YouHodler

YouHodler Interest Accounts

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Earn between 2.5 - 12.7% APY on 33 cryptocurrencies, with no staking requirements and compounding interest paid weekly. No lock-in or minimum/maximum requirements and interest is earned immediately after deposit. This is a straightforward platform with an easy-to-use interface, offering a variety of savings services and competitive rates. Learn more below.
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8.5/10 (Expert Score)
Product is rated as #4 in category Interest Accounts

Instantly earn an attractive APY of up to 12.7%, without any staking requirement. Whilst these rates are higher than most competitors, they have higher commission rates/fees than some other platforms. Users have approx. 33 cryptocurrencies, tokens and altcoins to earn interest on, which is compounding and paid weekly. As a CeFi platform, this company is regulated and require KYC checks, which infringes on anonymity whilst protecting against fraud. It's clear that YouHodler is a trustworthy company, with headquarters in London and operating in a number of regions. Their support is helpful and responsive, with users able to contact via email/live chat, or browse the extensive FAQ.

Although there is no minimum/maximum duration or lock-ins, their minimum deposits are higher than average. Using their website is straightforward and simple, although we recommend users log out every time, as there is no time-out/automatic log out. This platform also offer an additional "Multi HODL" service, a crypto-backed tool to aid users in capitalising on market volatility. Visit their website to find out more about this service. We believe YouHodler to be a firm contender in the crypto-savings space; with highly competitve rates that make it well worth it for many users.

Supported Currencies
9
Interest Rates
9
Customer Support
8.5
Company Reputation
7.5
Overall Experience
8.5
PROS:
  • Additional "Multi HODL" service
  • Unlimited deposit duration limit
  • Easy to use, intuitive user interface
  • Responsive support with email and live chat
  • Trusted company with headquarters in London
  • Variety of 33 cryptocurrencies to earn interest on
  • No minimum/maximum duration or lock-in terms
  • Competitive starting rates with no staking requirement
  • High standard of security - insured for up to $150M from Ledger Vault partnership and store funds in cold storage
CONS:
  • Limited Fiat options
  • No native staking token
  • Not available in the USA or China
  • KYC checks compromise anonymity
  • No time-out, users remain logged in
  • Higher commission/fees than some competitors
  • Higher minimum withdrawal than average on some currencies
  • High minimum deposits: ETH requires $500, BTC 0.1, etc.

Specification: YouHodler Interest Accounts

Loan Information
Staking
Staking Percentage N/A
Company & Availability
Headquarters Lausanne, Switzerland
Year of origin 2017
Number of users Undisclosed
Insurance Coverage $150M
Previously hacked Data Leak, Yes
Eligible regions , , ,
Excluded regions China, Cuba, Sanctioned countries, South Sudan, United States
KYC
Credit Check No
Savings Information
Supported Fiat Currencies , , ,
Supported Cryptocurrencies , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,
Lockup term N/A
Interest Payments Weekly
Rate Variability Fixed
Compounding Yes
Gas fees Yes
Withdrawal fees 1-50, depending on the network
Cryptocurrency APY Interest
BCH APY 5.5%
BNB APY 3%
BTC APY 4.8%
EOS APY 5%
ETH APY 5.5%
LTC APY 5.5%
PAXG APY 8.2%
XLM APY 4.5%
XRP APY 4.5%
Stablecoin APY Rates
DAI APY 12%
HUSD APY 12%
TUSD APY 12%
USDC APY 12%
USDT APY 12.7%
Asset protection & Insurance
Audited Group-IB
Cold Storage Yes
Company Backing Undisclosed
FDIC insurance No
Insured by Ledger Vault

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