YouHodler is a cryptocurrency exchange that pays good interest rates on all your crypto deposits with a high-yield crypto savings account. The platform also focused on crypto lending through fiat, crypto and stablecoin loans, crypto-fiat and crypto/crypto conversions.

Customers can use crypto as collateral on short-term loans, and use borrowed funds for advanced trading. The platform supports BTC, BCH, BNB, ETH, LTC, XLM, XRP, DASH, HT, REP and other popular cryptocurrencies and tokens. The user's digital assets are securely protected with advanced Ledger Vault storage and Fireblocks security options.

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Features of YouHodler

• On the YouHodler platform, the user can open savings accounts with the highest interest rates, without blocking time and instant withdrawal of funds.

• On the YouHodler platform, the user can make an exchange, in one click it allows you to convert fiat into cryptocurrency or stable coins in seconds, with real-time execution prices and low commissions.

• On the YouHodler platform, the user can quickly and easily profit from market volatility in both directions (UP or DOWN). Fast and real execution, no commission for placing orders, no fee for profit share, as well as with instant withdrawal and deposit.

• On the YouHodler platform, the user can use Dual-Asset. Dual-Asset combines income generation strategies from decentralized finance (DeFi) with the simplicity of traditional FinTech platforms.

• On the YouHodler platform, the user can get loans secured with cryptocurrency. The user can use their cryptocurrencies or NFT as collateral for loans in the cryptocurrency with the highest loan-to-value ratio (90%).

• On the YouHodler platform, the user can use turbo charging. Turbo charging is a service that allows users to get a chain of credits. The platform uses borrowed fiat to purchase additional cryptocurrency without commission, and then uses it as collateral for other loans in the chain.

YouHodler KYC Process

Before partaking in any activity on YouHodler you must verify your Identity. You have to take a selfie with your identity proof. It can be a passport, driving license, or national ID. You have to submit your personal information such as full name, date of birth, nationality, and address. Now, the YouHodler team will verify all the information. Once your account is approved, you can perform transactions.

Deposits

You can deposit Bitcoin or other cryptocurrencies and start earning interest immediately. The savings account rates vary for each cryptocurrency. The minimum amount to start earning the interest is $50 (in crypto equivalent).

YouHodler Cryptocurrency Supports:

If you own any other cryptocurrency or fiat, you can convert them into any of the above coins. Your returns are deposited directly into your wallet every week. If you want to check your earnings daily, you can head over to the “Earned” section. Your payments are in stablecoin and cryptocurrencies.

YouHodler offers compound interest, which is added every week. If you don’t withdraw your interest, you can earn more profit. If you withdraw the deposited amount before seven days, you will receive your interest anyway. Interest is calculated approximately every 6 hours.

You can deposit your fiat currency (EUR, USD or GBP) into your YouHodler wallet via debit/credits card or a bank wire transfer. You can access your funds 24/7.

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How YouHodler Works? How to request a loan?

You can apply for a loan either in fiat or Bitcoin and can use your crypto assets as collateral. You will immediately receive the loan amount in USD, EURO, Stablecoins, and Bitcoin. As soon as you pay back the loan, you will receive your collateral irrespective of whether its price has increased.

There is no criteria to check whether you are eligible for a loan or not. If you have enough collateral and a verified account, you are good to go. You have to choose from the following three options for the loan duration.

Duration(days)

The longer the duration of the loan, the lower the LTV. Your interest rate depends on the option you choose rather than the amount of collateral you put up.

YouHodler Withdrawals

You can withdraw your funds using any of the following three options -

1. Bank wire withdrawal using SWIFT and SEPA. They are available worldwide.

2. Credits card withdrawal using Mastercard or VISA.

3. You can buy crypto or stablecoins from the exchange.

If you are unable to pay your loan, you have the following three options -

1. Your loan will be paid immediately using your collateral, and YouHodler will transfer the remaining amount to you.

2. You can extend the loan duration. You can extend the Price Down Limit using the extend PDL button. You can do so by adding extra collateral. This feature is not accessible when using YouHodler MultiHODL and Turbocharge.

3. You can also immediately exchange your assets with cash and get 85% of the value. You don’t need to repay.

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YouHodler Security Review

YouHodler stores most of the funds securely in cold storage i.e it is offline and safe. It has additionally partnered with reputable banks in Europe and Switzerland to store your funds safely. Each deal is a legal binding contract that follows EU rules and guidelines. The Ledger Vault, a global security leader, secures all the funds and provides additional multi-authorization self-custody options to its users.

YouHodler Insurance — Is Youhodler safe and legit?

YouHodler benefits from the Ledger Vault’s pooled customized crime insurance program insuring crypto-assets for up to $150 million led by the prestigious Arch UK Lloyds of London syndicate. This prevents you from risks such as employee theft and third party theft of private keys.

It provides a 3FA security level. If you have more than USD 10,000 in your account, you can disable withdrawal. It will be enabled only if you request it and provide identity proof. This eliminates the possibility of suspicious withdrawals.

It has also partnered with Elliptic and CipherTrace to monitor all transactions and protect its users from money laundering, terrorist financing, fraud schemes, and more. They help YouHodler improve their sanction compliance and Anti Money Laundering.

YouHodler Referral

YouHodler has an affiliate program. It offers up to $150 for each active customer you bring to the platform. You can download their media kit, which makes it easier to promote. They provide transparent tracking and performance reports. You can receive your payment in either cash or crypto.

YouHodler Review: Pro and Cons

Let’s review the advantages and disadvantages of YouHodler.

The Pros:

1. You Earn up to 12% APY on your Crypto

2. You get weekly compound interest.

3. Good Customer Service

4. YouHodler offers flexible repayment options.

5. You can withdraw immediately.

6. Advance trading tools

7. YouHodler has diverse investment options.

8. It has a user-friendly interface.

The Cons:

1. Not available in the U.S.

2. Minimum of $50 Investment Required

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YouHodler Review: Conclusion

In summary, we see that YouHodler is backed by some of the biggest names in the Blockchain industry and offers the highest interest rates. It also has unique features such as MultiHODL and Turbocharge. In addition, they follow best practices to secure your funds and protected by a reputed insurance program. So what are you waiting for? Open a YouHodler saving account today and earn 12% interest.