Contributor, Benzinga
January 7, 2022
Overall Rating:
securely through Hodlnaut's website

Hodlnaut’s stated mission is to help individual investors get the most out of their cryptocurrencies. The company partners with institutions like Fireblocks, Jumio, Nexus Mutual and Okcoin to make stable crypto investing possible.

Best For
  • Anyone who wants to save for the future
  • Crypto owners who don’t want to be active investors
  • Investors looking to diversify their portfolios
  • Quality interest rates for savings accounts
  • Easy navigation and a powerful mobile app
  • Information for the novice crypto owner up to the advanced trader
  • Not FDIC or SIPC insured
  • Customer service team isn’t available via phone

Hodlnaut Ratings at a Glance

Update: Hodlnaut has halted all withdrawals, token swaps and borrowing and lending services due to market conditions.

Hodlnaut is a savings and holding platform. You deposit your coins, earn interest and watch your investment grow. A crypto interest account works much like the savings account you may already hold at your traditional bank around the corner. 

It’s one of the simplest platforms on the market. You:

  • Deposit your Bitcoin or altcoins.
  • Earn compound interest.
  • Receive weekly payouts or withdraw at any time.

It’s that simple. If you want to do a token swap, you can register for the platform and complete your swap order quickly if you:

  • Choose the token you wish to swap.
  • Check the quote.
  • Place the order.

The Fixed-Term Deposit allows you to earn higher interest rates when you:

  • Select Fixed Deposit.
  • Commit to lock your crypto with Hodlnaut from 28 to 180 days.

Hodlnaut also offers an alternative to earn at even better rates when you deposit more than 25 BTC or equivalent and lock in your cryptocurrencies for one month or more. To get started, you can drop an email to

Fixed Term Deposits

At Hodlnaut, a new product allows crypto hodlers to take advantage of industry-leading rates. You choose your desired deposit term (28 to 180 days,) get your earned interest upon maturity and can complete the process as many times as you like.

Supported assets include Bitcoin, Ethereum, USD Coin, Tether, Wrapped Bitcoin and DAI. You choose the principal amount and lock in period. Remember, the longer you lock in, the higher the interest rates you will get.

Simply deposit your tokens, create the fixed term deposit and receive your earnings when the deposit matures.

Hodlnaut Customer Service

Customer service at Hodlnaut is available Monday through Friday 10 a.m. to 7 p.m. (GMT +8) via live chat or its online form. You may also email the customer care team at

While it would be nice to have a phone number to call when Hodlnaut is holding your coins, it does a great job of working with and connecting to customers. 

You can also reach out on social media at:

Hodlnaut Pricing

Transparency and simplicity are both hallmarks of the Hodlnaut platform. You can visit Hodlnaut to see the charts for yourself. 

The highlights include:

  • No deposit fees
  • No fees for token swaps
  • Withdrawal fees are very low with no minimum withdrawal 

Because the platform only makes a tiny amount of money in fees when you withdraw currency, you can be sure that your overhead costs remain as low as possible. 

Keep in mind, however, the interest rates are subject to change, and they are compounded given the number of coins you deposit. For example:

  • 1 or 2 BTC earn 7.20% APR and 7.46% APY
  • The next 8 BTC earn 4.00% APR and 4.08% APY
  • The next 90 BTC earn 2.00% APR and 2.02% APY
  • Every BTC over 100 earns 1.00% APR and APY

If you want to see rate charts for each supported currency, check out Hodlnaut rates.

Hodlnaut Mobile App

Hodlnaut has a beautiful mobile app that’s available on both iOS and Android. With the dark blue background and an ocean of different shades, it’s easy to read, gives you immediate access to your crypto savings account and even allows you to contact the customer service team. 

You can send and receive coins through the app, check your interest statements and track the real-time movement of each coin you own. It even functions on iPads. 

Hodlnaut User Benefits

When you invest, you want to get as much out of that investment as you can. On one hand, you can hold your coins (hence the name HODL-naut,) but on the other hand, you want to earn more than the coin is giving. At times, it can take ages for a coin to give you a really good return on your investment. 

Earn Interest on Crypto

Hodlnaut allows you to earn interest all the time, simply layering more cash into your portfolio.

Additionally, the site and app are easy to use. You won’t be confused when you register, and you will feel comfortable knowing this is a legitimate, authorized and properly managed company. 

Secure Accounts

Hodlnaut uses 2-factor authentication and CAPTCHA to ensure accounts are locked down tight. 

Crypto News

You can subscribe for updates from Hodlnaut that teach you more about buying and holding cryptocurrency.

Answers to Your Crypto Questions

Read through the FAQ section to learn how the platform works and to answer your questions. In short, you can teach yourself all about cryptocurrency and how holding can help you invest for the future. 

Crypto Tips and Guides

Hodlnaut also offers tips and guides for those who want to invest further. Crypto Tips teach you strategies used by the best investors on the market. You’ll learn something new every time you scan the articles on this page.

Jump to the Crypto Guides to learn more about how the platform works and all the little things it can offer (there’s simply too much to list here.)

Hodlnaut User Experience

Hodlnaut is, above all else, easy to navigate. The information you need is available with just a few clicks. If you start reading to learn, you could fall down the crypto rabbit hole pretty fast. 

This is a good thing because the site isn’t selling you risky crypto investments — it’s offering you a chance to earn massive interest rates on your coins while you learn about the cryptocurrency market. 

It is the sort of site you can recommend to your friends knowing that they will have a lovely experience.

Plus, you can slide easily from the website to the mobile app without confusing the system — making Hodlnaut the perfect platform for investors on the go. You never know if you’ll be at your desk or traveling when you must make financial decisions, and Hodlnaut has you covered.

Hodlnaut vs. Competitors

More than anything, Hodlnaut pays amazing interest rates for cryptocurrency holders. While other several platforms out there function as competitors, these companies rarely — if ever — offer up to 12.73% APY on your coins.

Additionally, few investment platforms of any style offer this level of information. Visit the Hodlnaut site for the first time as an amateur, learn and exit as an educated investor. 

  • securely through Hodlnaut's website
    securely through Hodlnaut's website
    Best For:
    Crypto owners who don’t want to be active investors

Hodlnaut Overall

Hodlnaut is a beautiful platform that’s both safe and easy to use. While it would be nice to save with more than the 6 available cryptocurrencies, the company has plans to include more currencies for users. All the extras on the site more than make up for the small number of supported coins. 

You can learn everything you need to know about investing in crypto, earning interest and growing your portfolio. You can take your investments with you in the mobile app, and the interest rates will turn the heads of even the most skeptical investors. Give it a try if you don’t want to be an active trader but still want to get something out of your crypto portfolio. 

Hodlnaut Tutorial

Frequently Asked Questions


Can I use Hodlnaut in the U.S.?


Yes! U.S. customers can use Hodlnaut. As with other crypto platforms, account holders do not enjoy FDIC or SIPC protection. 


What is Hodlnaut?


Hodlnaut is a platform that allows crypto investors to earn interest on their holdings. You can register, deposit your coins with Hodlnaut and earn the interest rates as shown on the site.


What activity is prohibited by Hodlnaut?


Hodlnaut reserves the right to decline incoming assets from a few sources. They include mixing, peer to peer or other high-risk exchanges that do not use KYC verification. Plus, activity from gambling sites and Darknet marketplaces is prohibited.


What interest rate am I earning?


Hodlnaut account holders automatically get the highest interest rate. The rate is shown in the Statements section of your account.


How is hodling interest paid?


Interest is calculated at the end of each day and credited to your account every Monday at 5 pm (GMT +8).

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