YouHodler : Full Review, Testing, and Presentation (2025)

What is YouHodler?

According to reviews on YouHodler, this platform was created in 2018.

YouHodler offers crypto fiat and crypto financial services. Users can get guaranteed financial returns when they deposit funds in crypto; also, they can borrow funds against their crypto holdings. They can also convert cryptocurrencies into fiat currency, into another crypto, or use stablecoins.

Using the YouHodler exchange, users can get cheaper fiat loans in EUR, USD, GBP, CHF using crypto as collateral. It offers multiple crypto investment options to users around the world; it does not offer services to Iraq, China, Bangladesh, North Korea, and the United States.

According to YouHodler magazine, this exchange is a member of the blockchain association and the Financial Commission of Western Switzerland. It also serves as an outlet for any conflict resolution outside of their platform.

This platform is defined as a centralized financial service, and it has users in 180 countries. YouHodler provides compound interest that is added to the user's account every week. If the user does not want to withdraw their interests, they can earn more profits. The additional interest is calculated approximately every 6 hours.

How do I get a loan at YouHodler?

YouHodler's most appealing feature is its ability to offer loans to its users; this can be compared to coverage. It offers a simple and flexible option for entering the cryptocurrency market.

Their line of credit backed by cryptocurrencies allows users/customers to borrow money. They can receive cash instantly; this way, the user doesn't need to touch their crypto holdings, eliminating several risks associated with making investment decisions.

The next step is creating an account and transferring cryptos to the wallet. The user can apply for a loan, and should check all available loan options with respect to loan term, loan term extension, price reduction limit, and loan-to-value ratio. After clicking on the loan of your choice, it is approved in a few seconds.

The user can get back their original collateral at any time if they repay their loan. He can also manage his loans using the integrated loan calculator.

This exchange accepts various cryptocurrencies as collateral, and their loan-to-value ratio is offered up to 90%. This is considered to be a competitive price in this sector, making it the leader in the cryptocurrency lending space.

Services offered

• Initially, YouHodler started out as a lending or crypto lending platform. In just two years, it has transformed into a fully-fledged ecosystem by offering an extensive financial service in crypto/fiat. Thus, this platform helps crypto investors make the most of the fluctuating cryptocurrency prices without the need to trade them.
• The main priority for any cryptocurrency loan provider is to protect their cryptocurrency assets. Compared to other traditional financial institutions, cryptocurrencies are very sensitive to security breaches; YouHodler offers users an exclusive cryptocurrency wallet that allows them to use their services safely and effectively.
• YouHodler's wallet service is accessible on the mobile device through an app, and it also offers a wallet for storing cryptocurrencies on the platform.
• YouHodler crypto lending products offer users the ability to borrow money using cryptocurrencies as collateral assets without selling them. This can be achieved through the process of loans secured by cryptocurrencies.
• Some of the other features include MultiHodl and Turbocharge, similar to margin trading tools that help users multiply a certain crypto asset using instant money loans.
• YouHodler savings accounts offer high returns, and they are a safe and secure way to earn interest through stablecoins and other cryptocurrencies.
• Users who want to invest in cryptocurrencies with YouHodler to earn interest will receive their interests directly into their cryptocurrency wallet. Additionally, YouHodler supports not only digital currencies but also fiat currencies.
• They also offer a simple one-click exchange system with the best rates in the industry.

Crypto loans offered by YouHodler

YouHodler allows the user to deposit their crypto into their exchange for a loan in EUR or USD. This platform offers three different crypto lending options for their customers:

If the LTV is higher, the fewer cryptocurrencies the user has to deposit.

If an LTV is 50%, then the user must deposit twice the amount of their cryptocurrencies for the amount of their loan. Loan fees will be charged at 2 to 8%.

How do I apply for a loan on YouHodler?

Here are the steps you need to follow to apply for a loan with YouHodler:

• This platform offers several options for applying for the first loan in fiat or bitcoin. Additionally, they can use their various types of altcoins that can be pledged as collateral to process the initial loan. In addition, you can check out the best BTC lending sites here for more details.
• The first step is to apply for a loan online and to pledge the assets in your cryptocurrency portfolio by applying. The user instantly receives the agreed loan amount in fiat currency; the fiat currency will be in euros, pounds sterling, US dollars, bitcoin, or stablecoins. When the loan is repaid, he can receive his collateral in return, even if the crypto value of the collateral has increased.
• YouHodler makes the loan process a lot easier. The user does not need to wait for loan eligibility criteria to be met or for credit checks to be completed. The first process will be completed when the user confirms their account and warranty.

YouHodler loan terms and amounts

According to YouHodler's opinion, YouHodler provides various loans that the user can choose from with their own terms. It offers three loan terms, namely 30 days with a 90% loan-to-value ratio, 60 days with a 70% loan-to-value ratio, and 180 days with a 50% loan-to-value ratio.

The loan interest rate is determined by the type of loan chosen by the user and not according to the amount of collateral offered by the user. In addition, all users have the same interest rate, and it can be predicted that as the community grows, there will be another drop in interest rates. YouHodler has YouHodler's affiliate program; this way, it motivates others to invite them through referral links and earn crypto simultaneously.

