CIR animation

We compare platforms & may earn a commission. Learn more.

Email Newsletter
Fido

Fido

Fido is a crypto-yield platform offering 10% APY with a simple, banking-like app. Unlike other centralized lenders, Fido uses self-custody and is non-...

YouHodler

YouHodler

YouHodler offers a crypto yield (earn) program for 30+ coins, including Bitcoin (BTC), Ripple (XRP), Binance Coin (BNB), Cardano (ADA) and a variety o...

VS

General

Platform
Fido logo
YouHodler logo
Founded
Fido 2025
YouHodler 2018
Headquarters
Fido
YouHodler Switzerland, Cyprus
Availability
Fido Worldwide
YouHodler Not available in the US/Canada

Fees & Financial

Bonus
Fido 30-day 1% APY boost with code: CIR ($250 deposit required)
YouHodler
Token
Fido
YouHodler
Compounding
Fido Yes
YouHodler Yes
Payouts
Fido Every second
YouHodler Weekly
Fees
Fido None
YouHodler Yes
Lockup
Fido None
YouHodler None
Maker Fee
Fido
YouHodler
Taker Fee
Fido
YouHodler

Cryptocurrency Rates

BTC Rate
Fido
YouHodler 8%
BTC Max
Fido
YouHodler
ETH Rate
Fido
YouHodler 12%
ETH Max
Fido
YouHodler
Stablecoin Rate
Fido 10%
YouHodler 20%

Pros

  • Deposit or withdraw USDC or USD
  • Up to $100k insurance included

Cons

  • 10% is a target rate, not guaranteed

YouHodler

Review →

Pros

  • Compounding interest
  • No lockups
  • Wide coin support

Cons

  • Improved rates require minimum trading volumes
  • No signup bonus