Get VIP Trading Signals 1
Overall Rating
YouHodler Review and Rating 2024

YouHodler Review and Rating 2024

Visit YouHodler

If you're looking for a comprehensive review of YouHodler - a new crypto-asset platform - you've come to the right place. Is YouHodler wallet legit? In this review post, we'll take a look at everything from its features and benefits to how it works and how you can get started. We'll also discuss some of the potential risks and rewards associated with using Youhodler, so you can make an informed decision about whether or not it's the right platform for you. It's going to be an unbiased YouHodler review. AtoZ Markets is in no way responsible for any comments made by the writer.

At its core, it's a platform that allows you to buy and sell crypto-assets using fiat currency. This makes it an ideal choice for investors who are looking to get started in the world of crypto but don't want to deal with the hassle of buying and storing digital tokens.

YouHodler is an online crypto lending platform based in both the EU and Switzerland with two principal office locations situated in Cyprus and Switzerland that offers its customers low rates of interest by lending their crypto as collateral, which can help them save money. YouHodler is a cryptocurrency-backed loan service provider. It was founded on the premise that users can hold their cryptos in down markets, they can sell them when the market is up.

YouHodler exchange allows users to access funds at any time according to the current price of digital assets. Since its beginning the platform has grown rapidly. It has grown into one of the most well-known crypto-banks, offering clients 50 or more of their supported coins that comprise BTC, UNI, ETH, BNB, etc. In addition, there are stable coins like USDC, USDT, TUSD, DAI, PAX, HUSD, and many more. Also, YouHodler offers 5 coins every quarter.

What is YouHodler

The Swiss-based company began as a lending platform that was purely one-dimensional. In the span of just two decades, YouHodler transformed into an ecosystem of full-time operation with an array of cryptocurrency-based financial services. Its primary goal is to platform is designed to let investors make use of cryptocurrency without the need to make a commitment to trading these currencies.

If you're a fan of digital currency and would like to hoard and you earn the return you put into your investment If so, YouHodler could be the solution you're seeking.

In a glance, YouHodler provides the following services:

  • Integration with the growing list of stablecoins and cryptocurrencies
  • Support for conversion of cryptocurrency using fiat
  • The availability of a variety of fiat payment options
  • Exchange fiat for cryptocurrency
  • Possibility to get loans using cryptocurrency as collateral
  • Savings account with high yielding cryptocurrency

All in all, YouHodler is an efficient service that is packed with features that are adaptable for all cryptocurrency investors.

YouHodler Review: Create Wallet

YouHodler offers all of its customers with individual wallets. What is unique about the YouHodler the wallet distinct is that it comes with an array of vital features, like:

Simple withdrawals and deposits procedure.

Easy conversion/exchange (crypto-crypto/crypto-fiat) any of cryptos, stablecoins, and fiat.

Easy monitoring of the transactions history and status.

Utilizing the combination of cold and hot storage to offer top-quality protection for customer funds

All wallet owners are covered from all wallet holders are protected by Blockchain Association.


The wallets will be created when you sign up, confirm your account and then visit the Wallet page on your account. There are three sections, including fiat stablecoins, crypto, and fiat wallets.


To deposit your fiat, crypto or other stable coins, press the deposit/receive button located on the left side of the panel.


You can change the value of fiat or crypto with only one click by clicking on the Exchange button.


To transfer (transfer) crypto or Stablecoins to a different wallet, click the button to withdraw on the panel. To withdraw money you need to make use of an electronic wire transfer from your bank.

Transaction History

You can see all operational statuses as well as the history of transactions by logging into your Transaction History section of your account.

YouHodler Review: Products Offered

YouHodler provides 5 products to its customers. They are Crypto Loans, Exchange, Earn Interest, Multi HODL and Turbocharge. Let's explore all the products in this YouHodler review.

