YieldCompare · head to head
Toobit vs YouHodler
Asset-by-asset comparison of rates and risk profiles
Short answer
Toobit is the safer of the two: it passes 3 of our five public safety checks, while YouHodler passes 0.
On rates, the highest advertised APY is 12 % at Toobit and 12 % at YouHodler. Base rates only, no promo tiers.
Toobit
Safety grade C
5 checks ✗ ✓ ✓ ✗ ✓
USDT 3.1 %
BTC 0.15 %
ETH 1.5 %
Top product KITE · 12 %
Products tracked 41
Coins tracked 41
Jurisdiction Cayman Islands; EU clients contract with Elyndret Sp. z o.o. (Poland)
Founded 2022
Min deposit $0
Open Toobit → 
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 | Toobit | YouHodler | Winner |
|---|---|---|---|
| USDT | 3.1 % | 12 % | ★ YouHodler |
| USDC | 2.5 % | 12 % | ★ YouHodler |
| TRX | 4.0 % | 11 % | ★ YouHodler |
| SOL | 3.0 % | 11 % | ★ YouHodler |
| ADA | 2.0 % | 11 % | ★ YouHodler |
| ETH | 1.5 % | 11 % | ★ YouHodler |
| DOGE | 0.5 % | 11 % | ★ YouHodler |
| XRP | 0.5 % | 11 % | ★ YouHodler |
| LINK | 0.4 % | 11 % | ★ YouHodler |
| BTC | 0.15 % | 7.0 % | ★ YouHodler |
| KITE | 12 % | — | ★ Toobit |
| ZAMA | 5.0 % | — | ★ Toobit |
| TRUMP | 4.0 % | — | ★ Toobit |
| ATOM | 3.0 % | — | ★ Toobit |
| BONK | 3.0 % | — | ★ Toobit |
| CAKE | 3.0 % | — | ★ Toobit |
| COAI | 3.0 % | — | ★ Toobit |
| NEAR | 3.0 % | — | ★ Toobit |
| APT | 2.2 % | — | ★ Toobit |
| CRV | 2.1 % | — | ★ Toobit |
| AVAX | 2.0 % | — | ★ Toobit |
| DOT | 2.0 % | — | ★ Toobit |
| POL | 2.0 % | — | ★ Toobit |
| XAUT | 2.0 % | — | ★ Toobit |
| GRAM | 1.5 % | — | ★ Toobit |
| WLFI | 1.5 % | — | ★ Toobit |
| XPL | 1.5 % | — | ★ Toobit |
| SUI | 1.2 % | — | ★ Toobit |
| ASTER | 1.1 % | — | ★ Toobit |
| LTC | 1.1 % | — | ★ Toobit |
| BNB | 1.0 % | — | ★ Toobit |
| PAXG | 1.0 % | — | ★ Toobit |
| UNI | 1.0 % | — | ★ Toobit |
| HBAR | 0.6 % | — | ★ Toobit |
| OP | 0.6 % | — | ★ Toobit |
| SAND | 0.6 % | — | ★ Toobit |
| ONDO | 0.5 % | — | ★ Toobit |
| PEPE | 0.5 % | — | ★ Toobit |
| ETC | 0.35 % | — | ★ Toobit |
| ARB | 0.26 % | — | ★ Toobit |
| SHIB | 0.2 % | — | ★ Toobit |
Safety — check by check
| Check | C Toobit | F YouHodler |
|---|---|---|
| Regulation | ✗ | ✗ |
| Proof-of-Reserves | ✓ | ✗ |
| Flexible withdrawal | ✓ | ✗ |
| Insurance Fund | ✗ | ✗ |
| Track record (2+ years incident-free) | ✓ | ✗ |
| Score | 3/5 · C | 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.