Keep Crypto. Get Cash.

Get up to $30,000 loan in cash with your crypto as collateral
  • The highest Loan-to-Value ratio
  • No minimum monthly payments and no hidden fees
  • Major cryptocurrencies as collateral
youhodler app view
youhodler app view

Loan Platform Benefits

  • youhodler own fiat fund

    Own fiat fund: Instant payments

    There is no need to find a lender like in a P2P model. With automated KYC/AML checks, loan approvals take seconds and funds can be released almost instantaneously.

  • youhodler all major coins

    All major cryptocurrencies

    YouHodler accepts BTC, XRP, ETH, LTC, BCH, BSV as collateral.

  • youhodler best loan to value

    Best industry loan-to-value

    We provide the best combination of loan-to-value and margin call levels, based on the proven risk-management system.

  • youhodler easy to get usd eur

    Easy to get cash, easy to pay off

    We accept all major cards (Visa, MasterCard, Maestro, American Express, etc.)

how youtoken loan works

How Does It Work?

The YouHodler platform allows one to borrow fiat funds instantly, based on the current value of one’s cryptocurrency asset holdings:

  • A user requests a loan, using his/her crypto asset as collateral.
  • In return, the user instantly receives an agreed loan amount in fiat (USD, EUR).
  • After repaying the loan, the user gets his/her collateral back, even if it has increased in value.

YouHodler loan service works like a pawnshop. There is the sale of the cryptocurrency (YOU are the seller) which YouHodler purchases. Following a pre-defined period of time, you re-purchase the cryptocurrency from YouHodler.

how youhodler works

Credit Card & App


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.

30 000 credit card limit

16% annual percentage rate

0 monthly fee


Our Clients Love Us

About Us

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.

What problem does YouHodler Loan Service solve?

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.

Why YouHodler?

  • Bank accounts at Switzerland
  • Partnerships with trusted fiat payment providers
  • Our own secure wallet system
  • Integration with leading crypto exchanges
  • Our extensive expertise in currency exchange rate risk management

Who might benefit from the service?

  • Crypto holders, traders, and investors
  • Miners
  • Blockchain companies


How much cash can I get?

You can get up to $30,000 in cash automatically. Larger amounts of money can be lent on an individual basis.

What loan terms are available?

There are 3 different types of loan terms: 8-day, 50-day, and 120-day. Our interest rate varies from 5% to 13% (depends on the terms of your loan). Loan-to-value ratio varies from 55% to 80% (depends on the terms of your loan)

How do I pay off my loan in fiat (USD, EUR, USDT)?

We accept all major credit/debit cards, bank wires, and Tether (USDT).

Why does the interest rate vary on loans?

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!

Can I get better interest rate with more collateral?

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.

Meet the Team

Our Partners

YouHodler is Approved Member of Blockchain Association

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.