YouHodler Review

Earn on average 4.8% interest per year.
Your investment is secured by cryptoassets.

  • Earn 4.8% on your BTC
  • Earn up to 12.7% on stablecoins
  • Leverage your crypto with Multi HODL
  • Backed by cryptoassets
Risk & Return
Buyback GuaranteeNo
Auto InvestNo
Secondary MarketNo
Min. Investment$50
Loan Originators1
Loan TypeConsumer
Loan Period1 - 6 months
Interest3% - 12.7%
  • No withdrawal fees
  • No loan origination fees
  • 25 supported coins
  • Rollover fee and profit share fee for Multi HODL
  • No publicly available statistics
  • Not your keys, not your coin
_Risk & Return
_Due Diligence

YouHodler Review

Are you thinking about depositing your crypto assets on YouHodler in order to earn interest on your coins? The crypto lending platform promises an annual interest rate of up to 12.7% on stablecoins or 4.8% on your bitcoin. Is the offer from YouHodler too good to be true or is YouHolder a legitimate platform? Find out in our YouHodler review.

youhodler review

⭐ Learn more about our rating criteria

YouHodler News

Last update: 28/04/2021
  • 09/04/2021 - YouHodler reduces conversion fees and Multi HODL fees

📧 Stay up to date with our newsletter

YouHodler in Numbers

When reviewing any crypto lending platform it is important to have a look at their track record to better understand the risk and opportunities of depositing crypto in exchange for interest.

Here is what YouHolder shares with its users.

YouHodler Statistics
Year founded:2018
Investor's earnings:-
Total loan value:-
Number of investors:-
Loss of investors' money:-
Average portfolio size:-
Latest financial report:No report available

While the development of the platform started in 2017, the launch happened in November 2018. Unfortunately YouHodler isn’t revealing any of the important metrics which we tend to look at when reviewing crypto lending platforms.

We have reached out to YouHodler to retrieve some of the data, however, as the company is privately owned, they refused to disclose anything about the number of active users or the total amount of assets under YouHodler’s management, not to mention their financial reports.

This means that you can’t evaluate the track record of YouHodler which means that you have to rely on the promises presented on the website.

Not disclosing important statistics about the platforms operations increases the risk of your investments on the crypto lending platform.

YouHodler Referral Code

If you are one of the cashback bonus hunters, we must disappoint you as YouHodler doesn’t offer any promo or referral codes for new users. On the other hand, the platform offers interesting features and the highest rates amongst companies that offer crypto interest accounts.

While other platforms like Celsius or BlockFi offer a dedicated Celsius referral code or a BlockFi promo code, YouHodler decided to not offer this perk. Learn more about how to get an instant investment boost in our cashback bonus section.

YouHodler Requirements

Registering on YouHodler is very easy. You literally just need your email address to access your account. In order to use it, you will need to verify your identity with your ID and pass the KYC requirements which include the submission of your personal information together with a selfie.

  1. Be over 18 years old
  2. Not reside in the following countries: USA, Afghanistan, Bangladesh, China, Cuba, Germany, Iran, Iraq, North Korea, Pakistan, Sudan, Syria, Crimea

What’s worth mentioning is also the fact that the savings feature on YouHodler isn’t available for Swiss users.

When we chatted with the YouHodler support team, they informed us that currently YouHodler doesn’t have a proper license to run the business in the USA.

While some platforms like Coinloan or Nexo don’t care about the legal restrictions, it is good to hear that YouHodler is aiming to expand into different markets, only with a dedicated license.

Ready to earn interest on your crypto?

Risk and Return

When depositing your money on YouHodler you will be exposing yourself to certain risks. The risk will depend on the products that you will be using.

To better understand YouHodler’s services please refer to our “Usability” section where we explain how they work.

Regardless of which product you choose, you will be exposed to the counterparty risk, which means that as soon as you deposit your crypto on YouHodler, you will lose your utility of the coin in exchange for additional perks such as a loan or interest on your deposits.

You are never able to completely eliminate the counterparty risk, but let’s go over some of the points that will help you to decrease it.

