YouHodler Reviews 2025: Fees, Features, Safety, Pros & Cons

The value of cryptocurrencies is highly unpredictable. Either you have to get skilled at trading cryptocurrencies to turn a profit, or you can just hold them and hope their value goes up. However, because of their inherent volatility, neither strategy is simple to implement. That’s why many investors make use of crypto loans.

What if you could put your cryptocurrency in a bank and earn interest on it? This way, you’ll still be able to turn a profit even if the price rises slightly or doesn’t change at all. This is what the YouHodler service entails. It offers a competitive return rate on your crypto savings. 

Youhodler can also assist you with getting a loan backed by cryptocurrency if that is what you are looking for, considering that the company lends out its crypto in exchange for deposits. So, let’s test this platform out and see if it really does work. The YouHodler review is next on!

About YouHodler

Switzerland-based YouHodler facilitates streamlined cryptocurrency financing. The platform provides the opportunity for low-interest loans secured by the crypto holdings, thus saving money for cryptocurrency investors.

As a provider of crypto loan services, YouHodler believes that virtual currency holders would be better off HOLDING their assets throughout market downturns and selling during uptrends.

Originally, YouHodler was supposed to be a simple marketplace for making cryptocurrency loans. However, two years after its launch, it has already matured into a fully functional ecosystem that offers a range of crypto-fiat financial services. As of recently, YouHodler has become an exchange that allows its users to instantly borrow fiat dollars based on the value of their digital currencies.

This transformation took place far more quickly than anticipated because the platform enabled cryptocurrency holders to profit from price increases and decreases without engaging in actual trading. 

YouHodler automatically credits users’ accounts with compound interest every week. If users choose not to withdraw their interest, they can make a greater profit. The calculation of the additional interest usually takes place every six hours.

By supporting more than 50 cryptocurrencies, including Bitcoin (BTC), YouHodler has established itself as one of the most prominent crypto banks.  

Additionally, this platform is recognized as a centralized financial service, and its user base comprises individuals from 180 different nations. 

YouHodler Features

The YouHodler platform provides a convenient and straightforward user experience. This platform lets you learn everything you need about buying, selling, and holding cryptocurrencies. Moreover, you will also be able to maximize the value of your cryptocurrency holdings with ease.

Crypto-Loan Services

You can get a crypto loan without selling your coins by using YouHodler’s crypto loan solutions. The process of securing loans backed by cryptocurrency collateral is one technique to achieve this goal.

Similarly to margin trading tools, the MultiHODL loan instrument and Turbocharge Loans allow users to rapidly multiply a selected crypto asset by making use of borrowed funds.

YouHodler supports up to 90%loan-to-value ratio, which is much more than you’d get from the vast majority of cryptocurrency lenders. Whether you borrow in Bitcoin or fiat currency, you can make a fast transfer to your credit card or bank account.

You’ll get your collateral once the loan has been repaid in full. There are three additional options to close out your loan: 

• YouHodler will use your secured assets to pay off the loan, and the remaining funds (if any) will go to you. 
• Next, you have the option to extend the length of your loan for a small fee when your current one is about to expire. This is more similar to rolling into a new loan than paying off the existing loan. The terms of the prior loan will apply to the new loan as well.
• Also, you are free to leave the loan arrangement and walk away if your loan-to-value (LTV) is less than 90% of the total loan amount. However, this way, you get 85% of the value of your collateral.

It is important to keep in mind that you’ll incur a small fee for choosing the Close Now or the Reopen option. 

The Loan Terms

There are three distinct loan terms available, and your choice will depend on how long you need the money for:

• 90% of the LTV after 30 days;
• 70% of the LTV after 60 days;
• 50% of the LTC after 180 days.

Price Down Limit (PDL) Feature

There is always a chance that the crypto market will go in the wrong direction, which could put an open loan at risk. That’s why YouHodler has developed a feature called “PDL Extend” – PDL stands for Price Down Limit – that helps you secure the loan.

With the help of this financial instrument, the platform evaluates the current market scenario and, if appropriate, gives you the option to increase the amount of crypto offered as collateral in order to adjust the PDL of the loan. If your loan tariff permits an extension and the market is favorable, you will see an Extend PDL button next to your loan.

You always have the option to keep the loan open by making additional cryptocurrency deposits if the value of your collateral is getting close to the PDL as a result of a reduction in the price of your target cryptocurrency.

The Multi-HODL Feature

YouHodler provides a margin trading solution called Multi HODL, which allows you to multiply your trading power by up to 30 times while your leveraged cryptocurrency can continue to earn interest.

Margin trading always carries a potential risk. In the worst possible scenario, traders end up losing much more money than they started with. To our great relief, this is impossible with YouHodler, because the maximum amount of cryptocurrency that you can lose with a Multi HODL investment is the total amount you’ve invested before the margin.

