders on the market, it is vital to shop around and consider all of your available choices. For instance, you might be able to profit from some cryptocurrencies by staking them (that is, tying them up so that the network would be more reliable) or by providing liquidity for the market (committing your coins on a trading platform to make trading more fluid). Each possibility has both advantages and disadvantages.

Lend against your cryptocurrency holdings.

YouHodler enables you to use your cryptocurrency holdings as collateral in the event that you are in need of cash. It provides exceptionally high loan-to-value ratios (LTVs). The loan-to-value ratio, or LTV, refers to the proportion of available collateral for a loan. (If a person owned bitcoin valued at $1,000, and the LTV was 90%, that person would be able to borrow $900.)

Because this is a secured loan, there is no requirement that you have your credit checked, and the approval process is typically completed immediately. However, before to taking out any loan, you should give it some serious thought; you will save money on interest if you wait until you are able to pay the bills in full.

Innovative financial instruments

YouHodler gives its users the ability to acquire cryptocurrency using leverage and access other cutting-edge trading tools. For instance, you may place a wager on the price of a cryptocurrency either increasing or decreasing (going “long” or “short”). You can also give your investments a boost by taking out loans, which is a topic that will be discussed in more detail further down.

Know your customer (KYC) and anti-money laundering (AML) procedures must be followed to the letter.

Depending on how you look at it, this might be seen as either a pro or a drawback. You should not use YouHodler if you desire to remain completely anonymous when trading cryptocurrencies. On the other side, if you are looking for confidence that the firm you are investing with is working hard to prevent money laundering, one area that YouHodler takes very seriously is this concern.

Excellent service to the customer

YouHodler has received a rating of 4.4 out of 5 stars from TrustPilot. Several reviewers highlight how fast their customer service is and how high their interest rates are. A word of caution: YouHodler has received some negative feedback from clients, primarily about the company’s withdrawal alternatives. Make sure you are confident in your ability to withdraw big sums of money from any cryptocurrency exchange before you commit large quantities of money to that exchange.

What aspects could use some work?

It is not available in the United States.

YouHodler is not available to anyone living in the United States. This could be due to the fact that the United States has stringent regulations regarding leveraged trading options. If you utilize the services offered by YouHodler while located in a country that is not permitted, such as the United States of America, China, or any other country, your account may be frozen, and you may not get any returns on any investments you have made.

Because users have to provide evidence of their actual addresses in order to withdraw money from the exchange, it is not a good idea for users to use the site from countries that are restricted from doing so. There are a number of fantastic cryptocurrency exchanges that are licensed to operate in the United States and pay good interest rates on cryptocurrencies. It is worthwhile to check out some of these exchanges.

Minimum investment

The absolute lowest amount that can be deposited is $5. However, depending on the cryptocurrency, a minimum deposit of $100 or more is required in order for you to be eligible to earn interest on your savings. And it is the bare minimum for each coin; having a total of $100 would require far more. To illustrate, in order to earn interest on your Bitcoin (BTC), Ripple (XRP), and Ethereum (ETH) holdings, you would need to make a deposit of at least $100 worth of each cryptocurrency.

Even though $100 is not exactly a little amount, some cryptocurrency exchanges do not require any sort of minimum deposit to open an account with them. And if you have more than one type of coin, you’ll need more than the required minimum amount. There are additional limits on the account maximums.

Absence of openness and honesty

Transparency is important whether you are someone who saves money or someone who borrows money. It is imperative that you inquire about the origin of the money if you are being offered exorbitant interest rates. When it comes to YouHodler, the information is difficult to locate. There is a good chance that the interest consumers receive is derived from the interest customers pay on loans. On the other hand, the website does not make this point abundantly clear, and some decentralized finance (DeFi) lenders offer high-risk loans in order to finance big returns.

The annual percentage rate, or APR, is the total yearly cost of lending and includes interest as well as any fees that may be associated with the loan. In the United States, all lenders are required to publish the APR on a personal loan. Borrowers are able to make informed selections about where to borrow from because this allows them to evaluate similar lending options. YouHodler only provides information regarding the overall cost of the loan, not the APR.

