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YouHodler Review: The Best Way to Hodl?

YouHodler is a centralized, multi-purpose cryptocurrency lending platform based out of Switzerland. They have become increasingly popular with crypto users over the years. Whether you are shopping around for your first lending platform or browsing alternatives to one you already use, our Review will help you decide whether it is right for you.

YouHodler Overview

YouHodler Logo


  • Built-in Exchange
  • Up to 90% Loan-to-value ratio
  • Low loan minimum
  • Good variety of investment options
  • Mobile App for iOs and Android
Minimum Loan Amount $100
Maximum Loan Amount No maximum loan amount


  • Built-in exchange

  • Up to 90% Loan-to-value ratio

  • Low loan minimum

  • Good variety of investment options

  • Mobile App for iOs and Android


  • No proprietary crypto credit card

  • High loan-to-value ratio can be risky

  • Losses are possible as with any investment

YouHodler Overview

Onboarding their first customer in 2018, YouHodler offers users a variety of methods in which to earn interest on their digital assets, take out loans, and increase their holdings.

Their most popular products are their Savings Accounts and MultiHODL, both of which are praised for their ease of use and success in generating positive gains for users.

Below we have outlined some of the main features of YouHodler’s lending platform. It should be noted that all of these features are available on all web browsers, such as Brave, and their mobile app for iOS and Android.

Savings Accounts

YouHodler offers a very popular and powerful savings account option where users can earn up to 12% interest on stablecoins, such as Tether and DAI, and fiat currencies like the USD and GBP, while you can earn up to 8.6% on crypto. Their rate for Bitcoin is higher than all competitors except for Blockfi, but the difference is that they pay you out in BTC whereas Blockfi pays out in USD. This means that you have the potential to earn a lot more because the value of Bitcoin is likely to rise whereas fiat currency value is essentially set.

Your YouHodler Savings Account is also backed by a $150 million pooled crime insurance provided through Ledger Vault, so if you there is a successful hack on the platform, there is coverage for your losses.

Payments are deposited into your account weekly allowing you to earn compound interest. Any additional crypto you choose to add to the account will begin having interest applied to it the next week. You can even use your savings funds as collateral for their lending products.

Multi HODL

Multi HODL is YouHodler’s version of margin trading and one of their most popular features. It allows you to make profit by anticipating both positive and negative market movements and can multiply your crypto up to 30x. Multi HODL combines the best features of crypto exchanges and Contract for Differences (CFDs).

Multi HODL is available for all supported cryptocurrencies and stablecoins. You simply select your preferred “take profit” amount and your acceptable level of risk. Positions are closed automatically after 10 days to mitigate risk and Multi HODL has no rollover fees or daily fees, so you can only lose the amount you initially set as the most you would lose.

In addition, YouHodler offers something through their Multi HODL product that no other lending platform we have reviewed does: lock trading. Lock trading means you can hedge your bets and set a position at both ends, so if there is an event like Black Thursday, your net loss would be zero. This benefits both users and YouHodler because they take 1% of your profit, by reducing your chances of losing money, they increase their own profits.

Crypto Loans

YouHodler offers instant, flexible crypto loans. Users can use any coins in the top 20 and instantly receive a loan in Euros, USD, CHF, and GBP, which can be withdrawn to a credit card or personal bank account. They offer up to 90% Loan-to-Value (LTV) ratio, but also have options for 70% and the more typical 50%. A 90% LTV is the riskiest loan, but you receive the most for your collateral. Each LTV comes with a loan duration, the higher the LTV the less time you have to pay it back, so if you are worried about being able to recoup the loan within the timeframe then you should choose a less risky ratio.

A main benefit to YouHodler’s loans compared to their competitors in once again that you can receive it in BTC rather than solely in fiat currencies.

Much like their Savings Account, their crypto loan feature is also backed by the $150 million Ledger Vault crime insurance.

Fiat & Crypto Exchange

YouHodler provides a fully functional fiat and crypto exchange on their website and mobile app. They allow exchange of any cryptocurrency and provide users with wallets for their various digital funds. This is an extremely convenient option for a lending platform because it means you can exchange an asset for another which you would like to earn interest on or take collateral against and then immediately use it in the same place.

You can purchase any top 20 crypto assets via credit card through their partnership with Changelly. While this is instant and convenient the fees for purchasing crypto with a credit card are extremely high even with the best rates.


Turbocharge is YouHodler’s most risky but potentially most profitable feature. You can clone your crypto collateral up to 6.5x with a 90% LTV for a fixed fee with no rollover. You then set the take profit price. Essentially you can gamble with up to 6.5x the number of loans and create a cascade of loans in order to try and generate the most profit.

This is a feature not to be messed around with by beginners, as it is extremely risky. Of course, if you are correct in your prediction the payout is incredible, but there are no guarantees in the volatile world of crypto.

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About the Author

Evan Jones

Evan Jones was introduced to cryptocurrency by fellow CryptoVantage contributor Keegan Francis in 2017 and was immediately intrigued by the use cases of many Ethereum-based cryptos. He bought his first hardware wallet shortly thereafter. He has a keen and vested interest in cryptos involving decentralized backend exchanges, payment processing, and power-sharing.

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