The YouHodler platform allows one to borrow fiat funds instantly, based on the current value of one’s cryptocurrency asset holdings:
Get your personal YouHodler Master Card (EUR) or connect your existing VISA/MasterCard to YouHodler’s Mobile App.
Take a loan and have your cash available on your credit card balance.
20 000€ credit card limit
16% annual percentage rate
0€ monthly feeAPPLY NOW
YouHodler is a Blockchain-based Financial Ecosystem focused on cryptocurrency-backed lending with fiat loans. YouHodler lending platform provides USD and/or EUR loans, secured by collateral in BTC, ETH, XRP, and other popular cryptocurrencies.
YouHodler has an innovative concept that allows users to hold onto their cryptocurrencies while spending on necessary purchases at the same time. As spending crypto assets today prevents cryptocurrency holders from gaining from any future growth in asset value, investors who buy low need to hold onto their assets in order to benefit from selling high. It’s a market where everyone is conditioned to HODL.
You can get up to $10,000 in cash automatically. Larger amounts of money can be lent on an individual basis.
There are 3 different types of loan terms: 8-day, 60-day, and 182-year. Our interest rate varies from 2.5% to 13% (depends on the terms of your loan). Loan-to-value ratio varies from 45% to 80% (depends on the terms of your loan)
We accept all major credit/debit cards and bank wires
The more members we have, the more we can lend. This will give us the ability to offer better rates to everyone. Our goal is to grow the community of borrowers and lenders so we will be offering incentives for people who join the network early, who refer additional people, etc. Basically the more the merrier, and less expensive – so tell your friends!
No, the interest rates will not be determined by the amount of your collateral. We believe everyone should be offered the same rates regardless of how much money or crypto they have. The current financial system is unfairly biased towards people with more – more assets, more connections, more access. We want to change that.
YouHodler is an official Blockchain Association member of Financial Commission, an independent Self-Regulatory Organization (SRO) and External Dispute Resolution (EDR) provider. Blockchain Association members and their customers benefit from access to Financial Commission’s efficient dispute resolution process and compliance technology. If you have a dispute that could not be resolved with this member, submit a complaint to the Association and receive an unbiased, non-binding resolution.