Keep Crypto. Get Cash.

  • Crypto backed loan up to $30,000 in cash
  • The highest Loan-to-Value ratio
  • Instant payments in EUR, USD, USDT
  • Stablecoins, Bank Wire and Credit Card payments
  • All major cryptocurrencies as collateral
  • Buy and Sell Crypto for fiat
  • Convert Crypto to Crypto on the platform

Media About Us

  • "YouHodler believes its product helps traders leverage their crypto portfolio with additional cash in order to buy further digital assets..."

  • "YouHodler is fast and easy to use. Loans can be taken at any time and the approval process is swift..."

  • "By supporting HODLers during the hardest moments of the crypto-winter, and providing them with cash infusions, YouHodler saves the crypto-market from crashing..."

  • "The platform believes that every member is important and deserves equal rates regardless of how much money or collateral they have..."

  • "You Hodler is the one which offers highest loan-to-value ratio of up to 80%..."

  • "This solution seems to be especially useful in a bear market, where Bitcoin has hit its lowest price of the year, and most Altcoins are at or below their ICO price..."

Who Benefits From YouHodler?


Get cash without having to sell your favorite investments

Get Cash


Leverage your portfolio with additional cash to buy more crypto

Get Leverage


Use as an additional financing option to grow your business

Borrow Now

Blockchain DLT Companies

Use additional financing option to grow your business

Get Financed
youhodler app view
youhodler app view

Loan Platform Benefits

  • youhodler easy to get usd eur

    Easy to get cash, easy to pay off

    Payments in EUR, USD and USDT. We accept all major cards (Visa, MasterCard)

  • youhodler all major coins

    All major cryptocurrencies

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

  • 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 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.

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 or stable coins (USD, EUR, USDT)
  • 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

COMING Q3 2019

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


“We are happy to welcome HODLers to our platform which allows them to hedge their crypto portfolio or receive additional funds to strengthen it. Simultaneously, we are excited to create a new utility for coins presented on YouHodler. We believe that the more utility any coins has, the more value it brings to its users and also, the entire community.”

Ilya Volkov, CEO & Co-founder

About Us

YouHodler is a FinTech platform focused on crypto-backed lending with fiat (USD and EUR) and stablecoin loans, crypto/fiat and crypto/crypto conversions. YouHodler supports BTC, BCH, ETH, LTC, XLM, XRP, DASH, REP and other popular cryptocurrencies and tokens.

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 Europe and Switzerland
  • Partnerships with trusted fiat payment providers
  • Own secure wallet system
  • Integration with leading crypto exchanges
  • Extensive expertise in currency exchange rate risk management


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 USD, EUR, and USDT?

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

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.

All tutorials and answers from YouHodler Team

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.