  • Crypto Loans
YouHodler crypto loan

image source: YouHodler

You can use their TOP 50 coins as collateral to get loans against crypto. They give up to 90% of your crypto value. For example, if you have 1 BTC now (16 February 2022), you can get $36912.64 as a loan for 30 days. Loans are given in EUR, USD, CHF, GBP, BTC or Stablecoins. You can withdraw instantly to credit card and personal banks.

Process to Get Crypto Loans:

In the first step, you have to transfer the crypto into Your YouHodler wallet. They accept 50 Cryptos for loan collateral. They don't charge any deposit or withdrawal fees for cryptos.

In their website, you have to utilize their calculator for crypto loans to determine a loan option. The loan approval process is quick. There is no need to locate an institution like on peer-to-peer (p2p) websites. Instantly, you receive money in EUR USD, CHF, USD GBP BTC as well as Stablecoins.

YouHodler functions as a pawn shop. It's a temporary sale of crypto, where you sell the cryptocurrency, and YouHodler will be the one to buy. After a certain time frame, you buy the cryptocurrency back from YouHodler.

You can get your loans by bank wire withdrawals through SEPA as well as SWIFT available worldwide.

They also have the option of withdrawal of credit card funds into your MasterCard and VISA.

You can also purchase any stablecoin or crypto with their integrated crypto exchange.

You can pay off your loan with your cash card or credit card, or banking accounts, and receive your cryptocurrency back. You can save your crypto assets in the YouHodler wallet and gain immediate access to cryptocurrency loans as well as multi HODL.

They have a list of tools to manage your loan in response to market fluctuations:

You can increase LTV and loan value. You can also manage your loan duration and many more.

Set Your Price Down Limit

Another aspect that is a major factor in the loan process can be one called the "Price down Limit". This simply signifies that if the cost of your cryptocurrency asset is below the PDL and you're giving permission to YouHodler to purchase the collateral and end the loan.

Every loan package includes a pre-defined PDL. You also can extend your PDL when you've received the loan. YouHodler will immediately alter the terms of the loan in accordance with this. It is possible that you will need to add additional collateral, however it will permit you to adjust your PDL according to the market conditions.

Closing Your Loan

In the conventional loan market, the financing contract comes to an end only after you have repaid the entire amount. But, YouHodler has come up with three different options for exit that customers might be interested in.

Close Without Repaying

When you use The "Close Now" option that is included with your loan, you're not required to pay the total amount required to end your loan. In fact, YouHodler takes up a portion of the collateral and makes use of it to pay the outstanding balance. You'll receive what's remaining of your collateral in your bank account.

Loan Terms and Amounts

YouHodler offers a variety of packages for loans, which come with defined conditions.

There are three choices for the duration of loans:

30 Days - 90 percent LTV

60 Days - 70 percent LTV

150 days - 50 percent LTV

Your interest rate isn't dependent on how much collateral you provide. It is based on the type of plan that you select.

  • Exchange
YouHodler exchange

image source: YouHodler

With the full collection of crypto conversion tools of YouHodler, you can buy and trade cryptocurrency directly via the site, saving time as well as money and also avoiding the risk of using external exchange platforms.

You can buy or trade cryptocurrency on YouHodler:

They have a Safe Wallet. YouHodler's warm and cold cryptocurrency wallet technology provides the highest level of security, supported by our highly skilled group of programmers. All credit card transactions are performed under PCI Security Standards, all crypto transactions are in line to the Cryptocurrency Security Standard (CCSS). External security audits are conducted regularly.

They support the top 20 coins. You can buy Bitcoin online instantly by clicking an icon. Purchase cryptocurrency, with the top 20 choices including Ethereum (ETH), Ripple (XRP), Chainlink (LINK), Bitcoin Cash (BCH) and many more. Every month, they add new coins.

They also support fiat currency. YouHodler supports US dollar (USD), Euro (EUR), Swiss franc (CHF), British pounds (GBP).

