YouHodler Review: Lend Crypto to earn interests up to 12%

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About YouHodler


YouHodler is a Switzerland-based crypto lending platform that offers users loans with minimal interest rates and the option to save funds to accrue juicy returns. The two-year-old platform has become a leading crypto bank- providing users with up to 22 supported coin investments, including BTC, ETH, UNI, BNB, etc., and stable coins like USDT, USDC, TUSD, HUSD, PAX, and DAI. All investment options are available to users worldwide except the US, China, Iraq, Bangladesh, and North Korea. This YouHodler review will walk you through all the information you need to understand the platform, how to invest in it, and how much you can earn with it.

youhodler interface review
Figure: YouHodler’s interface

How it works

YouHodler provides two essential banking services (savings and crypto loans) and two extras (TurboCharge and MultiHodl). Let’s take a deeper look of these four services as port of this YouHodler review. 

Crypto loans

YouHodler provides the best loan service most efficiently. Here’s how it works:

Create an account, transfer crypto to your YouHodler wallet, and request a loan.Check all available loan options in terms of duration, loan-to-value ratio(LTV), and price down limit (PDL).Click on one of your choosing, and your loan gets approved within seconds. Get your collateral back anytime by repaying your loan. Manage your loans using the in-built loan calculator and adjuster in the web platform or Android and iOS app. Adjust your loan metrics, including LTV, PDL, and duration, in cases of collateral price fluctuations using the app or web platform. Exit using the platform’s unique exit strategies. 


This service allows you to earn interests on your cold crypto assets weekly by following these simple steps:

Deposit a minimum of $100 (fiat or equivalent in BTC, ETH, UNI, BNB, etc., and stablecoins) to your savings account. Check your estimated earnings using the in-built estimate provider..Relax and watch your asset accrue weekly interest as soon as it lands in your account.


Use the platform’s exclusive turbo loan feature to set off a cascade of loans to multiply your gains. The platform uses the lent asset to buy more crypto to use as collateral for the following loan you’re borrowing. Set your Take Profit and price down limits and watch YouHodler handle the rest.


Experienced traders use this feature to multiply gains by processes that mainly involve predicting currency pairs’ directions. Keep 80% of your savings and earn returns, and 10-20% will be used to take out loans for the investment.

YouHodler borrowing rates

YouHodler offers the best rates on all loan services and savings accounts. Here’s a quick rundown.

youhodler review collateral
Figure: YouHolder collateral options

Best crypto loan services with the highest loan-to-value ratio (up to 90%).  Get fiat currencies like USD, EUR, GBP, CHF, or stablecoins like USDC, DAX, TUSD by using crypto assets as collateral.Up to 23 coins are supported as collateral options.

Loan interest rates are competitive, and they depend solely on the duration. Here are the fees and Loan-to-value (LTV):

  • 30-day loan: 3% fee 90% LTV, and 5% PDL
  • 60-day loan: 5% fee, 70% LTV, and 25% PDL
  • 120-day loan: 9% fee, 50% LTV, and 40% PDL

YouHodler interest rates

Another key information from this YouHodler review are the cryto interest rates that you can ear when investing with YouHodler. The image below summarises all interest rates per crypto.

youhodler review lending rates
Figure: YouHolder’s Crypto savings account reward – Interest rates 

Earn up to 12% APY on stablecoins. Yields on BTC, ETH, and UNI are 4.8%, 5.5%, and 7%, respectively.Weekly compounded interest makes it possible to earn even more than the APY. New weekly gains are compounded on the previous week’s earnings plus initial capital.

Check out YouHodler to earn interests up to 12%!

Register on YouHodler by clicking the button below.

Start to invest

Is YouHodler safe?

Asides from the fact that YouHodler works with reputable crypto institutions, several plans are put in place to ensure your assets get the best security there is. 

All crypto assets are insured with LedgerVault. Users can enable 3-Factor authentication for users that have more than $10,000.The platform is a member of the Blockchain Association; this means you can opt for dispute resolution with authority outside of the platform.As an EU organization, the platform complies with strict legal obligations and laws; which is a considerable edge over other competitors legal-wise.Users can also disable withdrawals which can only be re-opened upon request and a KYC verification. YouHodler monitors all transactions and prevents illicit schemes such as money laundering and terrorism-sponsoring via partnership Elliptic and CipherTrace.

Pros & Cons

+ Support crypto-crypto and crypto-fiat currency conversions
+ Up to 12% APY on stablecoins
+ Weekly compound interest
+ Highly safe and extensively monitored
+ Flexible loan repayment and adjustment options
+ Very high LTV ratio
+ Instant profit withdrawal
+ No credit checks required
+ Dispute resolution via an extra-YouHodler body
Minimum deposit of $10
– Relatively new platform of 2 years (as of 2021)
– Not the highest stablecoins returns (see Celsius)
– Not the highest Bitcoin lending returns (see Binance)

YouHodler investments review

Investments summary

Investment currencies
Up to 22 supported coin investments including BTC, ETH, UNI, BNB etc., and stablecoins like USDT, USDC, TUSD, HUSD, PAX and DAI.
Return on investment (ROI)
12% APY on stablecoins
4.8% APY on BTC, 4.8% APY on ETH, 7% APY on UNI
rank 4/5
Minimum investment
$ 100
rating 2
Investment period
rank 5/5
Investment fees
rank 5/5
 Trustpilot Score (Safety)

Investment types

crypto lending
Crypto lending

Investment example

The picture below illustrates the crypto lending view with YouHodler to earn crypto interests.

youhodler review investment example
Figure: YouHodler savings account with crypto lending interests

Suppose John wants to earn passive income on his 10 BTC lying dormant in his wallet, he can open a savings account with YouHodler and deposit it to earn returns.
With an APY of 4.8%, John is sure to exit with at least 10.49 BTC after 12 months, all without doing anything.

Investment result forecast

Below you will find the resulting forecast when investing using YouHodler compared to investing the same amount in the US stock market (US stock market: 6% average yearly growth in the last 30 years).

By investing $1’000 using YouHodler for 15 years you might end up with $5’474 ($3’077 more than with the stock market).

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YouHodler bonus and cashback

Register on YouHodler by clicking the button below.

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YouHodler competitors

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