YouHodler stores your crypto on hot and cold wallets. Cold wallets are offered by Ledger Vault, which is the custodian of YouHodler. Ledger offers a crime insurance program which insures your crypto assets for up to $150 M. The insurer is Arch UK Lloyds of London syndicate.

Storing your cryptoassets on a cold wallet is industry standard nowadays as this reduces the risk that you might lose your assets during a hacking attack on YouHodler.

In 2019, hackers exposed personal data, credit card information and even crypto addresses of YouHodler’s users. Source

While YouHodler is a member of the Blockchain Association which acts as a self-regulatory entity within the crypto community, it doesn’t mean that your data is 100% protected at all times.

3FA Security Mode

An additional level of security is offered for users with balances over $10,000. Those users can request to disable all withdrawals options. This feature is very similar to the HODL mode, offered byCelsius Network.

Like most crypto lending and P2P lending platforms, YouHodler also offers a 2FA with SMS or an Authentication App which enhances the security, and limits the risk that your account will be compromised.

What are YouHodler’s rates?

When depositing your valuable cryptoassets, you want to make sure that you also get the highest interest rates, right? YouHodler offers one of the best rates in the industry. The platform supports 25 digital assets at the moment.

Here is a quick overview of the rates for the most popular cryptos:

CoinInterest Rate

What’s likely the best feature of YouHodler is that you don’t need any utility coins like on or Celsius to unlock higher rates. The reward scheme on YouHodler is quite straightforward and the list of supported assets is also very thorough.

youhodler rates

YouHodler doesn’t share much about how they use your deposits, however, by contacting YouHodler, they have confirmed that they use it as “part of their liquidity pool to provide collateralized loans”.

Do you enjoy this review? Show your support and invite us for a coffee ☕

Is YouHodler Safe?

Reading the terms and conditions as well as checking the background of the management are key factors that influence the safety of your assets on a dedicated platform.

Who runs the company?

YouHodler’s CEO and co-founder is Ilya Volkov. According to his LinkedIn profile, he has previous experience in the currency trading business under the Libertex Group in Moscow. In the past Ilya was also working for Eurokommerz which is a factoring company from Russia.

What regulatory requirements should you consider?

YouHodler seems to be self-regulated, following industry’s standards and opinions from various lawyers in Cyprus (C.Samir & Co. LLC).

The platforms’ CEO is also a member of the Crypto Valley association which promotes the adoption of crypto in Switzerland.

In our chat with YouHodler’s support, we learned that the company believes in smart regulation which is why they also collaborate with regulators in Switzerland.

The services, however, still run under the NAUMARD Limited company which is incorporated in Limassol, Cyprus. This company is the legal owner of the YouHodler trademark.

Are there any suspicious terms and conditions?

When reviewing the terms and conditions, you should not only read the website’s terms but also the terms for individual services like loans or savings features. The terms and conditions of individual products are the most confusing documents we got our hands on when reviewing various P2P platforms. If you are not a lawyer you will have a hard time understanding what you are actually signing. The Service Level Agreement is a bit more clear, and gives you a better understanding about the responsibilities of the platform. We do recommend that you read those, especially if you are planning to use the exchange feature on YouHodler.

Curious about what else we look at when conducting our research?

With our ✅ Due Diligence Checklist workbook you will be able to spot red flags 🚩 and protect your investment.


Protect Your Money!

Potential Red Flags

  • The platform doesn’t reveal any statistical data as the company is privately owned
  • Legal agreements are not very comprehensive
Learn more about possible red flags here.

What’s Our Opinion On YouHodler?

YouHodler is a very interesting option to earn interest on your cryptos. The platform is based in Cyprus, with a branch in Switzerland. While the crypto lending space isn’t really regulated in Europe, the platform does spend a lot of resources on operating legally and offers a certain protection for their users.

We have exchanged several messages with YouHodler’s support to find out more about their operations and their answers were more insightful than the ones we received from their competitors, such as Nexo or Coinloan, who offer interest on fiat deposits while not having a banking license.

According to YouHodler, a platform can only offer interest on fiat if they have a banking license. As both Nexo and CoinLoan don’t have even a lending license, it’s tough for us to imagine that their services are legal. YouHodler makes a much more solid impression from a legal standpoint.

