USDC
USDT
Bitcoin
Ethereum
Disclosure: This review may contain affiliate links
YouHodler Snapshot
YouHodler offers a flexible Yield Account that allows users to earn interest on select cryptocurrencies and stablecoins without lockups.
Pros
- Compounding interest
- No lockups
- Wide coin support
Cons
- Improved rates require minimum trading volumes
- No signup bonus
Earn Rates
Review Yield data below to understand the source of these returns. Click plus to reveal more rate-specific requirements.
- USDC USD Coin
- Lending12% APY
- USDT Tether
- Lending12% APY
- DAI Dai
- 6% APY
LendingShow rate requirements
Silver, Gold and above require minimum monthly trading volume. - PYUSD PayPal USD
- 6% APY
LendingShow rate requirements
Silver, Gold and above require minimum monthly trading volume. - EURC Euro Coin
- 6% APY
LendingShow rate requirements
Silver, Gold and above require minimum monthly trading volume. - BTC Bitcoin
- Lending7% APY
- ETH Ethereum
- Lending11% APY
- SOL Solana
- Lending11% APY
Loan Rates
Checked November 5, 2026
BTC, ETH and XRP plans list up to 97% LTV; SOL and other listed assets up to 90%. Costs are daily fees, not a single annual APR. Confirm the selected plan in the app.
- APR Interest Rate
- Variable daily fee
- LTV Loan-to-Value
- 97%
- Assets Collateral
- BTC, ETH, stablecoins, and 50+ supported crypto assets
Report inaccurate data for YouHodler
Rate alerts
Track YouHodler rate changes
Confirm your email, then choose YouHodler, specific coins, or other platforms.
No spam. Unsubscribe or adjust alert preferences anytime.
YouHodler Calculator
Estimates are based on YouHodler current APY. Rates are subject to change.
YouHodler Yield Scorecard
Yield Mechanics
Risk & Custody
- Custody Model
- Custodial / Third Party
- Track Record
- Operational since 2018
Yield methods listed are based on best known platform data. Please note that a single platform may utilize different methods depending on the specific asset, product, or jurisdiction. Platforms may also update their yield strategies at any time.
YouHodler Review
YouHodler offers a crypto yield (earn) program for 30+ coins, including Bitcoin (BTC), Ripple (XRP), Binance Coin (BNB), Cardano (ADA) and a variety of stablecoins like Tether (USDT), TrueUSD (TUSD), and Circle (USDC).
Litecoin rates and account tiers
The official Yield table shows LTC at 5% for the Basic tier and up to 16% for VIP. VIP requires $5 million in monthly trading volume; intermediate tiers have different rates. The 16% figure is a conditional maximum and should not be read as the passive-holding rate available to every customer. Check account eligibility, regional access and current tier requirements before depositing.
Source: YouHodler Yield account, checked October 5, 2026.
YouHodler crypto-backed loans
YouHodler offers crypto-backed loans with cash-to-value of up to 97%. Borrowers can pledge Bitcoin, Ethereum, stablecoins, and more than 50 other supported digital assets, then receive USD, EUR, GBP, CHF, BTC, or supported stablecoins.
- Borrowing cost: a variable daily fee shown in the loan form for the selected plan; YouHodler does not publish one platform-wide APR.
- Maximum LTV: up to 97% for BTC, ETH and XRP; up to 90% for SOL and other listed assets, depending on the plan.
- Additional feature fees: 1% of the overdraft amount for Close Now and 1.5% of the relevant amount for Extend PDL or Increase LTV.
- Availability: YouHodler is not available in the United States or other restricted jurisdictions.
Custody and key risks
YouHodler users rely on the platform and its custodians for asset access, introducing custody and counterparty risks. Product returns and withdrawal conditions can change. Borrowing can introduce liquidation risk. Confirm the product’s insurance scope directly; crypto earn products are not insured bank deposits.
YouHodler FAQ
Is YouHodler available in the USA?
No, YouHodler is not available in the USA.
Does YouHodler pay compound yield?
Yes, YouHodler pays compound yield.
How often do you receive payouts?
Weekly
Does YouHodler require a lockup period?
No, YouHodler does not require a lockup period. You can withdraw your funds at any time.
Does YouHodler pay interest on Bitcoin?
Yes, YouHodler pays 7% APY on Bitcoin.
Does YouHodler pay interest on Ethereum?
Yes, YouHodler pays 11% APY on Ethereum.
Does YouHodler pay rewards on USDC?
Yes, YouHodler pays 12% APY on USD Coin (USDC).
Does YouHodler pay rewards on USDT?
Yes, YouHodler pays 12% APY on Tether (USDT).
Does YouHodler pay rewards on DAI?
Yes, YouHodler pays 6% APY on Dai (DAI).
Does YouHodler pay rewards on PYUSD?
Yes, YouHodler pays 6% APY on PayPal USD (PYUSD).
Does YouHodler pay rewards on EURC?
Yes, YouHodler pays 6% APY on Euro Coin (EURC).
Does YouHodler pay interest on Solana?
Yes, YouHodler pays 11% APY on Solana (SOL).
Does YouHodler pay interest on XRP?
Yes, YouHodler pays 11% APY on XRP (Ripple).
Does YouHodler pay interest on Dogecoin?
Yes, YouHodler pays 11% APY on Dogecoin.
What are YouHodler's withdrawal fees?
YouHodler lists withdrawal or platform fees, but the exact amount can vary by asset, network, product, or transaction type. Check YouHodler's current fee schedule before withdrawing or trading.
Does YouHodler offer crypto loans?
Yes, YouHodler offers crypto loans starting at Variable daily fee APR with up to 97% LTV.
When was YouHodler founded?
YouHodler was founded in 2018.
Where is YouHodler headquartered?
YouHodler is headquartered in Switzerland, Cyprus.
Where is YouHodler available?
Not available in the US or other restricted jurisdictions
- Compounds
- Yes
- Payouts
- Weekly
- Withdraw Fees
- Yes
- Lockups
- None
- Founded
- 2018
- Headquarters
- Switzerland, Cyprus
- Availability
- Not available in the US or other restricted jurisdictions
Affiliate link. We may earn a commission.
