Fee model checked against YouHodler's Loan daily fees help article on 9 August 2026. YouHodler does not publish the daily rate — it states the fee is shown on the loan opening form — so the 0.055%/day figure below is indicative rather than a published rate. Confirm the quote you are offered before borrowing.
How YouHodler works
YouHodler is a Switzerland-based fintech (a licensed VASP in several EU countries, operating since 2018) offering short-term crypto-backed loans across roughly 20 assets. Unlike the 12-month lenders here, terms run from 1 to 364 days, and the product is built around high LTVs and quick liquidity. Your collateral is held custodially by YouHodler. The minimum loan is just $100.
Rates & fees
YouHodler now prices loans with a flat daily loan fee of 0.055% of the borrowed amount, charged every day from the day the loan opens until it closes and independent of the loan term. That works out to roughly 20% on an annualized basis if a loan is held for a full year, though most YouHodler loans are short-term. This replaced the platform’s former 1.7–7.5% upfront loan fee. Separate fees apply to optional features (Increase LTV ~1.5%, Extend PDL ~1.5%, Close Now ~1%). Always check the all-in number in YouHodler’s calculator before borrowing.
LTV & liquidation
YouHodler offers some of the highest LTVs in the market — up to 90%, and 97% on certain configurations. Instead of a fixed liquidation LTV, each loan has a ‘Price Down Limit’ (PDL): a specific collateral price at which YouHodler closes the loan by selling the collateral. At very high LTVs the PDL sits close to the current price, so a small drop can trigger liquidation — high LTV here means high liquidation risk.
Custody & safety — why we rate YouHodler Higher relative risk
Source: YouHodler Price Down Limit (official) ↗
YouHodler is an established Swiss-based VASP (operating since 2018), which counts in its favour. But collateral is fully custodial, the platform offers aggressive high-LTV products (up to 90–97%) and additional leveraged features, and it publishes less about rehypothecation and segregation than the most transparent lenders. We rate it Higher — the combination of very high LTV (up to 90–97%), a fully custodial model, limited public disclosure on rehypothecation and segregation, and leveraged add-on products places it in our highest risk tier among listed lenders. It is widely used and long-running, but treat the high-LTV options with particular caution. See the risk methodology.
What a $100,000 YouHodler loan costs
YouHodler loans are short-term, so a typical loan is held for days or weeks — over which the daily fee is a small fraction of the annualized figure above. The cost scales directly with how long you hold the loan. Figures illustrative.
Pros & cons
Strengths
- Very high LTV available (up to 90%)
- Tiny $100 minimum
- Fast, flexible short terms
- Established Swiss-based VASP (since 2018)
- ~20 assets accepted
Trade-offs
- Daily loan fee (0.055%/day ≈ 20%/yr) — cost grows the longer you hold
- Fully custodial
- Very high-LTV options carry high liquidation risk (PDL near price)
- Short terms (≤364 days), not a long-term loan
- Less disclosure on rehypothecation/segregation
Who YouHodler is best for
YouHodler suits borrowers who want a small or short-term loan, or who specifically need higher LTV than conservative lenders allow — and who understand the fee structure and liquidation risk. For a straightforward 12-month loan at a lower all-in cost, compare Lantern (8%), Strike or Ledn.
FAQ
What does a YouHodler loan cost?
A flat daily loan fee of 0.055% of the borrowed amount, charged each day from open to close and independent of loan term — about 20% annualized if held a full year. This replaced the former 1.7–7.5% upfront fee. Check the all-in figure in their calculator before borrowing.
What LTV does YouHodler offer?
Up to 90%, and 97% on some configurations — among the highest available. Higher LTV means a much higher chance of liquidation.
How does liquidation work at YouHodler?
Each loan has a 'Price Down Limit' — a collateral price at which YouHodler sells your collateral to close the loan. At high LTV that price sits close to the current price.
Is YouHodler safe?
It is an established Swiss-based VASP operating since 2018, but it is fully custodial with aggressive high-LTV products and less disclosure than the most transparent lenders. We rate it Higher relative risk — our highest tier among listed lenders. No loan is risk-free.
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