YouHodler vs Crypto.com -- which crypto platform should you choose in 2026? YouHodler is a Swiss-regulated fintech platform specializing in high-yield crypto earning (up to 15% APY) and crypto-backed loans with up to 90% LTV, while Crypto.com is a full-service exchange with 400+ coins, a tiered Visa card program, and an expanding ecosystem tied to its CRO token. For passive earners and borrowers who want simplicity without token lock-in, YouHodler is the better fit. For traders who want an all-in-one exchange with card rewards and broad asset selection, Crypto.com delivers more.
This detailed comparison covers fees, earn rates, loan terms, security, regulation, and every feature that matters so you can make the right decision.
| Feature | YouHodler | Crypto.com |
|---|---|---|
| Founded | 2018 | 2016 |
| Headquarters | Switzerland and Cyprus | Singapore |
| Supported Coins | 80+ | 400+ |
| Max Earn Rate (Stablecoins) | Up to 15% APY | Up to 6.5% APY (up to 19% with CRO staking) |
| Crypto Loans | Up to 90% LTV | Up to 50% LTV |
| Native Token Required | No | Yes (CRO unlocks best rates and perks) |
| Visa Card | No | Yes (up to 8% CRO cashback) |
| Trading Fees | Spread-based (~1-2%) | 0.25%/0.50% (down to 0%/0.075% with CRO/volume) |
| Fiat Currencies | USD, EUR, GBP, CHF | 20+ fiat currencies |
| US Availability | No | Yes (limited features) |
| Regulation | Swiss FINMA, EU MiCA compliant | Multiple global licenses (US, EU, UK, SG) |
| Security | Ledger Vault custody, 2FA, insurance | SOC 2 Type II, ISO 27001, PCI DSS, cold storage |
| DeFi Wallet | No | Yes (non-custodial) |
| Unique Tools | Multi HODL, Turbocharge | Crypto Baskets, Sports Contracts, NFT marketplace |
YouHodler Overview
YouHodler is a Swiss-based crypto fintech platform launched in 2018 that focuses on three core services: crypto-backed loans, high-yield earning accounts, and innovative portfolio multiplication tools. The platform is regulated under Swiss financial law (FINMA-compliant) and holds EU MiCA compliance, positioning it as one of the most transparent lending platforms in the industry.
YouHodler supports over 80 cryptocurrencies and distinguishes itself with no native utility token requirement. Every user receives the same rates and features regardless of holdings, which eliminates the tiered experience common on competitor platforms. The company is an active member of the Crypto Valley Association in Switzerland and uses Ledger Vault for institutional-grade custody of user assets.
Key YouHodler products include the Yield Account (earning up to 15% APY on stablecoins with weekly compounding), crypto-backed loans (up to 90% LTV with instant approval and no credit checks), Multi HODL (a leveraged yield tool), and Turbocharge (chained loan positions for amplified exposure). Withdrawals are available to bank accounts and credit cards, with fiat support for USD, EUR, GBP, and CHF.
Crypto.com Overview
Crypto.com is a full-service cryptocurrency platform founded in 2016 in Hong Kong (now headquartered in Singapore) that has grown into one of the largest crypto ecosystems globally, surpassing 100 million users in 2024. The platform offers spot and derivatives trading, a Visa card program with up to 8% CRO cashback, staking and earning products, a DeFi wallet, an NFT marketplace, and expanding TradFi-style products.
Crypto.com supports over 400 cryptocurrencies and operates under multiple global regulatory licenses across the US, EU, UK, and Singapore. The platform's ecosystem revolves around its native CRO token, which unlocks reduced trading fees, higher earn rates, better card rewards, and exclusive features through the Level Up membership program introduced in late 2025.
The Level Up program offers three tiers -- Plus, Pro, and Private -- with benefits including zero trading fees (up to unlimited for Private members), 0% foreign exchange fees on the Visa card, up to 6% CRO rewards, and a planned 5% return on idle cash. Crypto.com also expanded on-chain staking to its web platform in September 2025, offering up to 13% rewards on 30+ tokens, and has announced plans for a native stablecoin, ETF listings, and tokenized stocks.
Earning and Yield Rates
Earning passive income on crypto holdings is where YouHodler and Crypto.com take fundamentally different approaches, and this is the single biggest differentiator between the two platforms.
YouHodler offers up to 15% APY on stablecoins like USDT and USDC through its Yield Account, with weekly compounding and no lock-up periods required. There is no minimum deposit, and every user receives the same base rates without needing to hold or stake any native token. Loyalty levels based on trading volume can boost payouts further, and a Gold loyalty level offers 9.5% crypto payouts on selected currencies with fixed-term deposits.
