YouHodler Review 2021: Best Place to Get Cryptocurrency Loans?

Share on facebook
Share on Facebook
Share on twitter
Share on Twitter
Share on pinterest
Share on Pinterest
Share on telegram
Share on Telegram

This article covers in-depth details of YouHodler lending platform, including important information like interest rates, loan schemes, cryptocurrencies approved for use as collateral on the platform, etc.

Regarded as a major potential disruptor to traditional financial systems, cryptocurrencies worldwide are gaining traction daily.

However, despite the vast potentials embedded in this tech, users often find it challenging to invest in this space. This is majorly due to the highly volatile nature of the entire cryptocurrency ecosystem.

Success in the crypto space requires users to hold on to crypto assets despite unfavorable price fluctuations. This major aspect of the crypto space inspired the launch of YouHodler.

This YouHodler review throws more light on the intricate details of the platform, its functionalities, interest rate, features, and how secure the platform is, amongst several other important details.

YouHodler review

What is YouHodler?

Launched in 2019, YouHodler is a fintech firm focused on providing crypto-backed loans with fiat currencies. The platform boasts of facilitating crypto-crypto and crypto-fiat conversions alongside high-interest savings accounts.

Supported fiat currencies on the platform include USD, EUR, CHF, GBP. YouHodler also supports several cryptocurrencies, some of which include BTC, ETH, BCH, BNB, LTC, XLM, DASH, HT, REP, etc.

Stablecoins are also not left out on the platform. Users can access loans using stable coins like USDT, USDC, TUSD, PAX, PAXG, DAI, and HUSD. YouHodler is an EU, Swiss-based company with offices in Switzerland and Cyprus.

The platform provides an efficient solution to the Fear Of Missing Out (FOMO) popular among crypto holders. YouHodler, users can easily hold onto their crypto assets while retaining the possibility of leveraging it for loans.

Due to the volatile nature of cryptocurrency, the platform is a welcome development to crypto investors.

This YouHodler review shows that over time the platform has experienced exponential growth and global mass adoption. It is currently viewed as a robust and all-round crypto-fiat financial platform.

The platform boasts of several features finely-tuned to unlock the value of crypto assets. Some of such features include crypto-backed loans, integration of several payment channels (stablecoins, bank wires, credit cards), trading solutions, etc.

One of the fascinating features associated with the platform is the possibility of withdrawing fiat to a personal bank account. The platform also offers users the ability to hold their crypto assets in a YouHodler savings account.

According to the platform's homepage, YouHodler's mission is to help users put an end to the passive “hodling” of crypto assets.

Who is YouHodler for?

The platform is designed specifically to meet the need of crypto investors as well as crypto owners looking to obtain loans without relinquishing ownership of their digital assets.

It help protects crypto investors and “hodlers” from volatility, which is a major characteristic of the cryptocurrency industry.

Is YouHodler Safe?

Irregularities, manipulations, scams, hacks, and fraudulent activities are not new occurrences in the crypto space. Since its inception, the crypto and blockchain ecosystem has suffered at the hands of evil individuals.

Users over time have lost millions of dollars worth of crypto assets to scandalous and shady schemes and individuals. This major issue associated with the crypto space begs the question, Is YouHodler safe?

According to reports, YouHodler is founded on firm legal principles. The firm is entirely compliant with EU laws and also has several other security obligations put in place to ensure top-most security.

The platform makes use of both cold and hot wallet storage methods. This essentially means that users' funds are stored both offline (away from servers) and online.

YouHodler also disclosed that the platform is equipped with 3FA level security. This security patch enables users to lock their funds and even disable withdrawal features on the platform.

To prevent any form of manipulation, the withdrawal will only be made possible after identity verification and to the wallet owner's address alone.

Users further enjoy extra protection from the Independent Financial Commission's efficient dispute resolution process. In the event of a disagreement, users have the right to submit a complaint to the Association.

The dispute resolution platform is sure to provide quick, fair, and non-binding solutions. YouHodler employs the services of CipherTrace and Elliptic.

Both platforms closely monitor transactions on the loan platform, tracking down and analyzing any form of suspicious behavior. Elliptic and Identity Mind offers Anti Money Laundering (AML) compliant services to the loan platform.

Earn Interest on Crypto

YouHodler provides interested persons with instant crypto loans. As previously stated, it offers a 90% loan-to-value ratio, which is currently the best in the industry today.