The high interest rates on loans

We determined YouHodler’s APRs by basing them on the overall cost of the loans. When compared to the best personal loans that don’t demand collateral, they have quite high interest rates. In point of fact, they are equivalent to the APRs on a variety of different quality credit cards. If you find yourself in a position where you need to borrow money, do some comparison shopping to locate the conditions that are most favorable to you.

Although YouHodler allows borrowers to extend the durations of their loans, the maximum length of the first loan term that is accessible is six months. It’s possible that non-crypto lenders would offer you longer loan terms, which will allow you more flexibility when it comes to making payments.

Possible alternatives to think about

Gemini boasts excellent compliance standards and pays attractive interest rates on crypto and stablecoins. If you want to earn interest with an exchange that is licensed in the United States, Gemini is a good option. There is no requirement for a minimum balance, and you are allowed a certain number of free withdrawals each month.

If you are looking for an exchange that is situated in the United States and that will let you borrow using cryptocurrency as collateral, BlockFi‘s interest rates are far lower than those of YouHodler, and it offers longer loan terms. Even though the LTV is not quite as high, BlockFi is completely upfront about all of its pricing and expenses.

• Gemini Exchange

• BlockFi

The inner workings of YouHodler

YouHodler can be accessed by both its mobile app and its website. On the website, you will have the ability to borrow money, borrow cryptocurrency, and earn interest.

To get started, you will need to make a minimum deposit of one hundred dollars into a custodial wallet and then finish the know your customer (KYC) processes associated with it. Users are required to show a photo identification along with a proof of address in order to deposit fiat money (traditional money).

Risk and Return

When you add funds to your YouHodler wallet, you put yourself in a position where you could lose some or all of those funds. The danger that you put yourself in will be determined by the goods that you use.

If you would want a greater understanding of the services that YouHodler provides, please refer to our “Usability” section, which explains how these services function.

No matter whatever product you go with, you will put yourself in a position where you are exposed to the danger of dealing with a counterparty. As soon as you deposit your cryptocurrency with YouHodler, you will forfeit the use of the coin in return for additional benefits including a loan or interest on your cryptocurrency deposits. This will happen as soon as you make the deposit.

You will never be able to completely remove the counterparty risk; nevertheless, there are some things that you can do to significantly reduce it.

YouHodler uses both hot and cold wallets to store your cryptocurrency. Cold wallets, which Ledger Vault provides and serves as the custodian for YouHodler, are made available. Your cryptocurrency holdings are protected from theft by Ledger’s crime insurance policy, which offers coverage of up to $150 million. Arch UK Lloyds of London syndicate is the company that provides insurance.

Because doing so lessens the likelihood that you would lose your cryptocurrency in the event that YouHodler is subjected to a hacking assault, storing your crypto assets on a cold wallet has become an industry standard in recent years.

As a saver or trader

YouHodler gives consumers located outside of the United States the opportunity to generate passive income from their cryptocurrency holdings. Both cryptocurrency and stablecoins provide savers the opportunity to earn some of the best rates currently available in the business. The interest accumulates on a weekly basis. The concept behind YouHodler is that it will reward you for HODLing (crypto slang for Holding On for Dear Life).

YouHodler, on the other hand, suggests allocating between 10 and 20 percent of your total investments to the high-risk MultiHODL tool. You can borrow money through this program, and then gamble on whether the value of various cryptocurrencies will go up or down. You also have the ability to multiply the value of your assets by up to thirty times, which raises both the potential for profit and the level of risk involved.

Clients should be aware that the trading tools that are suggested by YouHodler are designed for use by experienced investors and that there are numerous ways to reduce the risk that is involved.

To borrow from someone

A borrower seeking a loan in dollars, euros, pounds, Swiss francs, Bitcoin, or stablecoins may use cryptocurrency as collateral in order to obtain the loan. You have the option of transferring the funds to a bank account, making a withdrawal to a credit card, or using them on the exchange to purchase cryptocurrency. Remember that there is a possibility of a withdrawal charge (covered below).

