What YouHodler Offers and How It Works

YouHodler is a crypto-financial platform focused on loans, savings, and trading. It is designed for users looking to maximize their crypto assets or access liquidity without selling them. With a verified account, you can deposit more than 50 cryptocurrencies and stablecoins, access credit lines with loan-to-value (LTV) ratios of up to 90%, and generate yield in savings accounts on stablecoins like USDT or USDC.

Three Key Functions in a Single Account

From the web or its mobile app, the user can: (1) save and receive weekly interest in crypto; (2) obtain instant loans using BTC, ETH, or XRP as collateral; and (3) use MultiHODL to amplify gains (or losses) with leverage of up to 70x. Registration is quick and requires no minimum deposit, although full operation requires KYC verification.

• Clear interface available in more than 10 languages

• High compatibility with fiat and cryptocurrencies

• Savings account with up to 8.32% APR

• Instant crypto loans with adjustable LTV

• MultiHODL with personalized risk control

Additionally, its YHDL loyalty program provides rewards for using products, and withdrawals can be made in cryptocurrencies or via traditional bank account.

Financial Products and Fees

The YouHodler ecosystem includes products such as crypto-collateralized loans, crypto savings accounts with weekly interest, instant conversion between digital assets, and a leveraged trading tool. The platform does not charge account opening or maintenance fees but applies spreads on conversions and variable withdrawal fees depending on the chosen channel.

Options for Every Crypto Profile

• Loans: up to 90% LTV with BTC, ETH, LTC, among others

• Savings: up to 8.32% APR on USDT, USDC, BUSD, EURS

• Trading: MultiHODL with up to 70x leverage

• Exchanges: instant conversion between 50+ cryptos

• Fiat Support: USD, EUR, CHF, GBP

There are no fees for opening orders, and the pricing structure is transparent. Loan interest varies according to LTV and duration, and savings interest is calculated weekly and paid on Fridays.

Deposits and withdrawals can be made via card, crypto, or bank transfer (SEPA/SWIFT), providing flexibility to move funds in and out of the ecosystem.

Security, Support, and Regulations

YouHodler operates under the regulation of FINSOM (Switzerland), OAM (Italy), and compliance entities in Argentina, providing a certain level of oversight and auditing, although it does not yet have high-level licenses like FCA or SEC. Security includes cold storage via Ledger Vault, 2FA authentication, and adherence to CCSS standards.

Advantages and Warnings to Consider

• ✅ Regulated in various European jurisdictions

• ✅ Enhanced security with partners like Ledger Vault

• ✅ 24/7 support in multiple languages

• ⚠️ Security breach in 2019 (no loss of funds)

• ⚠️ Not available in the U.S., Canada, or China

Support is available 24/7 via chat, email, or phone, offering quick responses and localization for various languages. It also provides educational content, market analysis, and crypto news on its official blog.

In summary, YouHodler is a versatile platform focused on maximizing the value of your cryptocurrencies, with tools for saving, investing, and accessing liquidity swiftly and securely.