YouHodler Review 2026 | YouHodler Rates

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Score3.9

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YouHodler is not available in the United States. Find US platforms.

YouHodler Snapshot

Verified: September 27, 2026

YouHodler offers a flexible Yield Account that allows users to earn interest on select cryptocurrencies and stablecoins without lockups.

Pros

Compounding interest
No lockups
Wide coin support

Cons

Improved rates require minimum trading volumes
No signup bonus

YouHodler Rates

Earn Rates

Review Yield data below to understand the source of these returns. Click plus to reveal more rate-specific requirements.

USDC USD Coin: Lending12% APY
USDT Tether: Lending12% APY
DAI Dai: Lending20% APY
PYUSD PayPal USD: LendingShow rate requirements
Silver, Gold and above require minimum monthly trading volume.
6% APY
EURC Euro Coin: LendingShow rate requirements
Silver, Gold and above require minimum monthly trading volume.
6% APY
BTC Bitcoin: Lending7% APY
ETH Ethereum: Lending11% APY

SOL Solana: Lending11% APY
XRP Ripple: Lending11% APY
LTC Litecoin: Lending16% APY
DOGE Dogecoin: Lending11% APY
TON Toncoin: Lending20% APY
ATOM Cosmos: Lending16% APY
AVAX Avalanche: Lending16% APY
DOT Polkadot: Lending16% APY
INJ Injective: Lending16% APY
NEAR NEAR Protocol: Lending16% APY
ADA Cardano: Lending11% APY
BNB BNB: Lending11% APY
FIL Filecoin: Lending11% APY
LINK Chainlink: Lending11% APY
TRX TRON: Lending11% APY
VET VeChain: Lending4% APY

Loan Rates

APR Interest Rate: Variable daily fee
LTV Loan-to-Value: 90%
Assets Collateral: BTC, ETH, stablecoins, and 50+ supported crypto assets

Data checked: September 27, 2026YouHodler loan terms

YouHodler Calculator

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Estimates are based on YouHodler current APY. Rates are subject to change.

YouHodler Yield Scorecard

Yield Mechanics

Lending: Internal Lending Business
Customer yield is funded by interest paid on loans originated or managed by the platform’s internal lending business.
Trading: Trading Strategies

Risk & Custody

Custody Model: Custodial / Third Party
Track Record: Operational since 2018

Access

Lockups: None
Access: Not available in the US or other restricted jurisdictions

Yield methods listed are based on best known platform data. Please note that a single platform may utilize different methods depending on the specific asset, product, or jurisdiction. Platforms may also update their yield strategies at any time.

YouHodler Review

YouHodler offers a crypto yield (earn) program for 30+ coins, including Bitcoin (BTC), Ripple (XRP), Binance Coin (BNB), Cardano (ADA) and a variety of stablecoins like Tether (USDT), TrueUSD (TUSD), and Circle (USDC).

YouHodler crypto-backed loans

YouHodler offers crypto-backed loans with cash-to-value of up to 90%. Borrowers can pledge Bitcoin, Ethereum, stablecoins, and more than 50 other supported digital assets, then receive USD, EUR, GBP, CHF, BTC, or supported stablecoins.

Borrowing cost: a variable daily fee shown in the loan form for the selected plan; YouHodler does not publish one platform-wide APR.
Maximum LTV: up to 90%, depending on the selected collateral and plan.
Additional feature fees: 1% of the overdraft amount for Close Now and 1.5% of the relevant amount for Extend PDL or Increase LTV.
Availability: YouHodler is not available in the United States or other restricted jurisdictions.

YouHodler FAQ

Is YouHodler available in the USA?

No, YouHodler is not available in the USA.

Does YouHodler pay compound yield?

Yes, YouHodler pays compound yield.

How often do you receive payouts?

Weekly

Does YouHodler require a lockup period?

No, YouHodler does not require a lockup period. You can withdraw your funds at any time.

Does YouHodler pay interest on Bitcoin?

Yes, YouHodler pays 7% APY on Bitcoin.

Does YouHodler pay interest on Ethereum?

Yes, YouHodler pays 11% APY on Ethereum.

Does YouHodler pay rewards on USDC?

Yes, YouHodler pays 12% APY on USD Coin (USDC).

Does YouHodler pay rewards on USDT?

Yes, YouHodler pays 12% APY on Tether (USDT).

Does YouHodler pay rewards on DAI?

Yes, YouHodler pays 20% APY on Dai (DAI).

Does YouHodler pay rewards on PYUSD?

Yes, YouHodler pays 6% APY on PayPal USD (PYUSD).

Does YouHodler pay rewards on EURC?

Yes, YouHodler pays 6% APY on Euro Coin (EURC).

Does YouHodler pay interest on Solana?

Yes, YouHodler pays 11% APY on Solana (SOL).

Does YouHodler pay interest on XRP?

Yes, YouHodler pays 11% APY on XRP (Ripple).

Does YouHodler pay interest on Dogecoin?

Yes, YouHodler pays 11% APY on Dogecoin.

What are YouHodler's withdrawal fees?

YouHodler lists withdrawal or platform fees, but the exact amount can vary by asset, network, product, or transaction type. Check YouHodler's current fee schedule before withdrawing or trading.

Does YouHodler offer crypto loans?

Yes, YouHodler offers crypto loans starting at Variable daily fee APR with up to 90% LTV.

When was YouHodler founded?

YouHodler was founded in 2018.

Where is YouHodler headquartered?

YouHodler is headquartered in Switzerland, Cyprus.

Where is YouHodler available?

Not available in the US or other restricted jurisdictions