Have you ever considered maximizing your cryptocurrency? Sure enough, being around to trade your cryptocurrency assets for other altcoins on exchanges is a nice way to diversify your portfolio. Even more so is the idea of supporting various blockchain projects in the hopes that ROI is great.

Or, you can simply HODL. As any cryptocurrency investor or enthusiast would probably know by now, following the HODL philosophy may just be the best way to keep your digital assets secure and strong – given how volatile cryptocurrency is. 

And in essence, that’s what this innovative platform YouHodler, has to offer. By offering fiat loans in exchange of cryptocurrency assets, it’s essentially HODLing with additional perks of transparency and opportunities to diversify your coins. Let’s find out more about this platform in this brief Review.

To get the $25 do one of these actions

  • Get a loan from 500 USD or EUR;
  • Get a Turbocharge from 500 USD or EUR;
  • Make any conversion (except fiat-to-fiat) from 1000 USD or EUR.

What's the buzz with youhodler?

Essentially, YouHodler is an innovative fintech platform that maximizes the use of cryptocurrency, by using these coins as digital assets for users to use as loans. Loans can be used for fiat conversions (both in USD and EUR denominations). 

It’s actually a really cutting-edge take on how to HODL. Instead of simply waiting (and praying) for a nice spike to sell (or convert, for whatever purpose there may be), YouHodler basically allows the convenience of users spending for necessary expenses and the like during a hold period. In other words, your HODL is now a flexible option – you can now move!

In summary, the platform provides these fine options:

  • For you to request a cryptocurrency backed loan
  • For you to purchase cryptocurrency using fiat
  • For you to convert both cryptocurrency and fiat funds
  • And lastly, for you to simply withdraw your fiat funds to a credit or debit card.

If anything, it’s a platform that continues to offer more features that cryptocurrency fans will delight from!


Let us now talk more about the exciting loans feature that YouHodler has to offer. First, lets create a nice mindset. You are basically using your loaning opportunities on YouHodler as a way to hedge. This creates a way to create a solid and really flexible way to secure a spot in the cryptocurrency trading market. By having a crypto backed line of credit, you can get fiat as needed while letting your digital assets portfolio still work its magic (without even selling those precious coins of yours).

Think of it as something that allows you to have multiple options to move your cryptocurrency assets without having to consider massive amounts of risk!

And, just to emphasize how great YouHodler is, this platform knows its stuff – YouHodler may very well be the only crypto backed lending platform that offers a very nice rate when it comes to loan to value ratio. At 85% LTV, you can’t go wrong in this platform!


Breaking Down the youhodler collateral loan process:

Let us simplify the process. Depending on the value of your set digital assets you place on YouHodler, you can borrow funds on a certain denomination. Key points to consider with this nice process are:

  • Simply and instantly request for a loan by using your cryptocurrency digital assets as collateral.
  • Have the loan converted into fiat for your use.
  • When you have paid back the loan, you will gain back the corresponding digital assets you have place (you still get to keep it, even if the original amount of assets you have designated increased in value!

Sounds great, right? 

Now, in terms of loan types, you have these three options:

  • A 30 days loan
  • A 50 days loan
  • A 120 days loan

Individual loan plans are also available – feel free to contact Bill Hodler (more about him below) for more information!

Interest, of course, applies for the corresponding loan options that you choose. Interest varies primarily because YouHodler wants to maintain a level of transparency and fairness among its users. By maintaining this high level of trust, everybody wins with better loan (and interest) rates that will be applied to everyone on the YouHodler platform. In fact, and just to prove how important trust and transparency is, the amount of collateral you have will not determine your interest rate. Everyone is of equal rank here – it really is a fair market in YouHodler.


Crypto-Backed Loans:

One of the most important services offered by YouHodler is a cryptocurrency-backed loan, available in any supported by the platform coins. Depending on the chosen token, you will be able to pick one of the available plans:

Extreme plan. Loan-to-value ratio at 95%, 30 days to pay back, 5% interest, -5% price down limit.
Bull Run plan. Loan-to-value ratio at 80%, 30 days to pay back, 7% interest, -10% price down limit.
Two Seasons HODL plan. Loan-to-value ratio at 70%, 180 days to pay back, 16% interest, -20% price down limit.
Anti-Crisis plan. Loan-to-value ratio at 60%, 50 days to pay back, 7% interest, -35% price down limit.
HODLer’s Favorite plan. Loan-to-value ratio at 55%, 120 days to pay back, 13% interest, -40% price down limit.