About 15 different cryptocurrencies are accepted as collateral on the platform. Loans can be received as fiat, Bitcoin, or Tether. The interest rate stands at 12% APR. However, interest may go as low as 2.5% for short term loans.

YouHodler Insurance

Although YouHodler has put in place top-notch security protocol, the loan platform still boasts of $1 million in financial reserves. Essentially, boosting the lender's confidence in the platform.

The platform has also integrated the Ledger Vault's technology to provide users with smart custody options.

Ledger Vault provides cover for different risks associated with the crypto space. The platform helps YouHodler avoid hack risks, drastically reduces human error, ensures systems flexibility, instant access to funds, and has no scalability limits.

How does YouHodler work?

This YouHodler Review provides details on how the platform works. First, it is important to note that the platform is quite interested in improving its users' experience.

Subsequently, providing a wide range of services that allow “crypto holders” enjoy immense benefits from their crypto assets.

The first thing to do is to create a YouHodler wallet. Reliable, efficient, and easy to use, the YouHodler wallet aids the natural conversion of funds from crypto to fiat.

Users can also make use of the wallet to hold as well as transfer funds. Apart from the above functions, the wallet also helps in account management.

To obtain loans, users need first to deposit cryptocurrency as collateral. YouHodler published that the platform functions by temporarily purchasing crypto assets from lenders and returning the asset once the loan is repaid.

The platform supports withdrawals made using SEPA and SWIFT. However, Mastercard and Visa withdrawals are only available in some countries.

The platform currently boasts of Loan-to-Value (LTV) ratio as high as 90%. According to CEO Ilya Volkov, “flexible LTV allows our clients to get the most value for their crypto collateral compared to any competing lending platforms.”

Alternatives available

Several alternatives to YouHodler exists in the market today. They include; Nexo, BlockFi, CoinLoan, Celsius Network,, Unchained Capital, ETHLend, SALT Lending amongst several others.

YouHodler Loan

To obtain a loan on YouHolder, users need first to choose what form of collateral they wish to tender. Once this step is completed, users instantly receive the agreed loan sum either as fiat currency, bitcoin, or any stablecoin of their choice.

Loan eligibility on the platform is, however, linked to having adequate collateral as well as a verified account.

youholder crypto loans

The platform has several loan packages namely;

30 days – 90% LTV

60 days – 70% LTV

180 days – 50% LTV

Interest rates on the platform are the same for all users. However, interest rates are expected to drop as users on the platform increase.

In the event, users are unable to pay back loans received at the stipulated time; they have three different options of paying up.

  • End Loan Without Repaying – With this option, users can end their loan without completely paying it off. YouHolder, in this case, withdraw all outstanding loans from the collateral and instantly credits the lender with the remaining amount.
  • Increase Loan Duration – users have the option of extending their loan term as it draws near to its maturation date.
  • Walk Away – With an LTV rate of 90%, users can receive the loan with no intention of paying back. They simply walk away with about 85% of the loan value.

In the event of a massive reduction in crypto price beyond the “Price Down Limit”, YouHodler reserves the right to sell the collateral and close the loan.  

On the other hand, if the collateral asset experiences price increase beyond the Take Profit threshold, the platform sells the collateral and then credits the profit to the user wallet.


While volatility is a critical issue in the crypto space, YouHodler is providing a secure solution to this issue. Summarily, the platform provides users with the ability to leverage their crypto assets securely. Unlike most crypto platforms, YouHodler does not avoid banks. The platform over time has partnered with top banks in Europe and Switzerland. Equipped with 24/7 customer support, it is safe to say that “YouHodler never sleeps”.

The platform provides assurance of security as well as loans with low-interest rates. It, however, isn't the best platform for users looking to acquire long-term loans as interest increases over time.

YouHodler Review
  • Ease of Use
  • Fees
  • Reputation
  • Customer Support


  • Up to 12% interest in users' savings accounts
  • User's preference is taken into consideration with regards to the choice of loan funds
  • Flexible investment alternatives
    Minimum loan possible is $100
  • Boast of High LTV Ratio of up to 90%


  • It is currently not available in the USA
  • Not advisable for long-term loans as interest rates are quite high
  • It is also important to note that YouHodler is not a financial institution

Related Posts

Like this article?

Share on facebook
Share on Facebook
Share on twitter
Share on Twitter
Share on linkedin
Share on Linkdin
Share on pinterest
Share on Pinterest
About Author

Leave a comment

Notify of
Inline Feedbacks
View all comments