Crypto.com Earn offers flexible and fixed-term deposits on 30+ coins. Base rates for stablecoins without CRO staking sit around 2-4% APY. To access the headline rates (up to 6.5% on stablecoins, or up to 19% APY on select tokens through on-chain staking), users must stake significant amounts of CRO and commit to 3-month lock-up terms. Level Up Private members ($50,000+ CRO stake) receive an additional 1% APY bonus.
| Asset Type | YouHodler APY | Crypto.com APY (No CRO) | Crypto.com APY (With CRO Staking) |
|---|---|---|---|
| USDT/USDC | Up to 15% | 2-4% | Up to 6.5% |
| Bitcoin (BTC) | Up to 7% | 1-2% | Up to 4.5% |
| Ethereum (ETH) | Up to 7% | 2-3% | Up to 6% |
| Lock-up Required | No (flexible) | Flexible or 1-3 months | 3-month lock recommended |
| Compounding | Weekly | Weekly | Weekly |
| Token Required for Best Rates | No | N/A | Yes (CRO) |
Verdict: YouHodler wins decisively on earn rates for users who do not want to buy and lock a native token. If you already hold substantial CRO and use the broader Crypto.com ecosystem, the combined staking and earn rewards can be competitive, but the barrier to entry is much higher.
Crypto-Backed Loans
Crypto-backed lending is YouHodler's flagship product and one of its strongest competitive advantages over Crypto.com.
YouHodler offers crypto-backed loans with up to 90% loan-to-value (LTV) ratios, meaning you can borrow up to 90% of your collateral's value. Loan terms range from 30 to 365 days with interest rates starting from approximately 2.9% for shorter terms. No credit checks are required, loans are approved instantly, and borrowers can receive funds in USD, EUR, GBP, CHF, or stablecoins. YouHodler supports 50+ cryptocurrencies as collateral, including BTC, ETH, and major altcoins.
Crypto.com also offers crypto loans but with more conservative terms. The maximum LTV is 50%, interest is charged at a flat 8% APR, and the range of collateral assets and output currencies is more limited. Crypto.com loans are better suited for borrowers who want lower-risk positions and are already embedded in the Crypto.com ecosystem.
| Loan Feature | YouHodler | Crypto.com |
|---|---|---|
| Maximum LTV | 90% | 50% |
| Interest Rate | From 2.9% | Flat 8% APR |
| Loan Terms | 30-365 days | Flexible |
| Credit Check | No | No |
| Collateral Assets | 50+ cryptocurrencies | 20+ cryptocurrencies |
| Output Currencies | USD, EUR, GBP, CHF, stablecoins | Stablecoins, limited fiat |
| Instant Approval | Yes | Yes |
Verdict: YouHodler is the clear winner for crypto loans. The 90% LTV ratio means you can access significantly more liquidity from your holdings, and the starting interest rate of 2.9% undercuts Crypto.com's flat 8% APR. If borrowing against your crypto is a priority, YouHodler is the better platform.
Trading Fees and Costs
When it comes to active trading, Crypto.com offers a far more developed exchange experience with lower fees for high-volume traders.
Crypto.com operates a full spot and derivatives exchange with tiered maker/taker fees. Base fees start at 0.25% maker / 0.50% taker, but drop significantly with volume and CRO staking. Level Up Plus members get zero trading fees up to $20,000/month, Pro members up to $50,000/month, and Private members enjoy unlimited zero-fee trading. For active traders, this makes Crypto.com extremely competitive.
YouHodler uses a spread-based model for its built-in exchange, with spreads typically ranging from 1-2% depending on the asset pair and market conditions. There is no traditional order book or advanced trading interface. YouHodler's exchange is designed for convenience -- quick conversions between crypto, fiat, and stablecoins -- rather than for active or high-frequency trading.
| Fee Type | YouHodler | Crypto.com |
|---|---|---|
| Spot Trading (Maker/Taker) | Spread-based (~1-2%) | 0.25%/0.50% (down to 0%/0.075%) |
| Crypto Purchase (Card) | ~2.5% | 2.99% |
| Bank Transfer Deposit | Free | Free (ACH/Wire) |
| Crypto Withdrawal | Network fee | Network fee (BTC: ~0.0006 BTC) |
| FX Fees (Card) | N/A | 0% for Level Up members |
| Account Closure Fee | None | None (previously $50, removed) |
Verdict: Crypto.com wins on trading fees, especially for users who trade frequently or hold CRO for fee reductions. YouHodler's spread-based model is fine for occasional conversions but too expensive for active trading.