Rules are simple. You pick a cryptocurrency that you want to back your loan with and loan currency. After that system will automatically calculate how much you will owe, and what will be your deadline, after which YouHodler will use the collateral to cover your loan. Your collateral will also be used if the price hits the price down limit, listed above.

What makes YouHodler different from the competition, it’s the ability to set a close price, after which the system will automatically use the collateral to pay the loan and deposit what is left back to your wallet. “Set Close Price” is used to capitalize on potential gains due to the rising price of the collateralized token. Basically, it works the same as “Take Profit” used in trading.


Flexible Exit Strategy:

Additionally, YouHodler maintains transparent and flexible actions that a user can use when an exit strategy is to be done. Aside from having access to user-friendly and 24/7 support, users can choose from several options to control their assets at a given point of time:


Unique youhodler margin trading Suite is awesome:

YouHodler also works as a conventional cryptocurrency exchange platform – with so much perks involved! In fact, with the margin trading suite option available, an entire line of exciting trade features are available for you to use! In a nutshell, what you have are some of the best features that most cryptocurrency exchanges have, with these additional benefits.


YouHodler now incorporates trading charts in unique and efficient time frames (an hour, 24 hours, 30 days, 90 days, and 120 days time denominations).

You do have to wonder how amazing this is – and it’s evolving, with YouHodler staff on the go to create even more features for traders to use soon!

Also, and in terms of cryptocurrency support, the main coins featured on the platform are:

  • Bitcoin (BTC) 
  • Bitcoin Cash (BCH) 
  • Ethereum (ETH) 
  • Litecoin (LTC) 
  • Stellar Lumens (XLM) 
  • Ripple (XRP) DASH 
  • Augur (REP)


More altcoins and tokens are available as well. Check out their exchange platform for more Details.


Saving for a rainy day - the youhodler usdr saving account:

A really nice feature that YouHodler has is the option for users to profit from cryptocurrency assets vian means of a USDT account. By simply transferring assets towards your SAVINGS USDT wallet, you’re basically making your coins grow! Do take note of these important reminders if you do choose to go with this option:

  • There is a settlement period when you deposit funds towards your SAVINGS USDT wallet.
  • Releasing funds from the SAVINGS USDT wallet before the end of the settlement period will make you lose the perks of the interest rates that were supposed to be applied.
  • If you do add more funds within a set settlement period, then those interest rates will be applied towards the next settlement period.
  • Once a settlement period is done, you do have the option to release your funds or keep it in the SAVINGS USDT wallet for potential profit during the next settlement period.

Amazing and profitable – YouHodler’s on a roll!


How to set up a youhodler account:

Now, on to the important parts. Let’s quickly break down on how to set up a YouHodler account below:

  1. Visit the site.
  2. Create an account either on the GET LOAN link or the signup link.
  3. A basic email registration will be required from you.
  4. Next up, a basica KYC (know your customer) signup will be asked from you.
  5. KYC essentials required from you are: a certified ID/identity document, a selfie with your designated document, and inputting personal information.
  6. Lastly, set up 2FA protocol for a safer and more convenient YouHodler experience.

It is that easy – and now you can start experiencing the many wonders that YouHodler has for cryptocurrency traders, investors, and enthusiasts.


Very important for signups:

Because of fintech or government regulations on cryptocurrency, YouHodler CANNOT provide any service to citizens of these countries: USA, China, Bangladesh, Iraq, and Pakistan.


Is youhodler safe?