They have clients from over 100 nations who purchase crypto and trade cryptocurrency through YouHodler.

  • Earn Interest in Savings Account
YouHodler earn interest

image source: YouHodler

On YouHodler, you can get paid interest up to 12.3% yearly for Bitcoin (BTC), Pax Gold (PAXG), USD Coin (USDC), True USD (TUSD) and 47 more cryptos. Transform your cold assets into hot cash in a flash by depositing crypto into your crypto savings account and earning regular interest payments.

How to earn interest on cryptocurrency:

To earn interest on crypto, you need to deposit crypto into a crypto interest account of YouHodler.

They give an interest rate on BTC, PAXG, USDC, TUSD, USDT, HUSD, PAX, BNB, HT, XRP, XLM, ETH and other cryptos  deposits. If you don't own such cryptocurrency, you can exchange it into other currencies and fiat money. You can earn 12.3 percent on EUR, USD and GBP by switching fiat currency to stablecoins within seconds on YouHodler.

When the funds have been transferred to your savings crypto account the first week of weekly interest payments starts and you can receive free crypto.

You can check your interest earned in crypto every day by looking at your "Earned" counter on the YouHodler app. After every week, your earned amount will be transferred to your account.

Some Rules for 'Earn Interest'

If you release funds prior to the end of the week period, you won't be able to earn interest during the week that is not completed.

If there is an additional cryptocurrency deposit during the week and the interest earned of this account will carry over to the following week.

When each week has ended the crypto interest will be transferred into your account. You can keep the money in the account to make more profits.

  • Multi HODL
Youhodler review multihodl

image source: YouHodler

Multi HODL is the most user-friendly trading platform for those who are looking to profit out of market fluctuations in two directions quickly and effortlessly.

It has quick and efficient execution. There is no charge for placing orders. Profit share fees are not charged. Quick withdrawals and deposits. Support is available 24/7 online.

There aren't any sales representatives who force you to sell.

No locking of withdrawals.

No strings attached - your profit is your profit. Always.

  • Turbocharge
Youhodler turbochrage

image source: YouHodler

YouHodler provides an Turbocharge service that lets users get a loan chain. The platform utilizes borrowed funds to purchase additional cryptocurrency for free and then use it as collateral for loans that are part of the chain.

The platform will automatically use the money from the initial loan to purchase more crypto , and also to obtain a second loan. The process is repeated between three to fifteen times, as many times as you'd like.

YouHodler Review: NFT

Youhodler Nft

image source: YouHodler

Interestingly, YouHodler has an NFT and they also give loans against NFT. YouHodler Supports NFT drop of Polarrana's new single 'FULL OF YOU'. It's available on OpenSea. It's the first NFT music license in Swiss history.

Get a Loan on YouHodler Using NFTs as Collateral

If you own an NFT and want to use it as collateral for a loan on YouHodler, all you have to do is to email at In the email you need to give all the details of your NFT such as:

As much detail as you can regarding your NFT

Information about the terms of your loan (loan currency or loan term LTV %, etc.).

After looking into your application, they will take the call whether you are eligible for the loan or not.

By the way, YouHodler has an official pawn broker licence from Switzerland.

YouHodler Apps

Youhodler apps

image source: YouHodler

YouHodler has a wallet application that lets users transfer, store, and spend cryptos along with  stablecoins. It also provides crypto rewards, crypto loans that are integrated and the ability to stake. The wallet application is available on the Google Play store as well as the Apple App Store. This allows people to monitor their portfolios of crypto when on the go.

YouHodler Review: Pros and Cons

Is YouHodler a good wallet? Let's see the pros and cons of their service.

  • Pros

- YouHodler provides users with a seamless experience when it comes to depositing and withdrawing cryptocurrencies.

- Users can deposit and withdraw Bitcoin, Ethereum, Litecoin, Bitcoin Cash, Dash, Stellar, and Tether.

