YouHodler Review: Is It Worth It?

YouHodler Review

In this YouHodler Review, we will be looking into all of YouHodler's features and figure out whether or not this is a good option for you to grow your cryptocurrency assets.

YouHodler Review

Background And History

The YouHodler Fintech platform is focused on crypto-backed lending with fiat (USD, EUR, CHF, GBP), crypto (BTC) and stable coin loans (USDT, USDC, TUSD, PAX, PAXG, DAI, HUSD), crypto/fiat, and crypto/crypto conversions, as well as high-yield crypto-saving accounts (crypto-rewards & staking). The platform supports BTC, BCH, BNB, ETH, LTC, XLM, XRP, DASH, HT, REP, and other popular cryptocurrencies and tokens. User's digital assets are safely guarded with Ledger Vault's advanced custody and security options.

YouHodler is an EU and Swiss-based brand with two main offices in Cyprus and Switzerland. To learn more about YouHodler Switzerland visit

YouHodler is an active member of the Blockchain Association of Financial Commission and the Crypto Valley Association. Customers are protected by the independent Financial Commission’s efficient dispute resolution process.

The YouHodler Team has strong and unique expertise in Commercial Finance and FX/CFD trading; the creation of e-commerce and e-learning platforms, and Blockchain, and Distributed Ledger Technology. The team combines the wisdom and practices from the world of traditional finance with the start-up spirit of the Digital industry.


YouHodler creates its features in order to unlock the value of crypto assets:

Crypto-backed loans help one get cash for regular needs and keep hodling at the same time. As for spending crypto assets, today prevents cryptocurrency holders from gaining from any future growth in asset value, investors who buy low need to hold onto their assets in order to benefit from selling high.

Integration of all payment solutions – stable coins, bank wires, credit cards – opens up connections to the real world and enables usage of crypto to “buy groceries, book flights, and pay bills”.

Trading solutions help users to play with their assets and multiply them.

Web and mobile wallets are a safe and easy-to-use alternative to senseless crypto wallets.

Crypto-Saving accounts are simply about earning a high interest on your cryptos.


On YouHodler you can exchange cryptocurrency, fiat, and stablecoins with real-time execution prices and low fees. Buy crypto with a credit card, (Visa, Mastercard) or your SEPA bank account.

With YouHodler’s full range of crypto conversion tools, you can buy and exchange cryptocurrency right on the platform, saving you time, and money, and avoiding risk on external crypto exchange platforms.

Some of the main features include:

  • Secure wallets: YouHodler’s cold and hot crypto wallet technology offers top-of-the-line security backed by YouHodler's talented team of developers. All credit card operations are under PCI Security Standards, and all crypto operations – are in accordance with Cryptocurrency Security Standard (CCSS). YouHodler runs external security audits on a regular basis.
  • Top 20 coin support: Buy Bitcoin online instantly with a click of a button. Buy cryptocurrency including the top 20 options like Ethereum (ETH), Ripple (XRP), Chainlink (LINK), Bitcoin Cash (BCH), and more. New coins are added every month.
  • FIAT currency support: US dollar (USD), Euro (EUR), Swiss franc (CHF), British pounds (GBP).
  • A worldwide community: Clients from over 100 countries go to YouHodler to buy crypto and exchange cryptocurrency right on the platform.

Crypto Loan

A crypto-backed loan is a process of using cryptocurrency as collateral for a loan in a different currency. In YouHodler’s case, you can choose from more than 50 TOP coins as collateral for crypto loans with the highest loan-to-value ratio (90%). Get loans in EUR, USD, CHF, GBP, or even stablecoins or crypto and withdraw instantly to credit cards, banks, or exchanges. Perhaps the most obvious benefit of crypto lending is that users can get instant access to fiat currency without having to sell their favorite crypto assets. This way, no one has to stress about missing out on a future bull run since when they pay the loan back, they get their crypto back.

In addition, there are more creative ways to use crypto loans for example, as a method to access new capital for investments, for hedging or leveraging on the crypto market, and much more. A handful of crypto lending platforms offer these services, but not all are created equal.

Compared to other crypto lending platforms YouHodler has a wide selection of some of the most popular crypto collateral options. YouHodler regularly adds more coins based on client demand and they are continually improving the platform in this regard. In terms of a loan-to-value ratio, YouHodler lets users get more value for their collateral than competing lending platforms. Users can get an industry-best 90% loan to value ratio on YouHodler followed by instant credit card and bank withdrawals for ultimate convenience. 

Unlike other person-to-person (p2p) lending platforms, there is no need to find a lender. The instant cash comes from YouHodler’s own fiat funds and it includes a proven custodial solution with security funds protected by Ledger Vault digital asset management system and $150M pooled crime insurance. Lastly, YouHodler has a flexible repayment date and LTV options for those that want to customize their loans as well as a one-time loan fee that is repaid at the end of the loan term. No hidden rollover fees or daily recurring fees.

1. Transfer crypto to your YouHodler wallet

YouHodler accepts more than 50 cryptocurrencies as collateral. No fees for crypto deposits or withdrawals.

2. Get a crypto loan and withdraw funds

Use YouHodler's crypto loan calculator to choose loan settings. Your loan approves instantly. No need to find a lender like in peer-to-peer (p2p) platforms. You instantly receive cash in EUR, USD, CHF, GBP or stablecoins, or popular cryptocurrencies.

YouHodler works like a pawnshop. There is a temporary sale of cryptocurrency, where YOU are the seller and YouHodler is the buyer. Following a predefined period of time, you repurchase the cryptocurrency from YouHodler.

