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!

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6 responses

  1. Youhodler Blog says:

    September is a unique month, no matter where you are in the world. Whether you are transitioning from summer into autumn in the northern hemisphere, or winter into spring in the southern hemisphere, we are all experiencing a great migration right now.
    YouHodler is also keeping up with the seasonal changes as well. This month has been a productive one for us as we brought several new ideas to light, welcomed many new clients, and cemented our plans for the next few months. Months that are historically very active in the crypto market. For those that missed it, here’s what we accomplished this September.
    Multi HODL gets a “Turbocharged” facelift
    Did you notice anything different about YouHodler’s most popular feature this month? As if Multi HODL wasn’t a powerful enough tool to multiply your crypto, September saw it get a “turbocharged” facelift. Now, on select Multi HODL deals, users can choose up to a x30 multiplier, giving them a greater chance to profit if the market is in their favor.

    To put that in perspective, if you have 1000 USD (and LINK is ~ $10 at the time of writing this) then a x30 multiplier using 1000 USD could potentially result in 2,916 LINK (or $29,160). Considering the volatility of LINK this past month, those results are quite possible in either the UP or DOWN direction.
    With these new updates, Multi HODL is quickly becoming the superior option for margin trading compared to other exchanges or CFD trading platforms.
    Only on Multi HODL can you get:
    Free leverage
    Simple pricing without bid or ask
    Easy to use interface w/o an order book
    All the benefits of margin trading on real exchanges like real-time execution and a growing list of trading pairs
    Free rollover
    Opening up multiple positions at the same time (Lock Trading)
    And more!
    XLM and XRP get reduced origination fee on Multi HODL
    Stellar (XLM) and Ripple (XRP) also got a slight overhaul on Multi HODL. Due to popular demand, we decided to boost the multiplier for these cryptos up to x30 also. In addition, we also lowered the origination fee from 0.50% to 0.30%. Whereas most other companies continue to raise their prices as they get more popular, YouHodler likes to give back to our local community. As we grow, you will continue to benefit.

    As many of you know, 2020 has been all about the DeFi craze in the crypto community. To help make the user experience easier with a reputable knowledge database, Cointelegraph Consulting published the DeFi Adoption 2020 Guide. In the guide, users can find the results of a large survey in which various DeFi projects were featured and give information in regards to goals, scalability, and the general project structure.
    While YouHodler is not a DeFi platform by definition, we were featured in this guide as an example of CeFi asset management. It’s an extremely well-written piece of content and we were very happy to be featured alongside big names in the industry such as ChainLink, Maker and more.
    We highly recommend you read the guide. You can download it here
    Tax loss harvesting and other crypto tax information
    It’s never too early to start preparing for your taxes and now that crypto taxes are an increasingly important part of the conversion, it’s vital for you to know all your options in dealing with this. In September, YouHodler wrote a three-part series on crypto taxes including:
    Crypto taxes in the EU and UK (regulation and information)
    Best crypto tax software
    Tax loss harvesting
    We recommend checking all three articles out as they will help you get a great introduction to crypto taxes in your region in addition to learning about helpful crypto tax software that makes the process a whole lot easier. Additionally, the tax loss harvesting strategy will teach you how to take advantage of any crypto profit losses you had this year to save you money on paying taxes.
    High interest savings account: Now with Chainlink (LINK)
    For fans of our high interest savings account (of which we have many), we are pleased to welcome yet another great addition to the family. This month, we raised the interest rate on Chainlink coin (LINK) to 6.2% APY, making us the top of the market for that.
    So if you’re tired of earning zero, or negative interest rates at your bank, come to YouHodler and learn the power of the high interest savings account.
    YouHodler has high hopes for October
    Despite the myth, October is actually a historically good month for global stock markets. The S&P 500, for example, has gone up 50 times in October since 1928 and down 36 times. Considering how the crypto market is following that of the traditional market lately, then the odds are in the favor of a positive market this month.

  2. Youhodler Team says:

    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.

  3. Youhodler Team says:

    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.

  4. Youhodler Team says:

    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).

  5. Youhodler Team says:

    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.

  6. Youhodler Blog says:

    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.

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