Visa Card and Spending Features
This category is entirely one-sided. Crypto.com offers a tiered Visa card program that is one of the most popular crypto card products on the market. Cards range from the free Midnight Blue (1% CRO cashback) to the exclusive Obsidian (8% CRO cashback), with mid-tier options like the Ruby Steel (2%), Royal Indigo/Jade Green (3%), and Icy White/Frosted Rose Gold (5%). Higher tiers include perks like free Spotify, Netflix, and Amazon Prime reimbursements, airport lounge access, and 0% foreign exchange fees.
YouHodler does not offer a crypto debit card or any direct spending features. If spending crypto at retail with card rewards is important to you, Crypto.com is the only choice between these two.
Verdict: Crypto.com wins by default. No comparison is possible here since YouHodler simply does not have a card product.
Supported Cryptocurrencies
Crypto.com supports over 400 cryptocurrencies for trading, staking, and earning, making it one of the most comprehensive platforms for asset diversity. This includes all major tokens (BTC, ETH, SOL, ADA, DOT, AVAX) plus a wide range of altcoins, meme coins, and newer listings.
YouHodler supports 80+ cryptocurrencies across its earn, loan, and exchange products. While smaller in total count, the selection covers all major assets that most users would need for earning and borrowing. The platform adds new coins periodically based on demand.
Verdict: Crypto.com wins on sheer variety. If you want access to a wide range of altcoins and newer tokens, Crypto.com is the better choice. YouHodler covers the essentials but lacks the depth of a full exchange.
Security and Regulation
Both platforms take security seriously, but they approach it differently.
YouHodler is regulated under Swiss financial law and complies with EU MiCA regulations. The platform uses Ledger Vault for institutional-grade custody, implements two-factor authentication (2FA), and maintains insurance on user assets. YouHodler is also a member of the Blockchain Association and the Financial Commission, providing dispute resolution mechanisms for users. The team is publicly identifiable and active in the community, which adds transparency.
Crypto.com holds SOC 2 Type II, ISO 27001:2013, and PCI DSS v3.2.1 certifications -- the gold standard for centralized crypto platforms. The platform stores the majority of user funds in cold storage, implements multi-signature wallets, and has undergone third-party security audits. Crypto.com operates under multiple regulatory licenses across the US, EU, UK, Singapore, and other jurisdictions, giving it one of the broadest compliance footprints in the industry.
Verdict: Both platforms are strong on security. Crypto.com has more extensive third-party certifications and a broader regulatory footprint, while YouHodler offers solid Swiss and EU regulation with Ledger Vault custody. Neither platform has suffered a major security breach affecting user funds.
Unique Features and Tools
Each platform offers distinctive features that cater to different user needs.
YouHodler Unique Features
- Multi HODL: A leveraged yield tool that lets users open long or short positions on crypto with automatic take-profit and stop-loss parameters. It amplifies potential gains (and losses) without manual trading.
- Turbocharge: A chained loan feature that automatically takes a series of crypto-backed loans to multiply your position in a chosen asset. It offers leveraged exposure with a single click.
- Dual Asset: A structured product where users deposit crypto and earn enhanced yield based on price movement within a set range.
- No Token Requirements: All features are available to all users equally, with no need to purchase a utility token for better rates.
Crypto.com Unique Features
- Level Up Program: A tiered membership (Plus, Pro, Private) offering zero trading fees, enhanced earn rates, and card rewards based on CRO staking.
- DeFi Wallet: A non-custodial wallet for interacting with DeFi protocols, staking on-chain, and managing NFTs.
- NFT Marketplace: Buy, sell, and mint NFTs directly on the platform.
- Crypto Baskets: Pre-built diversified crypto portfolios for passive investing.
- Sports Contracts and Prediction Markets: Announced features for US market expansion.
- Planned Products: Native stablecoin, ETF listings, and tokenized stocks on the roadmap for 2026.
Verdict: YouHodler's unique tools (Multi HODL, Turbocharge) are ideal for users who want leveraged exposure without using a traditional exchange. Crypto.com's ecosystem is broader and more diverse, catering to traders, collectors, and DeFi users. The right choice depends entirely on what you need.
Mobile App and User Experience
Both platforms offer iOS and Android apps with clean, modern interfaces.
YouHodler's app is straightforward and focused, with easy navigation between earn, loan, and exchange functions. The simplicity is an advantage for users who primarily want to deposit, earn, and borrow. Some users have reported occasional bugs on Android, though the platform has improved stability over time.
