YieldCompare · head to head
Bitfinex vs YouHodler
Asset-by-asset comparison of rates and risk profiles
Short answer
Bitfinex is the safer of the two: it passes 2 of our five public safety checks, while YouHodler passes 0.
On rates, the highest advertised APY is 18.2 % at Bitfinex and 12 % at YouHodler. Base rates only, no promo tiers.
Bitfinex
Safety grade D
5 checks ✗ ✗ ✓ ✗ ✓
USDT 7.55 %
BTC —
ETH —
Top product XLM · 18.2 %
Products tracked 16
Coins tracked 16
Jurisdiction British Virgin Islands
Founded 2012
Min deposit $1
Open Bitfinex → 
YouHodler
Safety grade F
5 checks ✗ ✗ ✗ ✗ ✗
USDT 12 %
BTC 7.0 %
ETH 11 %
Top product USDC · 12 %
Products tracked 10
Coins tracked 10
Jurisdiction Switzerland (YouHodler SA, Lausanne; group co. Naumard Ltd, Cyprus)
Founded 2018
Min deposit $100
Open YouHodler → Coin by coin
Shared coins, side by side
| Asset | Bitfinex | YouHodler | Winner |
|---|---|---|---|
| USDT | 7.55 % | 12 % | ★ YouHodler |
| ADA | 7.23 % | 11 % | ★ YouHodler |
| SOL | 3.69 % | 11 % | ★ YouHodler |
| LINK | 1.87 % | 11 % | ★ YouHodler |
| XLM | 18.2 % | — | ★ Bitfinex |
| ETC | 17.1 % | — | ★ Bitfinex |
| AVAX | 16.4 % | — | ★ Bitfinex |
| USDC | — | 12 % | ★ YouHodler |
| DOGE | — | 11 % | ★ YouHodler |
| ETH | — | 11 % | ★ YouHodler |
| TRX | — | 11 % | ★ YouHodler |
| XRP | — | 11 % | ★ YouHodler |
| FIL | 7.31 % | — | ★ Bitfinex |
| BCH | 7.0 % | — | ★ Bitfinex |
| BTC | — | 7.0 % | ★ YouHodler |
| XAUT | 5.44 % | — | ★ Bitfinex |
| SUI | 5.0 % | — | ★ Bitfinex |
| UNI | 4.62 % | — | ★ Bitfinex |
| DASH | 4.49 % | — | ★ Bitfinex |
| SHIB | 3.65 % | — | ★ Bitfinex |
| ZEC | 3.28 % | — | ★ Bitfinex |
| XMR | 2.92 % | — | ★ Bitfinex |
Safety — check by check
| Check | D Bitfinex | F YouHodler |
|---|---|---|
| Regulation | ✗ | ✗ |
| Proof-of-Reserves | ✗ | ✗ |
| Flexible withdrawal | ✓ | ✗ |
| Insurance Fund | ✗ | ✗ |
| Track record (2+ years incident-free) | ✓ | ✗ |
| Score | 2/5 · D | 0/5 · F |
The five public criteria behind each platform's grade. Each ✓ is one point — more points, safer grade. A highlighted ✓ is where one platform wins the criterion outright.