YouHodler provides three different types of standard loans, each of which has a unique term and loan-to-value ratio (LTV). Additionally, it establishes a “price down limit,” which specifies the maximum amount by which the value of the cryptocurrency collateral can drop before YouHodler is required to liquidate the collateral and terminate the loan. When it comes to a loan with an LTV of 90% and a term of 30 days, there is not a lot of wiggle room, as seen in the table below. However, YouHodler provides borrowers with the opportunity to provide additional collateral if it is required.

Additional features to look out for include the following: • From the beginning, borrowers have the ability to select a closure price, which is the point at which they want to begin taking a profit. YouHodler will automatically sell the user’s crypto collateral once its value reaches this price. The proceeds from the sale will be used to repay the user’s loan, and the remaining funds will be deposited into the user’s account. Loans can be repaid using a credit card, crypto or fiat money stored on the platform, or by making a bank transfer. A loan can also be repaid by the borrower by selling the cryptocurrency that was used as security.

• A borrower may prolong the duration of a loan by paying the currently accrued interest charges in addition to a service fee of 1%.

• The “Close Now” tool gives borrowers the ability to use their collateral to pay back the loan earlier than expected. In addition to that, there is a 1% fee for this.

The use of turbocharing and debt financing to purchase cryptocurrency

YouHodler is a platform that actively promotes its members to borrow money using their cryptocurrency holdings as collateral so that they can purchase additional cryptocurrency. It’s hard to resist. It is not a good idea to take out a loan in order to purchase any type of risky investment since, in the event that the investment declines in value, you stand to lose your money.

Let’s say you chose to make a down payment of 0.2 BTC on the 30-day loan with an LTV of 90%. You get 0.18 BTC, giving you 0.38 BTC in total. The price of Bitcoin has dropped by 5%, which causes the price down limit to be triggered. You are left with 0.18 Bitcoin after the sale of your first Bitcoin, which was used to pay off your debt. You have just suffered a loss equal to 10% of your initial Bitcoin balance.

The Turbocharge feature of YouHodler initiates a series of loan transactions. It will automatically utilize the fiat cash that you borrow to purchase further cryptocurrency, and it will use the cryptocurrency that you purchase as collateral against another loan. There is a multiplier option for your loan that ranges from three to ten times. Because each extra loan is used to boost the amount of cryptocurrency that you already hold, you will not receive any of this cash. You are successful if the value increases. In the event that it falls, you run the risk of losing your initial collateral as well as any costs, and you are only left with any cash that are leftover from your final loan.

The most concerning aspect of YouHodler is the fact that it promotes high-risk investment methods without providing users with sufficient expertise to assist them in mitigating those risks or a great deal of information regarding the inherent risks associated with those strategies. The name of the company might lead you to believe that this is a secure place to store your cryptocurrency, but the Turbocharge and MultiHODL functions will urge you to take unnecessary risks.

Fees overview

YouHodler’s exchange costs are comparable to those charged by other cryptocurrency trading platforms. Be aware, though, of the fees associated with making deposits and withdrawals of your money. Before you deposit your money, you should first determine how much interest you will need to generate to cover a withdrawal fee of, for example, $70.

Please be aware that the content provided on the YouHodler website does not always adhere to the same format throughout. We’ve utilized the rates from its wallet, which do not always correspond to the numbers listed on its fees page.

Please be aware that the content provided on the YouHodler website does not always adhere to the same format throughout. These figures were taken directly from the transaction history pages of a wallet.

Exchange fees

The fees required to convert fiat currency into cryptocurrency or trade cryptocurrency might vary significantly depending on the nature of the transaction. As an illustration, the fee to convert one hundred dollars into Bitcoin is one dollar (1%). The fee to convert 0.02 Bitcoin into Ethereum is 0.000040 Bitcoin (equal to 0.2 percent of the transaction).

The rates are similar to those offered by other exchanges. On the other hand, the processing of the trade could take anywhere from five to thirty minutes, and during that time the rate could shift.

