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Youhodler (BTC)
"Earn up to 8% APY on your Bitcoin with YouHodler"
4
+Pros
- "Up to 8% APY on BTC (tiered system)
- High loan-to-value ratios (up to 90%)
- Ledger Vault custody with $150M insurance
- Mandatory 2FA and IP whitelisting
- Weekly compounding
- No lockup periods
- Swiss and EU regulation"
−Cons
- "Top rates require high trading volume ($2M monthly for Diamond tier)
- US and some regions restricted
- Limited coin selection vs major exchanges
- Platform can void transactions without prior notice
- Tiered system means most users earn lower base rates (3-7%)
- Trading fee transparency concerns"
Features
"Crypto savings accounts (tiered yields)"Crypto savings accounts (tiered yields)
Crypto-backed loans (up to 90% LTV)Crypto-backed loans (up to 90% LTV)
Turbocharge (leveraged reinvestment)Turbocharge (leveraged reinvestment)
MultiHODL (up to 70x leverage)MultiHODL (up to 70x leverage)
Instant exchangeInstant exchange
Fiat on/off rampFiat on/off ramp
Loyalty tiers (Diamond requires $2M monthly volume)"Loyalty tiers (Diamond requires $2M monthly volume)"
Fee Structure
Trading Fee"1-2% exchange fee on standard conversions; 0.3-0.4% profit share on MultiHODL; 0.01% rollover fee"
Withdrawal Fee"Network fees for crypto; $70 or 1.5% for USD SWIFT; €5 EUR SEPA; €55 EUR SWIFT; £55 or 0.15% GBP; 15 CHF or 0.15% for CHF"
Deposit Fee"Free for crypto and stablecoins; 0.5% card deposits (Bank Card, Apple Pay); 1% credit card; $70 or 1.5% for USD SWIFT"
Signup Bonus
"No signup bonus"
"N/A"
Expert Verdict
"YouHodler is a Swiss-regulated crypto lending platform offering tiered Bitcoin yields (base 3-7% APY, up to 8% APY for VIP tier), crypto-backed loans (up to 90% LTV), and leveraged products. Founded in 2018, the platform uses Ledger Vault custody with $150M insurance coverage."