Special offers

YouHodler regularly offers promotions with reduced fees or sometimes even loans at 0% fees. To check out the latest offers, go to their website.

specifications

Here are the main features offered by YouHodler:

• When it comes to generating good returns on YouHodler and getting a passive income option, YouHodler provides savings accounts for its users. This account is similar to getting interest payments from a traditional savings account. Instead of depositing fiat currencies like USD, the user deposits their cryptocurrencies.
• When funds are added to the account, the user automatically earns interest, and they are paid weekly. Also, if he wants to, he can keep his crypto interests in his account and earn compound interest.
• If the user plans to keep their cryptocurrencies for the long term, but they urgently need money, this platform helps them borrow fiats by pawning their cryptos. This way, the user can get immediate access to cash in fiat without having to sell their crypto assets. When the user repays an outstanding loan, they get their cryptos back. When crypto prices rise, he can be assured that he won't miss out on the rise.
• MultiHODL is the best choice for those who like to increase their risk for greater rewards. MultiHODL is an innovative tool that helps users increase their funds and maximize their potential profits. By using MultiHodl, users can keep 80% of their crypto deposits in their crypto savings account that offers a guaranteed fixed income. On the other hand, the remaining 20% will be allocated to speculation and high-paying investments that do not offer greater risk.
• One of the unique tools that the YouHodler team offers its users is Turbocharge, which allows them to get a loan chain. When the user expects prices to rise, they want to accumulate more cryptocurrencies to make maximum profits. With this Turbocharge feature, users can use the borrowed fiat money to repay their previous loan and buy additional cryptos without any commission. They can also use the cryptos they purchased and pawn them for other loans.

Earn interest on your crypto on YouHodler

YouHodler is one of the best ways for users to use their digital assets and fiat currency. This way, the user can deposit the crypto and earn interest from it. They can do this by transferring their cryptos to their verified savings account to use various types of cryptocurrencies.

If the user does not have the right type of crypto, they should convert them into fiat. In addition, the user can get returns of up to 12% in interest per year. It can also earn weekly interest on the deposited crypto.

YouHodler Reviews - Earn cryptocurrencies up to 12.3% per year with YouHodler

How do cryptocurrency loans work on YouHodler?

The first step is to transfer cryptocurrencies to the YouHodler wallet. This platform accepts multiple cryptocurrencies as collateral; it does not charge fees for crypto withdrawals and deposits.

Approving instant crypto loans only takes a few seconds, and the user does not need to find a peer-to-peer platform for this process. It can instantly receive fiat currencies like USD, EUR, CHF, or stablecoins.

Also, loans secured by cryptocurrencies are just like loans secured by pawnbrokers. The user uses collateral to secure a loan in the cryptocurrency exchange. When the loan is repaid, the borrower gets their crypto back.

The user can get their crypto bond back at any time, and they can repay the loan through stablecoins, a personal credit card, or a bank transfer. Get more answers hither. The platform provides a help center so that users can solve their small doubts about using YouHodler services or on any other subject.

Opening a YouHodler savings account

One of the easiest ways to start earning passive income online is through the savings account offered by the platform. This platform offers various stablecoins and cryptocurrencies to select from. Additionally, interest rates range from 3% to 12%, and users also benefit from compound interest.

To get started, the user must register or create an account and open a savings account on the platform, verify their identity, and start depositing the cryptocurrency of their choice into their wallet. Instantly, YouHodler will start calculating their interests, and they will update the earnings every 4 hours, paying the users the profit every seven days.

Additionally, users can deposit funds worth 100,000 cryptocurrencies into their YouHodler account. If they want to earn interest for the amount over $100,000, they can open a MultiHODL position, earning interest on the value of the entire amount.

Mobile app

YouHodler provides a wallet application where the user can trade, store, and spend 32 cryptocurrencies and 8 stablecoins. It also offers crypto rewards, integrated crypto loans, and staking. The wallet app is available in the Google play store and the Apple app store. It thus makes it easier for users to manage their cryptocurrency wallets on the go.

Security

YouHodler secures its customers' funds in cold stores, which are safe and offline. YouHodler has partnered with several reputable banks in Switzerland and Europe to securely store the funds borrowed by its users. In addition, it legally binds the contract and follows EU directives and rules.

Global security leader LedgerVault secures YouHodler client funds and provides its users with an additional method of self-ownership with multiple permissions.

Customer Support

YouHodler offers the best customer service/support team compared to other crypto lending platforms. It offers a dedicated help section where users can find out about how certain products work and the lending conditions of the platform.

Customers can use their help section to search for different products like the Turbocharge loan or MultiHODL. The user can contact the support team through live chat or send an email to support@YouHodler.com.

How do I use YouHodler?

Using the YouHodler platform provides a hassle-free experience.

The user can find out everything they want to know about investing in cryptocurrencies and owning cryptos. He can use this platform to get the most out of his cryptocurrency assets.

One of the simple and effective tools offered by the platform is the YouHodler wallet. It allows users to keep their cryptocurrencies for investment purposes; they can also convert their assets into fiat or cryptocurrencies and store them in the wallet.

Thanks to the YouHodler crypto wallet, the user can manage their funds, get loans, and open a cryptocurrency savings account with this platform.

FAQs

Is YouHodler legit?

According to YouHodler's review, YouHodler is a legitimate platform that offers a faster and easier way to get a loan. It helps users trade and lend their cryptocurrencies on a single platform.

Can American customers use YouHodler?

According to YouHodler reviews, this platform is not the best choice for users who need long-term loans, as interest rates are very high. But if the user needs instant cash, this platform offers an easy to use solution. Also, American customers cannot use this platform because it is not available in the United States of America.

Where is YouHodler based?

YouHodler is based in Cyprus, and its operations are carried out in Switzerland.

Final Verdict

To conclude, YouHodler is a legitimate platform and offers different features for cryptocurrency holders in a variety of ways. This platform is well-suited for cryptocurrency holders who would like to earn interest instead of keeping their cryptos waiting in their best cryptocurrency wallets. According to YouHodler's review, YouHodler is not the best option for long-term borrowing because it has high interest rates.

However, if the user is looking for a short-term loan for cash flow needs, YouHodler is the best choice. It offers users several new ways to save their cryptocurrencies instead of selling them. If the user needs money, they don't need to liquidate their cryptocurrencies; they can borrow money with a minimal interest rate.