Yield
YouHodler
Is YouHodler safe? It scores F on our five safety checks, passing 0 of 5 — ; not passed: Regulation, Proof-of-Reserves, Flexible withdrawal, Insurance Fund, Track record (2+ years incident-free). Every check below cites the evidence behind it and links its source.
Why this grade
- ✗ Regulation
AML registrations only, no prudential license — Swiss SRO PolyReg membership (AML oversight, not a FINMA license) plus VASP registrations in Italy (OAM) and Spain. CRITICAL — no MiCA CASP license; since July 1, 2026 the platform runs in "limited operations" mode in the EU, not onboarding new European clients, and is absent from the ESMA CASP register. Source 1 → Source 2 → Source 3 →
- ✗ Proof-of-Reserves
No independent proof-of-reserves and no public financial statements. Marketing points to custody infrastructure (Ledger Vault, Fireblocks) instead, which says nothing about reserves or solvency. Source →
- ✗ Flexible withdrawal
Nominally a no-lock Yield account, but in practice there are recurring complaints (including through 2026) about multi-week withdrawal freezes pending repeat KYC/AML checks; the platform reserves the right to cancel transactions. Source 1 → Source 2 →
- ✗ Insurance Fund
The $150M policy via Ledger Vault (Lloyd's) covers private-key theft — a crime/custody policy, NOT deposit insurance. It is pooled across all Ledger Vault clients, so the limit may fall short in a major incident. Source →
- ✗ Track record (2+ years incident-free)
2019 data breach: 86M records with unencrypted card data (CVV included) on a passwordless server — while the company publicly downplayed it. Survived the 2022 crisis without bankruptcy (a plus), but the withdrawal-freeze complaint pattern continues into 2026. Source 1 → Source 2 →
Incidents we count
Known incidents
No known incidents in the past 2 years
All YouHodler products
Yield products
as of Jul 28, 2026| Product | Rate | Type | Lock | |
|---|---|---|---|---|
| ADA | 12 % | flexible | — | Open YouHodler → |
| DOGE | 12 % | flexible | — | Open YouHodler → |
| ETH | 12 % | flexible | — | Open YouHodler → |
| LINK | 12 % | flexible | — | Open YouHodler → |
| SOL | 12 % | flexible | — | Open YouHodler → |
| TRX | 12 % | flexible | — | Open YouHodler → |
| USDC | 12 % | flexible | — | Open YouHodler → |
| USDT | 12 % | flexible | — | Open YouHodler → |
| XRP | 12 % | flexible | — | Open YouHodler → |
| BTC | 8.0 % | flexible | — | Open YouHodler → |
What would YouHodler pay you?
How much will you earn?
Method: monthly compounding (1 + APR/12)ⁿ, where APR is the exchange's stated rate. The realized 12-month return is slightly higher due to reinvestment. Rates may change. Not financial advice.
How yields have moved
Source: daily snapshots via exchange API · accumulating since YieldScope launch
Paid placement · price for you doesn't change · we earn a share per click via the Bitcompare ad network
Compare YouHodler with others
Asset-by-asset rates and risk grades