YouHodler offers a variety of services. And while the crypto savings account option is likely one of the most user friendly ways to earn interest on your Bitcoin, the remaining services should be used with caution.

The Multi HODL, Loans and Turbocharge features come with additional risks and fees which aren’t always as straightforward. While the potential upside of leveraging your crypto deposits for additional returns is very tempting, it may easily backfire.

If you decide to use some of the additional features, we highly recommend that you study the terms and fully understand what you are doing before it’s too late.

What we appreciate the most about YouHodler is this small detail in their terms and conditions.

youhodler terms

While many platforms become the legal owner of your coins as soon as you deposit your crypto, this isn’t the case with YouHodler. As long as you only use the savings feature, the coins will remain under your ownership.

During our talk with YouHodler, we learned that the platform uses the deposit to fund loans. So you should take the “ownership” of your coins with a grain of salt. Legally, it gives you, however, a slightly better position when depositing your coins vs on other platforms or exchanges.

If you want to be 100% sure about the safety of your coins and you don’t need the 5% interest on your bitcoin, it’s more reliable to store your cryptos on a dedicated hardware wallet like Trezor, which is our favorite choice to keep our digital assets safe.

Ready to protect your crypto?


YouHodler isn’t just a crypto savings account, as the platform offers a variety of additional products and services. Here’s a breakdown of features that you can use on YouHodler.


Exchange is a very important part of YouHodler as the platform doesn’t offer any interest on your fiat currency.

In order to earn interest on your coin, you will need to either deposit your crypto or stablecoins to YouHodler, or transfer fiat to the platform and exchange it for crypto.

As we conduct our YouHodler review, the platform supports the following coins:

Supported CryptosSupported StablecoinsSupported Fiat Currencies

Note that you will only earn interest on your stablecoins or cryptocurrencies.

youhodler exchange

When exchanging currencies, you will need to respect the minimum exchange amount and pay the exchange fee which is typically between 1% and 2%.

Crypto Savings Account

In order to earn interest on your crypto, you only need to deposit your coins to YouHodler’s wallet. You will automatically earn interest on your deposits as long as you don’t use them for other features like the Multi HODL, Turbocharge or Loans.

The interest will be added weekly in the currency which you have deposited.

It’s important to mention that all savings funds are protected by Ledger Vault and insured up to $150M.

Multi HODL

Multi HODL is a unique feature from YouHodler that lets you leverage a part of your deposited funds to potentially increase your profits.

By using Multi HODL you will initiate a chain of loans, meaning you take a loan with your crypto as collateral, buy crypto and repeat this process up to 25 times.

You basically leverage your crypto holdings to potentially increase your profit.

How does it work?

  1. You choose the currency pair
  2. You choose whether you expect the price to go up or down
  3. You choose the source of your deposits and the amount which you would like to allocate to Multi HODL
  4. You choose the “Multiplier” (the higher the multiplier the tighter the margin call)
  5. You define when you want to take profit
  6. You define the maximum potential loss you are willing to take
  7. You accept the terms and start
youhodler multihodl

What’s the catch?

Leveraging your crypto can be tempting, however, if you look at the above screenshot, you will notice that your maximum profit can be $7,478 or alternatively, you can lose $5,000. In addition to that you will be charged a 0.01% per hour on the borrowed amount.

This time based fee for 24h on a $5,000 deposit with a 25 x multiplier is 0.0001 x 124,878 USD x 24h = $299.71

On top of this, you will also be charged a 0.25% profit share feein the case of you making a profit.

If you manage to take the profit from the above mentioned case in 24h, you will pay $299.71 rollover fee and $323.92 profit share fee.

Profit share fee calculation:

  • Initial price: $54,765
  • Closing price: $58,182
  • Profit share fee: 0.25%
  • Total amount: 2.294365 BTC

Profit share fee: (2.294365 x 54,765 x 0.0025 / 2) + (2.294365 x 58,182 x 0.0025 / 2) = 323.92

Calculation Formula

(total amount * initial price * profit share fee% / 2) + (total amount * closing price * profit share fee% / 2)

If your plan works, you will make $7,478 - $299.72 - $323.92 = $6,854.36 (net profit)

Note that if you make a loss, you will still need to pay the rollover fee.

