YouHodler Review: Is it Worth it? (2022)

YouHodler Review

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

YouHodler Review: Background

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, 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 Review: Mission

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.

Saving accounts are simply about earning high interest on deposits.

YouHodler Review: 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 over the top 20 cryptocurrencies as collateral for a loan in Euro (EUR) US Dollar (USD), Swiss Franc (CHF), or Great Britain Pound (GBP). 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. There are a handful of crypto lending platforms offering these services but not all of them 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 always 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 the TOP 14 cryptocurrencies as collateral. No fees for crypto deposits or withdrawals.


2. Get a crypto loan and withdraw funds

Your loan approval takes seconds. No need to find a lender like in peer-to-peer (p2p) platforms. You instantly receive cash in EUR, USD, USDT, or BTC.

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.
  • Credit card withdrawal to your MasterCard or VISA.
  • 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, stable coins, or bank account and get your crypto back. You can keep your crypto assets in YouHodler’s wallet and have instant access to 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:

YouHodler Review: Savings

YouHodler has various saving accounts for cryptocurrencies Bitcoin (BTC), Binance Coin (BNB), and stable coins Tether (USDT), TrueUSD (TUSD), Paxos (PAX) and USD Coin (USDC), and many others. Users holding these coins can earn up to 12% per year by simply keeping those coins in their wallet. Compound interest payments are deposited directly into users’ wallets every 7 days.

Compared to other platforms, YouHodler offers some of the highest interest rates on savings accounts (12%), attractive crypto and stable coin options, the ability to customize a savings account plan, and quick and instant withdrawal of savings account earnings to a wallet of your choice. 

Furthermore, all savings funds are protected by Ledger Vault digital asset management system and $150M pooled crime insurance. Also, there is a unique ability to use funds from a savings account as collateral for other lending products (e.g. Multi HODL™). Whereas other platforms have a one-dimensional savings account, YouHodler has unique tools included to help users maximize their interest rates and earn more crypto.


Step 1: Deposit crypto

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 cryptocurrencies or fiat currency. Earn 12% on EUR, earn 12% on USD, earn 12% on GBP. Convert fiat to stable coins in seconds using our partners.


Step 2: Earn interest on crypto

Once the funds are deposited into your Savings Account, the first weekly payment period begins.

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

Important info

  • If you release funds before the end of the weekly period, you will not receive interest earned during the uncompleted week.
  • If additional crypto is deposited within the weekly period, the crypto interest from this deposit will be applied to the next week.
  • After each week is over, crypto interest will be deposited into your Savings Account. Users are free to keep it there to accumulate even more profit


Step 3: Boost your savings and keep your interest

Play with your crypto and find the right balance: take a limited risk VS an asymmetrical high level of potential profit. Try Multi HODL™.

YouHodler Review: Multi HODL™

Multi HODL ™  is an innovative concept based on the Barbell Strategy that helps crypto HODLers multiply their portfolio by investing some amount into a managed risk activities to produce higher yields. This strategy consists of ensuring 80% of your capital is invested in safe, risk-free assets. Meanwhile, the other 20% of the remaining capital is used for limited risk, but potentially highly profitable investments

When a user chooses Multi HODL, the platform automatically takes a pre-determined percentage from a wallet of choice and uses those funds as collateral to initiate an automated “chain of loans” (based on YouHodler’s Turbocharge feature). In this chain of loans, the funds from the first loan are used to buy more crypto to use as collateral for the next loan in the chain. This process is repeated up to ten times depending on the user’s choice.

Users can choose from over 20 cryptos to “multiply” in the process as well as customize their risk level and set the desired “take profit” point to close the position automatically. YouHodler states risk is limited with this feature and users cannot lose more than they set.

MultiHODL gives users the best of both worlds. Crypto traders can keep a large portion of their assets in safe wallets and profitable savings accounts.  Simultaneously, they can use a smaller portion to engage in riskier maneuvers to multiply their crypto via our chain of loans. If the value of their crypto goes up in the process, then the user covers the platform’s interest fee and can keep the additional profit. If the value of the crypto goes down, then the trader can take comfort in the fact that 80% of their assets (plus interest)  are still secure in their savings account.

Step 1: Select a desirable amount of funds from your wallet
All cryptocurrencies and stable coins available. YouHodler guarantees to save the interest for the total amount of your savings.

Step 2: Set profit and risk levels
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 stable coin 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.

Step 3. Get your crypto anytime
Watch your progress and close positions when you want to get profit or get the rest of your crypto back. Your position will be closed automatically after 30 days or in case the price drops below your loss level.

Your risk is limited. You cannot lose more than you set while using Multi HODL™. You will never pay rollover fees, hourly or daily recurring fees. Simply pay the one-time origination fee and loan fee when opening the deal and then if you profit, there will be the one-time 10% commission fee.


Step 4: Repeat
We suggest using around 20% of your savings for Multi HODL™ and 80% for low-risk instruments such as Savings or Crypto loans. Keep your portfolio diversified.

YouHodler Review: Turbocharge

With Turbocharge, you can clone your collateral and benefit in case of further price growth, Turbocharge is based on the "cascade of loans" principle.

1. Transfer crypto to your YouHodler wallet

Your initial amount of crypto will be used as collateral for a first loan.

2. Calculate the turbocharged amount

The platform automatically uses borrowed funds from the first loan to buy more crypto and get another loan. This step is repeated from 3 to 10 times – as many as you’d like.

3. Set your Take Profit price

Sometimes a bullrun it's too fast to take manual action. Once your collateral coin hits the Take Profit price, YouHodler automatically uses the collateral to repay the fees. You get the rest of the crypto back and benefit from the price's growth.

4. Repay or close all loans at anytime

You can repay the full amount and get up to ×6.5 of your collateral for the initial price. Also, you can use collateral to repay the loan and take the rest of your crypto ("Close now" option).

5. Manage your Turbocharge

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

YouHodler Review: 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: 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.


YouHodler Review 2
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About Dalton Rush

Dalton Rush has always been aware of a centuries-old cult's intent to control the majority through centrally controlled global organizations by deceiving the public into accepting their system with the help of multiple made-up crises. This is why he developed a passion for self-education, self-expression, freedom, privacy, and independence, all of which led to the creation of RushRadar.

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