If you make money while using the MultiHodl service, you will be required to pay an origination charge, as well as hourly fees and a 10% profit share of any profits you generate.

Alternative cryptocurrencies to consider.

YouHodler offers a respectable assortment of interest-earning cryptocurrencies, with 24 different cryptocurrencies and 8 different stablecoins to choose from. Some cryptocurrencies, like Cardano (ADA), Tezos (XTZ), and Monero (XMR), have the ability to serve as collateral, but they do not accrue interest. The fact that Cardano and Tezos cannot be staked on this exchange in order to receive incentives on other exchanges is a little frustrating.

In addition to that, it provides non-fungible tokens, commonly known as NFTs. NFTs are essentially digital collectibles that can be traded or used as collateral for loans.

You can earn interest on the following currencies by holding them with YouHodler:

• What is Bitcoin? (BTC)

• Ether (ETH)

• Constituent (COMP)

The name Synthetix (SNX)

• Litecoin (LTC)

• Bancor (BNT)

The Bitcoin Cash Symbol (BCH)

• Augur (REP)

• Maker (MKR)

• OmiseGo (OMG)

• The Binance Coin (BNB) (BNB)

• Bitcoin Segwit2x (BSV)

• Chainlink (LINK)

• SushiSwap (SUSHI)

• Paxos Gold (PAXG)

• Stellar (XLM)

• Dash (DASH)

• Huobi Token (HT)

• Uniswap (UNI)

• (YFI)

• Dogecoin (DOGE)

• 0x (ZRX)


• The Most Primitive Attention Symbol (BAT)


• Use a tether (USDT)



• US Dollar Coin (USDC)

• Binance in US Dollars (BUSD)

• Paxos Standard (PAX)


• TrueUSD (TUSD)

Is YouHodler a reliable place to store your cryptocurrency?

YouHodler is equipped with all of the user-level security features that one would anticipate, such as two-factor authentication (TFA). Customers who have more than $10,000 stored in their accounts have the option to deactivate all withdrawal methods for an additional layer of protection.

YouHodler uses a combination of hot and cold wallets to store its customers’ digital assets. Although it does not specify what proportion is held offline in cold storage, it does have a partnership with digital asset protection specialists Ledger Vault. This ensures that private keys are protected, encrypted, and never come into contact with YouHodler employees.

Customers would be protected in the event of fraudulent activity or theft thanks to the inclusion of a pooled insurance policy worth $150 million against criminal activity as part of the protection offered by Ledger Vault. However, much like with many other cryptocurrency exchanges, the customer funds would not be protected by the insurance in the event that the exchange went out of business. The FDIC insures deposits in checking and savings accounts in the event of a bank failure; however, this coverage is not extended to cryptocurrency platforms.

YouHodler has stated that it participates in multiple organizations, including the Blockchain Association, which are responsible for providing dispute resolution services. If a customer feels they have been mistreated by YouHodler, they may have legal options available to them.

How exactly does YouHodler monetize its platform?

After conducting research into the business model utilized by YouHodler, our team came to the conclusion that it is perhaps one of the most open and honest methods currently utilized within the sector.

The ONLY purpose for which the platform will use your deposits is to support their loan offerings within YouHodler. This style of doing business is significantly more open and honest than others due to the fact that all loans are secured by collateral rather than borrowers.

YouHodler does not risk your deposits in DeFi protocols or speculate with them, as is the case with Nexo. This is in contrast to the majority of other sites that facilitate crypto-lending (one of the shadiest companies we have ever seen).

YouHodler is the best choice for you if you:

• You are a customer located outside of the United States and you want to earn interest on your cryptocurrency.

• You feel confident using trading tools that involve a higher level of risk.

• You are interested in using your cryptocurrency holdings as loan collateral.

What Are Your Thoughts On YouHodler, Group?

YouHodler is an intriguing platform that gives you the opportunity to earn interest on your cryptocurrency holdings. The platform’s administrative offices are located in Switzerland, but its cryptocurrency interest account is legally operated out of Cyprus.