Crypto Loans

If you have read our crypto lending platform comparison, you already know the benefits behind crypto backed loans.

YouHolder offers you to deposit your crypto in exchange for a loan in USD or EUR. The platform offers by default three different deals.

  1. LTV 90% for 30 days
  2. LTV 70% for 60 days
  3. LTV 50% for 180 days

The higher the LTV the less crypto you will need to deposit. With an LTV of 50% you will need to deposit twice the amount of crypto assets from the loan amount that you are planning to borrow.

By selecting one of the deals, you are able to learn more about the loan terms. The “loan fee” varies between 2% and 8%.

In the scenario below, you will get a secured loan of $27,306 and you will need to return $29,490 after 180 days. The loan fee in this scenario is $2,184 for just 6 months.

YouHodler also allows you to request special conditions or even set a close price which will automatically sell a part of your collateral when the price increases, to cover your loan.

youhodler loan


Turbocharge is a feature that allows you to take a loan and deposit it as collateral to take a second loan. This process can be repeated up to 5 times.

youhodler turbocharge

You can also set a closing price, where YouHodler will sell your collateral to repay the loan. By clicking on the “Turbocharge” button you will be able to see the exact payment schedule of your crypto loan.

Note that when leveraging your cryptoassets, you increase the risk that the platform will liquidate your assets when the value of your crypto plummets. Any borrower needs to pay good attention to the Price Down Limits (PDL). If the price of your coin drops, all turbo loans will be sold which means that your collateral will be liquidated.

The minimum loan amount on YouHodler equals 100 USD, 100 EUR or 100 USDT. The turbo loans can be taken out in USD, EUR or USDT.

YouHodler doesn’t support forked currencies

In the case where a fork of your crypto currency is planned, we recommend to withdraw your assets as it’s likely YouHodler won’t support the forked currency which means that you won’t get any rewards.


If you want to withdraw your fiat or coins, you will need to pay a small withdrawal fee. For withdrawals by SEPA transfer you will be charged €5, SWIFT (USD) 5% or min. 70 USD, SWIFT (EUR) €55.

The minimum withdrawal amounts by wire transfer are $500 / €500. The minimum withdrawal amounts in crypto are between $10 and $50 (in crypto equivalent). For stablecoins the minimum withdrawal amount is €5.

Withdrawals of your cryptos should not take more than a few minutes or hours, depending on the cryptocurrency that you are withdrawing.


YouHodler’s support is far better than most of the support options from other crypto lending platforms. The platform has also a dedicated help section where you can learn more about the terms and conditions and how certain products work. We highly recommend checking out the help section to learn more about individual products such as the Multi HODL or Turbocharged loans.

You can contact the support team either through their live chat function or send them an email to

YouHolder Review Summary

YouHodler is an interesting option for users who are looking to earn interest on their coins. The main benefit of YouHodler is that your coins remain yours according to YouHodler’s terms and conditions. The platform offers competitive rates which is one of the main reasons you should consider YouHolder when earning interest on your coins.

Key Takeaways from our YouHodler Review

  • Solid legal setup
  • Competitive rates
  • Helpful support
  • Easy to use platform

If you are looking for a reliable platform to earn interest on your cryptocurrency YouHodler is one of the best options on the market.

Ready to lend your crypto?

Or explore other crypto lending platforms.


How safe is YouHodler?

YouHodler is as safe as some of the leading crypto lending platforms. YouHodler follows strict AML guidelines and offers security features like the 2FA. Your deposits are also insured up to $150 by the Leger Vault technology.

Where is YouHodler based?

YouHodler is operated by Naumard LTD which is based in Cyprus. The company has also a branch in Switzerland to collaborate with the government on a meaningful regulation of the platform.

How do you use YouHodler?

You deposit your fiat or crypto on YouHodler and earn interest on your cryptocurrency. The interest rate is paid out weekly. YouHodler also offers additional features for more advanced crypto holders.

Company Information
Company:Naumard Ltd
Address:Arch Makariou III, 172, Melford Tower, 3027 Limassol, Cyprus
Live Chat:Yes
Opening Hours:Weekdays from 9AM to 5PM
Social Media:Facebook, YouTube, LinkedIn, Twitter