YouHodler Review 2026
YouHodler offers high-LTV crypto loans (up to 97%) with instant disbursement and support for 50+ cryptocurrencies.
Last updated: 2026-02-27 · Independently reviewed
Key Details
YouHodler Ratings Breakdown
What Is YouHodler?
YouHodler is a Swiss-regulated crypto lending platform founded in 2018 and headquartered in Lausanne, Switzerland. It's best known for offering some of the highest loan-to-value ratios in the market — up to 90% LTV — allowing borrowers to extract maximum liquidity from their crypto holdings. The platform supports over 50 cryptocurrencies as collateral and offers instant loan disbursement in multiple fiat currencies and stablecoins. Beyond lending, YouHodler has expanded into leveraged trading features like MultiHODL and Turbocharge, positioning itself as a broader crypto financial services platform. YouHodler holds operating licenses in both Italy and Switzerland.
How YouHodler Loans Work
YouHodler offers crypto-backed loans with three standard tiers based on LTV and duration. At 50% LTV you get terms up to 180 days, at 70% LTV terms up to 60 days, and at 90% LTV terms up to 30 days. Higher LTV means more borrowing power but shorter terms and higher fees. You deposit crypto collateral, choose your LTV and payout currency (USD, EUR, GBP, CHF, or stablecoins), and receive funds instantly. Loans can be repaid early with no penalties. If your collateral value drops below the liquidation threshold, YouHodler will sell your collateral to cover the loan — there's no margin call or grace period at the higher LTV tiers, so active position management is critical.
YouHodler Interest Rates
YouHodler's rates range from 3% to 26% APR, with the actual rate depending heavily on your chosen LTV. At 50% LTV, rates start around 3–8%, which is competitive. But at 90% LTV, rates can climb to 20%+ APR. The pricing structure uses flat loan fees rather than traditional APR in some cases, which can make direct comparisons tricky. Always calculate the total cost using actual numbers rather than relying on advertised minimums. YouHodler doesn't require holding platform tokens for better rates, which is a plus compared to Nexo's loyalty tier system.
Is YouHodler Available in the US?
YouHodler is not available to US residents. The platform does not hold FinCEN registration or any US-specific licenses. US-based borrowers looking for high-LTV options should consider Aave (up to 82.5% LTV on DeFi) or Nexo (up to 80% LTV).
Security & Safety
YouHodler is regulated in Switzerland (under FINMA oversight) and holds an operating license in Italy, which provides a meaningful regulatory framework. Assets are custodied using Ledger Vault infrastructure, and the platform carries insurance through Arch UK Lloyd's covering employee theft and private key breaches. However, YouHodler does not publish proof of reserves, which means you can't independently verify that all client assets are fully backed. The platform uses standard security measures including two-factor authentication, SSL encryption, and anti-phishing codes.
Pros and Cons
Pros
- Highest LTV in the market (up to 97%)
- 50+ supported cryptocurrencies
- Instant disbursement
- Swiss-regulated (FINMA oversight)
- Multi Hodl and Turbocharge trading features
Cons
- Rates increase dramatically at high LTV
- 97% LTV = extreme liquidation risk
- No proof of reserves
- Not available in US
- Complex fee structure at higher LTVs
Who Is YouHodler Best For?
YouHodler is best for borrowers who need maximum liquidity from their crypto holdings and are comfortable with the associated risks. If you need to borrow 70–90% of your collateral value for a short period, YouHodler is one of the few platforms that will do it. It's also suitable for European users who want a regulated platform with fiat payout options. The MultiHODL and Turbocharge features appeal to users who want leveraged crypto exposure. YouHodler is not recommended for long-term borrowing (the rates at high LTV are expensive), risk-averse users, or anyone who prioritizes proof-of-reserves transparency.
YouHodler vs Alternatives
| Feature | YouHodler | Nexo | Ledn | Unchained Capital |
|---|---|---|---|---|
| Rate (APR) | 3% – 26% | 2.9% – 13.9% | 12.4% – 13.9% | 14% – 16% |
| Max LTV | 97% | 80% | 50% | 40% |
| KYC Required | Yes | Yes | Yes | Yes |
| Collateral Options | 10+ | 10+ | 1+ | 1+ |
| Disbursement | instant | instant | 24-48 hours | 3-5 business days |
| Our Rating | 7.8/10 | 8.5/10 | 8.2/10 | 7.5/10 |
Final Verdict
YouHodler earns a 7.8/10 in our review. It fills a unique niche with its high-LTV offering — no other regulated CeFi platform comes close to 90% LTV. The Swiss and Italian regulatory framework adds legitimacy, and the instant disbursement with multiple fiat options is genuinely convenient. The main concerns are the steep rate escalation at high LTV tiers, the absence of proof of reserves, and the inherent liquidation risk when borrowing at 70%+ LTV. If you understand the risks and need short-term maximum borrowing power, YouHodler delivers. For longer-term loans or conservative borrowers, look elsewhere.
Frequently Asked Questions
Is YouHodler safe?
YouHodler is regulated in Switzerland and Italy, uses Ledger Vault for custody, and carries insurance from Arch UK Lloyd's. However, it doesn't publish proof of reserves. It's safer than unregulated platforms but less transparent than options like Ledn. The regulatory framework provides some recourse that fully unregulated platforms don't offer.
What is YouHodler's maximum LTV?
YouHodler advertises up to 90% LTV on crypto loans (some older sources mention 97%, but current terms show 90% as the maximum). At 90% LTV, terms are limited to 30 days and rates are significantly higher. A 90% LTV loan can be liquidated by just a 10% price drop in your collateral.
Is YouHodler available in the US?
No. YouHodler is not available to US residents and does not hold US-specific licenses. It primarily serves European and international users.
What is MultiHODL?
MultiHODL is YouHodler's leveraged trading feature that lets you take up to 30x (previously 70x) leveraged positions on crypto price movements. It's similar to margin trading and carries significant risk of total loss. It's a separate feature from their standard crypto loans.
How does YouHodler compare to Nexo?
Both are regulated CeFi platforms, but they target different users. YouHodler offers higher LTV (up to 90% vs Nexo's 80%) and doesn't require token holdings for better rates. Nexo offers lower minimum rates (2.9% vs YouHodler's 3%), wider collateral support (60+ vs 50+), and publishes proof of reserves. Nexo is available in the US; YouHodler is not.