Even though crypto lending is not regulated in Europe, the platform still devotes a significant amount of its resources to ensuring that it is functioning lawfully and providing certain safeguards for its customers. Only a short while ago, the platform was successful in its application for a bitcoin provider license in Italy.

We have communicated with YouHodler’s support team on multiple occasions to gather more information regarding their business practices. Their responses demonstrated a deeper level of insight than those that we received from other companies, such as Nexo.

YouHodler provides a comprehensive range of services. You should exercise extreme caution when using any of YouHodler’s other services, despite the fact that the cryptocurrency savings account option is arguably one of the most user-friendly ways to generate interest on your Bitcoin holdings.

The Multi HODL, Loans, and Turbocharge features all come with additional risks and fees, some of which are not as easily understandable as others. It is quite tempting to leverage your crypto deposits in order to earn profits on other investments; nevertheless, there is a risk that this strategy will fail.

If you do choose to use some additional capabilities, we strongly advise that you familiarize yourself with the terms and make sure you comprehend all you are doing before it is too late.

YouHodler is not one of the many platforms that automatically assumes ownership of the cryptocurrencies you deposit into its system when you do so, as is the case with many other platforms. If you solely use the saves option, the coins will continue to be yours even after you put them away.

During our conversation with YouHodler, we discovered that the platform obtains the capital needed to fund loans through deposits. Therefore, it would be beneficial if you did not place too much stock on the concept of “ownership” of your coins. When compared to other platforms or exchanges, it places you in a somewhat more advantageous position legally when it comes to depositing your coins.

Our Experience

Since the beginning of 2021, we have been conducting tests to evaluate the functionality of YouHodler, and our current stake on the platform is greater than 8,500 Euros (depending on the volatility of the market on a given day).

We think that the crypto interest account offered by YouHodler is presently one of the greatest options to generate an ongoing passive income from your cryptocurrency holdings. It is an excellent alternative to several peer-to-peer lending platforms that we analyze here on P2P Empire because the platform gives 12% interest on fiat-backed stablecoins, such as USDC or EURS.


YouHodler is more than simply an online wallet for cryptocurrency; the site also provides a wide range of other goods and services to its users. The following is an explanation of the various features that are available to you on YouHodler.


YouHodler relies heavily on exchange due to the fact that the platform does not pay any interest on your fiat money holdings.

You can earn interest on your coin by either depositing crypto or stablecoins to YouHodler (the former of which is the least expensive option) or transferring fiat currency to the platform and then exchanging it for crypto.

Wallet that stores cryptocurrency

You merely need to put your coins into the wallet provided by YouHodler in order to start earning interest on them. If you do not utilize the funds that you deposit for other features such as the Multi-HODL, Turbocharge, or Loans, you will have your deposits earn interest for you automatically.

Your deposited currency will be updated weekly (on Fridays) with the interest that has been accrued.

It is essential to emphasize the fact that Ledger Vault safeguards all savings assets and provides insurance coverage of up to $150 million. YouHodler is currently one of the greatest platforms available for lending your cryptocurrency and earning a yield on your investment.

A limit on the dynamic yield

YouHodler has just recently implemented a limit on the total amount of cryptocurrency that can create yield in a user’s account, which they refer to as “the dynamic yield limit.”

The majority of users have a default limit set at 24,000 Euros (or USD). If you deposit more crypto into your YouHodler wallet, you won’t earn any yield on it unless you increase this yield limit first. Until then, you won’t earn any yield on it.

To raise your limit, you must first become more active on the platform and begin using additional services such as MultiHODL, Turbocharge, or the in-house exchange. Only then will your limit be raised.

Is There a Benefit or Drawback to Having a Yield Limit?

The yield limit was implemented because YouHodler is interested in boosting its income so that it can pay out competitive rates to crypto-hodlers. As a result of this interest, the yield limit was implemented.

It is important to keep in mind that the platform does not participate in any highly speculative yield-generating activities outside of YouHodler’s ecosystem. This considerably minimizes the risk when compared to rival platforms that rely on DeFi protocols and other speculative investments.