Savings Accounts

YouHodler provides its users with the ability to start savings accounts, which can result in profitable returns and give users access to a source of passive investment income. Like a traditional savings account, this one accrues interest on the money you deposit.

To this end, you can deposit your cryptocurrency holdings instead of traditional currencies such as US dollars through this platform. 

How Can You Get a Loan Through YouHodler?

YouHodler crypto loans offer an entry point into the cryptocurrency market that is both straightforward and adaptable by securing your crypto assets with fiat currency. YouHodler accepts almost fifty different coins as collateral.

An instant conversion to the user’s preferred fiat currency (EUR, GBP, or USD) occurs once the loan amount has been agreed upon. A loan in the form of Bitcoin or a stablecoin is also an option.

Within minutes of applying, you’ll find out if you’ve been approved for a loan and receive funds in EUR, USD, USDT, or BTC. Your money can be withdrawn via SEPA/SWIFT, credit card, or crypto/stablecoin. This way, you can get paid promptly, and YouHodler won’t even have to touch your cryptocurrency holdings, which removes a lot of the investment choices risk.

The subsequent action is to set up an account and add additional cryptocurrency to the wallet. You have the ability to make a loan request, and before doing so, you are required to investigate all of the possible loan terms and conditions, including loan length, extended loan period, price-down limits, and the loan-to-value ratio. 

After selecting the loan you want to apply for and pressing the button, the application is processed and authorized almost instantly.

Profiting From Cryptocurrency Interest Rates

When it comes to investing in cryptocurrencies, the only way to make a profit is if the coin you possess increases in value. However, you will need to sell your cryptocurrency holdings to realize that gain.

That is to say, you can’t simply buy a cryptocurrency and save it in a wallet for the future. If you want that, you need an exchange that pays interest on your investment.

You can accomplish this with YouHodler by granting them permission to lend out some of your cryptocurrency to other investors for a certain period of time and make anything from 3% to over 15% in profit. The interest is compounded once every week, and the account must have at least $100 in it in order to receive any money.

YouHodler Wallet

Any company that extends financial assistance in the form of cryptocurrencies should place a major degree of importance on the protection of the lender’s cryptocurrency holdings.

The YouHodler crypto wallet is one of the services provided by the site that is regarded as one of the most user-friendly and secure wallets. The wallet allows you to exchange and store fiat or cryptocurrency without worrying about their safety.

Through the crypto-to-fiat wallet provided by YouHodler, you can effortlessly manage your own assets, apply for loans, and open cryptocurrency savings accounts.

YouHodler Fees

Depending on the situation, crypto loans can incur the following fees:

• A fee to close the account immediately: 1% of the overdraft amount;
• An interest charge and a 1% service fee (from the borrowed amount) to reopen the account;
• 1.5% of the new collateral will be added to the PDL;
• The LTV will grow by 1.5% following the increase. 

Customer Service

YouHodler offers help through both chat and email for its users. There is also a detailed Help Section with tutorials and frequently asked questions.

Is YouHolder Safe?

YouHodler is not a firm headquartered in the United States and does not comply with legislation from that country. This means that deposits are not insured by the FDIC. YouHodler does, however, make use of Ledger Wallet, which offers $150 million in pooled financial coverage against criminal acts.

When it comes to security mechanisms, YouHodler obliges users to activate two-factor authentication (2FA), which adds an extra layer of defense against potential threats. You’ll be given the option to get the login code via text message (SMS) or via an authenticator app.

Pros and Cons

In a nutshell, the following are the advantages and disadvantages of using YouHodler:

Pros

• Offers margin trading service;
• Competitive interest rates;
• Weekly interest payments;
• User-friendly and intuitive interface;
• Includes both fiat and cryptocurrency exchanges and conversions;
• Provides flexible alternatives for the repayment of loans;
• Over 20 different cryptocurrency collateral possibilities for loans.

Cons

• Not available for US residents;
• The bare minimum required for a deposit is $100;
• Compared to other exchange platforms, it promises lower profits for stablecoins.

YouHodler Review: Final Thoughts

When contrasted to other types of loans or investments, earning income on cryptocurrency and taking out loans secured by cryptocurrency both come with a high level of associated risk.

YouHodler may be a good option for newbies who reside outside of the United States and do not intend to trade regularly because the platform’s user interface is straightforward and uncluttered.

However, if you live in the United States, you should explore alternative crypto savings options. Also, if you want more sophisticated trading capabilities, you will need to register with a different cryptocurrency exchange, and this is true regardless of where you currently reside.

Ultimately, if you currently trade cryptocurrency, you are probably used to the level of risk involved, and you might find utilizing YouHodler is advantageous and profitable to your crypto trading strategy.

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