- YouHodler offers low interest rates on loans backed by cryptocurrency collateral.

- Users can borrow up to $50,000 with no credit check required.

 YouHodler is the only platform that allows users to use their staked tokens as collateral for loans.

- YouHodler has a user-friendly interface that makes it easy for anyone to use.

 - The team at YouHodler is very helpful and friendly.

 - YouHodler is backed by a team of experienced professionals who are passionate about blockchain technology.

 - The team at YouHodler has created an innovative product that is filling a need in the market for people looking to use their cryptocurrency as collateral for loans without having to sell it first.

- Their loan amount starts from only $100

- They have High Loan-to-Value Ratio up to 90% based on your plan.

- They have 24/7 customer support.

  • Cons

Youhodler is a crypto loan service that has gained a lot of traction in the past year. However, there are some disadvantages to using Youhodler:

- The interest rates Youhodler charges are relatively high compared to other services.

- There have been reports of users not being able to get their money out of YouHodler which can be very frustrating.

- It is not a financial institution

- YouHodler doesn't accept customers from the USA.

YouHodler Review: Customer Support

You can always text them at for you queries.

Alternatively, you can contact them on chat on the platform apps They don't have any phone number to get support.

Is YouHodler a safe Wallet?

Is YouHodler a safe wallet? They offer a wide variety of services to help you keep your cryptocurrency safe and secure. Their team consists of experts in the field who are dedicated to ensuring that your funds are always protected. They offer a variety of security features, including:

Multi-signature wallets

-Two-factor authentication

-A secure login process

-Regular malware scans

YouHodler has legal foundations. It is in compliance in accordance with EU law and has a wide range of legal obligations that it must comply with. Every loan that is taken through the platform creates an official binding contract that is valid under EU law.

YouHodler is also aware It is also an "active participant in the Blockchain Association of Financial Commission as well as also the Crypto Valley Association".

Customers are also protected through the independent Financial Commission's effective dispute resolution procedure. If you are in dispute with the business and you wish to resolve the issue, you can make complaints in the Commission.

YouHodler gets the benefit of Ledger Vault's customized pooled criminal insurance program, which insures crypto assets with a maximum value of $150 million, supervised by the highly regarded Arch UK Lloyds of London syndicate. The insurance is designed to cover a range of dangers, including the possibility of theft of employees due to the collusion of third parties and theft of master seed and private keys when there is physical breach to the security of hardware.


There are many advantages to using the Youhodler wallet. The main one is that it's free, which means there won't be any fees associated with your transactions or withdrawals. In addition, they offer a wide range of services including buying and selling digital assets like Bitcoin Litecoin Ethereum Dash Monero Dogecoin Ripple Stellar Lumens Augur REP Cardano IOTA EOS NEO OmiseGo and more.

You should always be careful when choosing a wallet and do your research before deciding which one is right for you. The Youhodler wallet is a great option for those who want ease of use and quick access to their funds, but it may not be the best choice for those who are looking for maximum security. Ultimately, it's up to you to decide what features are most important when choosing a wallet.

You can also use this service as an online banking account if you want! There are no monthly fees associated with using their services either which makes it even better for those who don't have access to traditional financial institutions like banks (i.e., people living outside the U.S.). Withdrawing funds has never been easier thanks to the many different options available here including PayPal transfers or direct bank deposits into your local currency accounts around the globe right away within one day!


Products and Features
User Interface (UI)
Regulation and Fund Security
Deposits and Withdrawals
Customer Support

Products and Features


User Interface (UI)








Deposits and Withdrawals


Customer Support



Reviewed By

Our exchange review methodology

Our mission is to provide online investors with the most unbiased, comprehensive reviews and ratings of self-directed brokers. Vetted by multiple industry experts - including a financial research firm with more than 20 years of experience in broker ratings - Our Exchange Ratings and Reviews embody industry best practices for research design.

See how we conduct exchange reviews