Security is paramount in YouHodler. After all, the innovative idea of maximizing cryptocurrency as a form of collateral is also a target for potential attacks. Here’s how the platform assures you of a safe experience:

  • Bank accounts and financial holdings linked to the YouHodler platform are based at Switzerland (solid security!).
  • The platform has (and continues to add) several partnerships with some of the best fiat payment providers in the scene today.
  • The platform also has (and continues to add) several partnerships with some of the best cryptocurrency exchanges in the industry.
  • The YouHodler platform makes use of its own wallet system (that is secured with industry-leading standards and continuous code audits).

All Statements without guarantee!

Write a comment

Comments: 7
  • #1

    Youhodler Blog (Monday, 02 March 2020 11:30)

    Another month is gone meaning we have another chance to reflect on all of our accomplishments. We say “our accomplishments” because this truly was a month that transcended that of the YouHodler team. It was a community-driven 29 days that inspired new features, fresh ideas, and blossoming capabilities. We’re all excited to get started on March 2020 but first, let’s take some time to review.

    The crypto lending industry has taken on a life on its own in recent months. particularly amongst cryptocurrency traders on YouHodler. Using margin trading techniques commonly seen in traditional stock markets, YouHodler clients are using crypto loans as a method to acquire large portions of cryptocurrency with a relatively small amount of starting capital.

    We figured this strategy would be useful for all of our clients so we outlined the simple process in this blog article at the beginning of February. If you missed it, check it out and see how you ca buy 1% for 15% of its value.

    Multi HODL™ Commission: Pay if You Profit and Fewer Fees Than the Rest
    In the name of transparency and our “client first” approach, this month we decided to fully explain YouHodler’s commission and fee structure, which is designed in such a way to benefit clients the most so they only have to pay a commission when they profit from YouHodler services.

    When it comes to understanding the commission and fee structure within YouHodler’s Multi HODL™, there are two main elements.

    Revenue sharing: When users profit from a Multi HODL™ event, then YouHodler collects a 10% commission on that profit. However, if a user fails to earn any money from Multi HODL™ they need to only pay the origination fee (and no commission). They simply get their initial investment returned to them minus any factual loss from the deal. Hence, when YouHodler wins, we both win and share the revenue from the profitable event.

    Origination fee: Whenever a user opens a Multi HODL™ deal, then they must pay an origination fee on that deal. The origination fee consists of two parts:

    2a. 2% interest fee for borrowed funds. During Multi HODL™, YouHodler is lending real funds to the user as capital to buy leveraged crypto. This is all an automated process but YouHodler is, in fact, lending real funds to fill these orders.

    2b. 1% fee to cover real-time execution on exchanges. In order to make these buy and sell orders, YouHodler operates with crypto exchanges, meaning market fluctuations can change in seconds (as they tend to do). That’s why we charge 1% to cover us in the event of these rapid market changes.
    The full article goes into this information more in-depth so you haven’t already, we suggest checking it out now.

    In February, YouHodler revamped its affiliate program to create optimal partnership opportunities. The program now includes the following features:

    1. Fully transparent, 100% secure and reliable. Now you can see how many leads (registrations), verifications (KYC process) and clients you bring from different sources.

    2. World-leading software. We are using, a world-leading software for affiliates. It allows you to launch and monitor the performance of your ad campaigns right inside the service.

    3. Automatic payouts on your preferred method. You will be able to choose the most convenient payout method: cryptocurrencies, bank wire, etc.

    4. More modern and up to date. A fresh look, clean interface, and user-friendly experience allows you to spend less time navigating the dashboard and more time earning.

    5. Experiment with your perfect affiliate formula. Now that you can track traffic, and make A/B tests, you have so many more possibilities to experiment with the perfect formula that will deliver the best results.

  • #2

    Youhodler Blog (Tuesday, 24 March 2020 21:38)

    While the traditional market looks to find its footing in these uncertain times, an interesting effect is occurring in the cryptocurrency market. After the initial panic sell-off of two weeks ago, the market has not only stabilized but is operating in an independent manner from its traditional counterpart. While it’s true the use of Bitcoin did not erupt as many thought it would after the stock market crash, we are seeing brilliant signs of a healthy future for this technology. In the “post-corona era”, cryptocurrency may finally reach its full potential after the global economy looks to recover from over inflation, excessive money printing, and failed government bailout programs.

