Contributor, Benzinga
July 14, 2021
Overall Rating:
securely through Youhodler's website

YouHodler is the next generation of fintech applications that helps people benefit from the growth of cryptocurrency through crypto-backed loans.

The company’s payment solutions enable users to trade cryptocurrency or place funds into a checking account drawing up to 12.3% plus compound interest. YouHodler lends out your currency, and you earn interest when you buy and hold. It pays interest on 33 different currencies such as the USDT, USDC, PAXG, BTC, ETH, and DOGE.   

Retail customers use assets for crypto lending and earning higher interest rates through their accounts.

Best For
  • Saving
  • Crypto loans
  • Exchange
  • Crypto investing
  • High-interest savings accounts
  • Crypto-based loans
  • Crypto trading and exchanging
  • YouHodler is not available in the U.S. and China.

Youhodler Ratings at a Glance

YouHodler Crypto Banking Options
YouHodler Customer Service
YouHodler Pricing
YouHodler Mobile App
YouHodler User Benefits
YouHodler User Experience
YouHodler Overall

YouHodler Crypto Banking Options

YouHodler is the new wave in crypto banking. You can buy/sell/exchange cryptocurrency, earn interest and make crypto loans. These options enhance your profitability in crypto by diversifying into different areas of investing. You have more flexibility and choices to take advantage of changing market conditions.

Crypto loans enable you to use your digital currency as collateral for generating cash. You receive 90% of the value of 24 of the most popular cryptocurrencies. You can start with $100 and earn money with immediate withdrawals at bank accounts or credit cards. You can borrow using USD, EUR, CHF, or GBP.

YouHodler gives you the ability to exchange fiat, stablecoins, or cryptocurrency. An application takes you through the conversion process to get your funds fast.

YouHodler pays interest rates of 12% APR (+compound) by turning crypto assets into a savings account. Interest is paid every week into your crypto wallet. Those who like to buy and hold cryptocurrency find this beneficial for increasing their income and total returns.

YouHodler allows you to take advantage of market volatility through Multi HODL. Multi HODL lets you take 20% of a cryptocurrency and loan it out to create a series of loans paying you interest.

You can repeat the process 6.5 times and improve your returns using the turbo-charge feature while sitting in the digital currency. The turbo-charge feature allows you to use a small amount of your risk-free wallet and take advantage of the changes in prices. The remaining 80% stays in the savings account, generating an interest rate of 12%. You can avoid negative and near-zero interest rates from traditional banks and financial institutions.

YouHodler accepts non-fungible tokens (NFT) as collateral for making loans. NFTs are unique assets that cannot be replaced and have been formed into digital assets such as music, fine art, and video games. YouHodler works like a pawnbroker, where the company accepts these NFTs and provides a loan to you for the asset. 

YouHodler Customer Service

YouHodler’s customer service uses various tutorials and answers from the YouHodler team to cover most issues. If you have problems after going through the tutorial, you can use the chatbot in the bottom corner of the “Help” page for additional assistance. Those who need to speak to an actual person can leave a message for customer service to call back on the Telegram mobile application.

You can find most of the answers you need in the tutorials and from the YouHodler staff bot. The bot takes you to specific pages where you can get additional information. If none of these options work, you can leave a message for customer service on Telegram and receive a response to your inquiry within 24 hours. 

YouHodler Pricing

YouHodler’s pricing structure is straightforward using transactions based on withdrawals, close-outs, and the extension of credit.

  • 5% fee for bank wire withdrawals
  • 3% fee for credit card withdrawals
  • 1% to close out a loan
  • 1% to extend loans and interest
  • 1.5% for increases in collateral and loan-to-value ratios
  • Conversion calculator

The fees are reasonable and transparent for the services you receive. 

YouHodler Mobile App

The mobile app is easy to use and straightforward. You receive quick access to the same information on the website. Ledger Vault secures the information and data. Ledger is a technology infrastructure platform that secures multiple data layers and provides $150 million of insurance against data breaches. Both the mobile app and website use Ledger for securely storing and processing all transactions. 

YouHodler User Benefits

YouHodler gives benefits that make the platform unique and easy to use, including:

  • Strong customer support and help
  • Numerous choices for crypto collateral
  • A blog with information on upcoming changes in the crypto world and the company
  • Savings accounts that increase in value securely to your wallet
  • The ability to exchange and trade cryptocurrencies
  • Multi HODL that allows you to take advantage of volatility.

You have greater flexibility to adjust to the changes in the crypto world and trading environment.

YouHodler User Experience

We rate the user experience with 4.5 stars. YouHodler is easy to use, and you have many options to generate profits. The company is transparent and gives detailed explanations of the services and how everything works. The colors are eye-catching, and nothing is confusing about the process.

Customer service uses a series of tutorials, bots, and FAQs to give you most of the information you need. You can contact the company through Telegram and wait for a response from them.  You don’t have direct customer support, but the company does an excellent job of responding to your issues and answering any questions. 

YouHodler vs. Competitors

YouHodler provides services competitors do not:

  • Crypto loans with loan to value ratio of 90%
  • The highest interest rates on savings without native token staking
  • A mixture of investments, savings, and lending services
  • High levels of safety and state-of-the-art security

 These features give the company unique ways of increasing profitability and your overall returns. 

YouHodler Overall

We give YouHodler a rating of 5 stars. The company is taking the crypto world to another level by combining a host of features. With YouHodler, you can save, reduce risks, loan out your crypto assets and take advantage of volatility. No other company gives you a combined package that focuses on all these features in a single application. 

YouHodler Tutorial

YouHodler provides a tutorial that explains how everything works and the benefits to you.

Frequently Asked Questions


How safe is YouHodler?


YouHodler uses Ledger Vault, a technology infrastructure platform, to store information and data in multiple data layers. Ledger provides $150 million of insurance against data breaches. The company holds the fiat funds at reputable banks in Switzerland and Europe. All credit cards follow the Payment Card Industry Data Security Standard (PCI DSS) for crypto operations. The company routinely performs external audits on these safeguards. 


Where is YouHodler Based?


YouHodler has offices in Lausanne, Switzerland, and Limassol, Cyprus. 

Disclosure: eToro supports the following currencies: BTC, ADA, DASH, DOGE, EOS, ETH, LTC, NEO, XLM, XTZ, TRX, ZEC. eToro USA LLC; Investments are subject to market risk, including the possible loss of principal. T&Cs apply. *The bonus is available to Benzinga readers in the US for open states only. Served by eToro USA LLC.

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