YouHodler DUAL Asset

YouHodler dual is a new tool on YouHodler that enables you to trade the volatility of the market by staking portion of your assets in exchange for a high profit ranging from 100% to 365% annualized percentage return (APR).

Does it sound too wonderful to be true? We had that assumption. Let’s have a look at the functionality of this feature.

You always trade with two different currencies when you use YouHodler dual. The second currency pair consists of a stablecoin, such as USDC or USDT, while the first currency pair is a crypto asset, such as Bitcoin, Ethereum, Solana, or Cardano.

To begin using Dual, you will first need to choose a currency pair. YouHodler’s second step requires you to select the input currency for the bets that you intend to make.

The staking time might be anywhere from 12 to 24 hours (maximum). The annual percentage rate (APR) that you are offered is determined by the currency pair as well as the amount of time that you have risked.

Let’s say we go with the Bitcoin to US Dollar exchange rate. We wish to bet one thousand US Dollars Canadian for one day. The provided annual percentage rate (APR) is now at 145%, and the input currency is USDC. Following the selection of the input currency and the duration of the staking period, we are able to consult the following chart in order to determine the amount of USDC or BTC that we have earned.

Should there be an increase in the price of Bitcoin during the period that was staked, we will receive 3.97 USDC in interest in addition to the 1000 USDC that was staked after a period of 24 hours.

In the event that the price of Bitcoin falls throughout the staked time, we will be paid an interest rate of 0.0000181 BTC in addition to having the initial 1000 USDC converted into Bitcoin.

You will always receive the exact APR for both currencies; the only thing that changes is the payment currency, which is determined by how the market has developed during the period of time that you are staking.

Can you lose your assets?

After the staked period, regardless of the results, you will have a greater quantity of assets in your possession.

When the change in the price of the currency pair is not less than the annual percentage rate (APR), a win-win situation has occurred.

Let’s return to our previous illustration and make the assumption that the price of bitcoin will decrease during the period it was staked.

This indicates that at the time the payout was processed, you received a greater quantity of Bitcoins; but, their current worth is slightly lower.

This is something that is referred to as a loss that is only temporary. Only if you immediately decide to sell Bitcoin will you incur a loss. In that scenario, the amount of USDC that you receive will be less than what you had before.

On the other hand, if you choose to receive your payout in a volatile asset, you will have the option to convert it back to other coins or to create a new Dual Assets deal after the price of the asset has increased.

How exactly does YouHodler profit from the Dual cryptocurrency?

The conversion fees for dual deals are the primary source of revenue for the company. You are guaranteed to receive the exact APR that is displayed; nevertheless, YouHodler will earn a spread on each and every trade. Dual is a tool that can generate revenue for you while simultaneously boosting your yield limit.

Multi HODL

YouHodler has developed a unique tool called Multi HODL that gives users the ability to leverage a portion of their deposited funds in order to potentially improve their profits by placing a wager on whether or not the value of the currency will increase or fall.

When you use Multi HODL, a chain of loans will be initiated, which means that you will take out a loan using your cryptocurrency as collateral, then buy cryptocurrency and repeat this process up to 25 times.

You can improve the possibility for profit by using the cryptocurrency assets you already have.

How does it work?

1. You get to decide which currency combination to use.

2. You are the only one who can decide whether you think the price will go up or down.

3. You decide where your deposits are coming from and how much of those deposits you want to put into the Multi HODL account.

4. You are tasked with selecting the “Multiplier” (the higher the multiplier, the tighter the margin call)

5. You are the one who decides when you will take a profit.

6. You are responsible for determining the maximum amount of probable loss that you are willing to accept.

7. You agree to the conditions and get started.

Cryptocurrency Loans

If you have read our comparison of several crypto lending platforms, then you are already familiar with the advantages of crypto-backed loans.

YouHolder gives you the opportunity to obtain a loan in the form of either US Dollars or Euros in exchange for depositing your cryptocurrency. The system will automatically provide you with three different offers to choose from.