    Use of Bitcoin as a safe haven (it’s not over yet)
    Crypto critics slammed Bitcoin as a safe haven option after the COVID-19 crisis crashed the economy. Many thought we would see investors flood the crypto market to store their money while the traditional stock market collapsed. However, what we saw instead was not only a stock market crash but a gold market crash and a crypto market crash. This is not a reason for concern though.

    What we saw during the crypto crash a couple of weeks ago was nothing more than panic selling. After that initial selloff, we are seeing a much healthier situation now. Compared to the fiat currency, Bitcoin will always have a limited supply. No one can print more of it and in fact, demand is increasing by the year. But is it a safe haven? Some could argue yes it still is but that depends on the situation.
    The results of this recent stock market situation were simply too big to prepare for. Even gold, which is the standard safe haven option could not offer a solution. So yes, the use of Bitcoin as a safe haven is still very plausible in normal market circumstances. With fiat now being printed at a lightning pace, Bitcoin, now more than ever may be an important tool for financial survival.

    Use of Bitcoin already more convenient than gold
    While we are on the topic of gold, let’s put this debate of gold vs. Bitcoin to rest. Gold is heavy and nearly impossible to carry large quantities of. Furthermore, have you ever tried to pay for groceries with gold? It’s not going to happen. Yes, that’s still hard to do with Bitcoin but that is changing every day where gold has not seen any progress. In addition, crypto can be sent anywhere around the world, anytime, in massive quantities with minimal transaction fees (as of March 2020, the average Bitcoin transaction fee is ~1 USD regardless of size). Hence, once the coronavirus runs it’s course, it’s very possible we will see a brand new era of cryptocurrency.

    Eventually, a vaccine will come out and eventually the infection rate will start to decline. Once that happens, the people hoarding large stashes of cash will realize it’s safe to invest once again. The main question is though, where will they put it?

    Use of Bitcoin may become more attractive than the stock market
    Central banks like the Federal Reserve are printing money at an alarming rate right now. Yet, the stock markets are still going down. Why is this so? These government programs take time. Even if they do end up providing relief down the road, who do they provide relief to? Do they bail out the small businesses and their loyal team of employees? No. They bail out the big banks and financial institutions. It’s a broken system and for hundreds of years, we never had a solution. The use of Bitcoin is the new solution.

    With cryptocurrencies, governments cannot simply print new money and bailout big banks. There will be a greater opportunity for wealth disbursement as greedy CEO’s will no longer get their big multi-million dollar payouts from economic collapse. For these reasons, Bitcoin and other top cryptos are a terrific long term investment. Soon, people will come to realize the current system is not fit for situations like this and the solution to this corruption (blockchain/crypto) is already here.

  • #3

    Youhodler Blog (Tuesday, 07 April 2020 12:34)

    Ethereum (ETH) is the latest addition to YouHodler’s ever-expanding cryptocurrency savings account collection. Users who deposit ETH will earn 4.5% APR on ETH featuring monthly payouts. In addition, users can take advantage of other savings account enhancement features such as MultiHODL.

    Earn crypto passively and secure stable portfolio growth.
    As the second most popular cryptocurrency by market cap, Etherem’s ETH token is widely regarded as a top option to have in a crypto portfolio. However, much like many of the other top coins/tokens, ETH is susceptible to volatility in both directions. Stable assets are the cornerstone of any portfolio which is why crypto savings accounts are seeing a rise in popularity. With an ETH savings account on YouHodler, users earn crypto every month (4.5% guaranteed) which will help them offset some of their losses from market volatility.

    Speaking of passive income, ETH HODLers can start passively earning on their ETH deposits right now instead of waiting further for ETH Staking coming in Q2 of 2020. Then, when that day eventually comes, you’ll have multiple avenues of passive income via ETH (YouHodler and Ethereum).

    How to earn ETH on YouHodler
    To earn ETH on YouHodler, just follow these three simple steps:

    Step 1: Deposit ETH or fiat

    After signing up and verifying your ID, deposit ETH to your personal ETH savings account. If you do not have ETH yet, you can deposit USD, EUR, CHF or GBP to the platform and use that to buy ETH as well.