YouHodler's cash withdrawal options:

  • Bank wire withdrawal via SEPA and SWIFT. Available worldwide.
  • Crypto withdrawal: buy any crypto or stablecoins using the integrated crypto exchange.

3. Get your crypto collateral back anytime

You can repay your loan using a credit card, stablecoins, or bank account and get your crypto back. You can keep your crypto assets in YouHodler’s wallet and instantly access crypto loans and Multi HODL™.

4. Manage your loan

Use the list of advanced features to manage your loan conditions and react to the market’s movements:

Earn Free Crypto

WithYouHodler you can earn interest on Bitcoin (BTC), Pax Gold (PAXG), USD Coin (USDC), True USD (TUSD), and more, turning your hard assets into hot profit instantly by depositing crypto in your crypto savings account and getting weekly interest payments.

YouHodler pays interest on BTC, PAXG, USDC, TUSD, USDT, HUSD, PAX, BNB, HT, XRP, XLM, and ETH deposits. If you don't have such crypto you can convert it from other cryptocurrency or fiat currency. Earn 8.32% on EUR, earn 8.32% on USD, and earn 8.32% on GBP by converting fiat to stablecoins in seconds using the platform.

Once the funds are deposited into your crypto savings account, the first weekly payment period begins and you earn free crypto.

Monitor your crypto interest earnings on a daily basis by checking the "Earned" counter. At the end of each week, the earned amount will be deposited into your account.

Finally, you can play with your free cryptocurrency from your crypto savings account and find the right balance: take a limited risk VS an asymmetrical high level of potential profit

Multi HODL™

Multi HODL is the most user-friendly trading service for those who want to extract profit from market volatility in both directions (UP or DOWN) quickly and easily. Fast and real execution.

No order placements fee. No profit share fee. Instant withdrawal and deposit. Online support 24/7.

Multi HODL combines the best of both crypto exchanges and traditional trading platforms into one with a simple and intuitive interface, convenient trade management, and decent multiplier.

All major cryptocurrencies and stablecoins are available and you just need to choose the one you'll be using.

After this, you should pick a desired “take profit” amount and an acceptable level of risk. Also, choose the crypto you want to use as a multiplication tool if you use Multi HODL for your stablecoin savings.

YouHodler initiates an automated chain of loans similar to Turbocharge. In the case of crypto price growth, the value of your coin will multiply and the profit will go directly to your account.

In the case of a decline in prices, you will get your initial deposit back minus the factual loss. You can then get your crypto at any time while you watch your progress and close positions when you want to take a profit or get the rest of your crypto back. Your position will be closed automatically in case the price drops below your loss level.

Your risk is limited. You cannot lose more than you set while using Multi HODL. (e.g. If you deposit $100, the max. you can lose is $100). You will never pay hidden fees. Simply pay hourly fees during the duration of the loan.

It is suggested to use around 20% of your savings for Multi HODL and 80% for low-risk instruments such as Savings or Crypto loans. Also, remember to always keep your portfolio diversified.

Dual Asset

Dual Asset combines the yield generation strategies from decentralized finance (DeFi) with the simplicity of traditional FinTech platforms. The result is an easy-to-use crypto wealth management product for everybody with returns as high as 365% APR.

Savings Account

This is the conservative part of your portfolio. It is recommended to allocate 70 - 80% of your money to cryptocurrency and stablecoin savings accounts.

Dual Asset

You can generate additional profit from your crypto with Dual and extend your Yield Limit up to $300,000. Each order increases your Limit at the beginning of the stake and at the end.

When using Dual Asset you can choose a trading pair from all major cryptocurrencies which are available (e.g. BTC/USDT).

You then choose an input coin - cryptocurrency or stablecoins - depending on your wallet balance.

Then choose a staking plan, depending on your strategy - from one to five days.

Let’s say you chose the 1-day BTC/USDT staking plan with a 365% APR. In the next 24 hours, you get your BTC or USDT back depending on the market price. If the Bitcoin price is less than it was when you opened your position, you get your payout in BTC plus a 365% APR on your payment.

If the Bitcoin price is the same or higher than when you opened your position, you get back your USDT plus the 365% calculated for one day. Regardless of market volatility, you earn a payout in Tether or Bitcoin. Therefore, it’s a win-win solution.

YouHodler Pros & Cons

YouHodler: Pros

  • Many features
  • High-interest rates
  • Instant credit card and bank withdrawals
  • Loans start at $100
  • Instant loans
  • $150 million pooled crime insurance from Ledger Vault
  • Good customer support

YouHodler: Cons

  • Not available in the United States and China
  • Fees could be lower
  • Doesn't have an insured custodian for user funds
  • Small self-established insurance fund

YouHodler Review: Verdict

YouHodler offers an incredible set of features when compared to other alternatives, this is undoubtedly one of its greatest strengths.

The app is also very user-friendly and one of the best in the industry, the customer support is very helpful and they will usually address your query fast.

One of YouHodler's major drawbacks is the fact that it's still not available in China and the United States.

Also, fees are a bit higher than other platforms, it doesn't have an insured custodian for user funds, and the self-established fund is relatively small.

All-in-all, YouHodler is a solid platform and seems to have a very promising future ahead, we believe it will keep improving its services and work on its downsides.


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I'm a filmmaker with extensive training in multiple sectors of content creation whose films have been shown all over the world. I have also served as a speaker and jury member in multiple events. Nonetheless, in recent years, I became extremely disappointed with the course of the art world in general, and as consequence, I've developed an interest in topics I believed would become crucial for the future, namely, cybersecurity, self-education, web design, and investing in various assets, such as cryptocurrencies. All those events have driven me to launch RushRadar.