1. LTV of 90% for a period of 30 days

2. LTV 70% for 60 days

3. LTV 50% for 180 days

The higher the LTV, the lower the minimum amount of cryptocurrency that must be deposited. A LTV of 50% requires you to make a deposit equal to two times the value of the crypto assets that will be used to secure the loan that you intend to take out.

You can obtain additional information regarding the loan terms by picking one of the deals. The “loan fee” might be anywhere from 2% to 8% of the loan amount.

In the example that follows, you will be offered a secured loan for the amount of $27,306, but after 180 days, you will be required to repay $29,490. In this particular instance, the charge for the loan is $2,184, and it is only for a period of six months.


Turbocharge is a function that enables you to take out a loan and then use that loan as collateral for a second loan that you take out. You can carry out this procedure as many times as you like.


In order to withdraw your fiat currency or cryptocurrency, you will be required to pay a small withdrawal fee. When you make a withdrawal using a SEPA transfer, you will be charged a fee of €5, SWIFT (USD) 5%, or minimum. 70 USD, SWIFT (EUR) €55.

The lowest amount that can be withdrawn with a wire transfer is $500 (or 500 Euros). The minimum amount required to withdraw fiat currency from a cryptocurrency exchange ranges from $10 to $50. (in crypto equivalent). The lowest amount that can be withdrawn in stablecoins is five euros.

Depending on the cryptocurrency that you are withdrawing, the time it takes to complete your withdrawal shouldn’t take more than a few minutes or a few hours at most. Be warned, however, that in order to withdraw your assets, you will first need to become a verified user. YouHodler requires that you provide evidence of your address before you may take part in any transaction using fiat currency.

Security from YouHodler

YouHodler places the funds of their customers in a cold storage facility that is both offline and secure. YouHodler has formed strategic alliances with a number of respected financial institutions in Switzerland and Europe in order to ensure the security of the users’ loaned funds. In addition to this, it ensures that the contract is legally enforceable and adheres to all EU laws and regulations.

YouHodler customers’ cash are kept safe by LedgerVault, a global leader in cybersecurity, which also provides its users with an additional multi-authorization self-custody method option.


YouHodler’s assistance is significantly superior to the vast majority of the other cryptocurrency lending platforms’ support offerings. You can also obtain further information regarding the platform’s terms and conditions and the operation of certain items by consulting the platform’s dedicated help section. If you are interested in learning more about certain products, such as the Multi HODL or Turbocharged loans, we strongly suggest that you check out the assistance area.

You have two options for getting in touch with the customer support team: either use the live chat feature on their website or send an email to

Final Reflections on the YouHodler Review

To summarize, YouHodler is a genuine platform that provides holders of bitcoin with a variety of different benefits in a variety of different ways. This platform is ideally suited for cryptocurrency holders who would prefer to earn interest on their holdings rather than letting them sit dormant in their best crypto wallets and who are interested in doing so. According to the findings of the YouHodler study, due to the high interest rates that it charges, YouHodler is not the most suitable choice for obtaining financing for extended periods of time.

On the other hand, YouHodler is the finest option for the user who needs a short-term loan to meet their cash flow requirements if they are looking for such a loan. It paves the way for the customers to have numerous new options available to save their cryptocurrencies rather than selling them. In the event that the user requires cash, they do not have to sell their cryptocurrency because they have the option to borrow cash at a rate of interest that is far lower.


Is YouHodler a reputable company?

The YouHodler review indicates that the YouHodler platform is a legitimate one that provides a quicker and less complicated approach to acquire a loan. It provides the users with a single platform on which they may trade and lend their bitcoins.

Are Customers in the United States Allowed to Use YouHodler?

Reviews found on YouHodler indicate that due to the extremely high interest rates, this platform is not the greatest option for consumers who are looking for loans over a longer period of time. However, if the user wants money immediately, our platform provides an easy-to-use solution for that problem. In addition, consumers located in the United States of America are unable to use this platform because it is not offered in that country.

Where is YouHodler’s main office located?

YouHodler has its headquarters in Cyprus, however the majority of its business is conducted in Switzerland.

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