    Step 2: Earn crypto interest

    Once ETH enters the savings account, the first monthly payment period initiates.

    Step 3: Watch your ETH grow.

    Monitor your ETH’s growth on a daily basis by checking the "Earned" counter. At the end of each month, the earned amount will be deposited into your Savings Account.

    Important info

    If you release funds before the end of the monthly period, you will not receive interest earned during the uncompleted month.
    If additional crypto is deposited within the monthly period, the crypto interest from this deposit will be applied to the next month.
    After each month is over, crypto interest will be deposited into your Savings Account. Users are free to keep it there to accumulate even more profit
    Earn ETH in either market direction with MultiHODL
    For those that have followed YouHodler, then you already know we’re huge fans of the Barbell Strategy. This investment strategy suggests keeping the majority of your funds in safe assets while taking a smaller portion to use for riskier and potentially profitable investments.

    Let’s use ETH savings accounts as an example. While the bulk of ETH is earning 4.5% per year in a savings account, users could take a portion of that savings account or wallet to use in MultiHODL and multiply their ETH up to x6.51 (or 391.45%). Of course, this all depends on market conditions and how much risk/profit the user chooses. In addition, the user can benefit from both bullish and bearish markets using the “up” and “down” buttons on MultiHODL, opening up new avenues of profit.

  • #4

    Youhodler Team (Friday, 07 August 2020 22:08)

    The most anticipated update in cryptocurrency history is finally here. No, not Ethereum 2.0 but instead, YouHodler 2.0. The new release, called “Affinity” brings many community-inspired ideas to reality and we are extremely excited to launch Phase 1 of these updates today.

    With Affinity, users can experience the power of the world’s first wallets integrated with YouHodler’s, world-renowned Savings Accounts, classic crypto-backed loans and the original Multi HODL feature now all in one convenient product fusion. Adding to this is a complete overhaul of the platform’s UX/UI with updated charts and an overall improved user-friendly interface. Affinity makes it easier than ever for YouHodler users to manage their assets, earn passive interest, and activate their cryptocurrency to profitability.

    To read more, please check out our official blog post.

    Thank you for your inspiration thus far and we hope you all love Affinity as much as we do.

  • #5

    Youhodler Team (Thursday, 13 August 2020 19:44)

    As the industry and our platform evolve, so do our clients. To accommodate this growth, YouHodler is introducing a new maximum default limit on passive savings accounts. As of today, users can deposit up to $100,000 worth of their favorite coin, token, or stablecoin and immediately start earning interest up to 12% APY

    Due to YouHodler 2.0, users earn interest on their assets directly in their crypto wallet and these funds are not locked. Users are free to withdraw at anytime.

    To earn interest on amounts over $100,000, just become an active hodler and open a Multi HODL deal of any size to earn interest on the entire amount (wallet balance + Multi HODL value).

  • #6

    Youhodler Blog (Friday, 04 September 2020 21:38)

    We have great news for you.

    Due to the continuous mass demand on our "old savings account" system, we've decided to prolong the transition period until October 15th, 2020. However, functionality is still limited.

    As you may remember, the new Savings Accounts are integrated into each individual wallet. The benefits of this are as follows:
    1.Clients can earn on their wallet balances without the need for a separate savings account.
    2.The default limits on savings are increased to $100,000.
    3.For active Multi HODL users, this maximum savings limit could be increased infinitely.
    4.For our early adopters and loyal users who requested custom savings account terms, those same terms are still honored with the transition.

    On October 15, 2020, all balances from old savings accounts will automatically transfer to the new wallet. Interest rates remain the same. Please remember to sign the new Savings Reward Agreement first to start earning interest.

  • #7

    Youhodler Team (Friday, 11 September 2020 19:50)

    You asked for it and now you got it. We increased the interest rate on LINK from 4.5% to 6.2% starting right now. Earn LINK without the stress of trading.

    If you don't have LINK yet, don't miss the opportunity to exchange it from your stablecoins with a decreased commission as low as 0.8%. That's less than any crypto exchange.