Crypto.com's app is more feature-rich but also more complex. It handles trading, card management, staking, DeFi, and NFTs in a single interface. For new users, the number of options can be overwhelming, but the app is well-designed and has been refined over years of development. The separate Exchange app (exchange.crypto.com) provides a professional trading interface.
Verdict: Crypto.com has the more polished and feature-complete app. YouHodler's app is simpler and easier to navigate if you only need earn and loan features.
Who Should Choose YouHodler?
YouHodler is the better choice if you want:
- The highest possible earn rates on stablecoins without buying a native token
- Crypto-backed loans with up to 90% LTV and competitive interest rates
- Simple, focused platform for earning and borrowing
- Swiss and EU regulation with Ledger Vault security
- Leveraged yield tools (Multi HODL, Turbocharge) without a full exchange
- Equal treatment regardless of portfolio size -- no tiered experiences
Who Should Choose Crypto.com?
Crypto.com is the better choice if you want:
- A comprehensive crypto ecosystem with trading, staking, cards, DeFi, and NFTs
- A Visa card with up to 8% cashback and subscription reimbursements
- Access to 400+ cryptocurrencies for trading and investing
- Low trading fees (down to 0%) through the Level Up program
- US availability (YouHodler is not available in the US)
- Non-custodial DeFi wallet for on-chain activities
YouHodler vs Crypto.com: Final Verdict
YouHodler and Crypto.com serve fundamentally different purposes. YouHodler is a specialist -- it excels at crypto earning and lending with industry-leading rates and no token requirements. Crypto.com is a generalist -- it does everything from trading to cards to DeFi, but individual features may not always match specialist competitors.
If your primary goal is maximizing passive yield on crypto holdings and accessing high-LTV loans, YouHodler is the superior platform. If you want a single ecosystem that handles trading, spending, staking, and DeFi with the convenience of one app and one card, Crypto.com is the more complete solution.
For a comprehensive view of current rates across both platforms, check YouHodler rates on Bitcompare and Crypto.com rates on Bitcompare. You can also explore our lending rate comparison tool to see how both platforms stack up against the broader market.
Frequently Asked Questions
Is YouHodler safer than Crypto.com?
Both platforms maintain strong security standards. YouHodler is regulated under Swiss financial law (FINMA) and EU MiCA, and uses Ledger Vault for institutional custody with insurance. Crypto.com holds SOC 2 Type II, ISO 27001, and PCI DSS certifications with multiple global regulatory licenses. Neither has suffered a major security breach affecting user funds. Crypto.com has a broader regulatory footprint, while YouHodler benefits from Swiss financial regulation, which is among the strictest in the world.
Can I use YouHodler in the United States?
No, YouHodler is not currently available to US residents. The platform serves users in the EU, UK, Switzerland, and most other countries outside the US and China. If you need a US-accessible platform, Crypto.com operates in the US with most core features available, though some products like Earn may have restrictions depending on your state.
Do I need to buy CRO to use Crypto.com?
CRO is not required to use Crypto.com's basic trading and buying features. However, staking CRO unlocks significant benefits including higher earn rates, better Visa card cashback tiers (up to 8%), reduced trading fees, and Level Up membership perks like zero trading fees and 0% FX fees. Without CRO, you receive lower-tier rates and rewards across the platform.
Which platform has better crypto loan terms?
YouHodler offers significantly better crypto loan terms. YouHodler provides up to 90% loan-to-value ratios compared to Crypto.com's 50% maximum. YouHodler's interest rates start from approximately 2.9% for shorter terms, while Crypto.com charges a flat 8% APR. YouHodler also supports more output currencies including USD, EUR, GBP, CHF, and stablecoins, and requires no credit checks for instant approval.
Does YouHodler offer a crypto debit card?
No, YouHodler does not currently offer a crypto debit or credit card. If spending crypto with a card and earning cashback rewards is important to you, Crypto.com is the better choice with its Visa card program offering up to 8% CRO cashback, free streaming service reimbursements, and airport lounge access at higher tiers.
What is Multi HODL on YouHodler?
Multi HODL is a leveraged yield tool exclusive to YouHodler that allows users to open long or short positions on cryptocurrencies with customizable take-profit and stop-loss levels. It provides leveraged exposure to crypto price movements without using a traditional exchange or managing complex trading positions. Users set their parameters and the system automatically executes the strategy, making it accessible for users who want amplified returns without active trading.
How do Crypto.com's Level Up tiers work?
Crypto.com's Level Up program has three tiers based on CRO staking: Plus, Pro, and Private. Plus members get zero trading fees up to $20,000 per month, 3% crypto rewards, and 4 annual airport lounge entries. Pro members ($6.99/month equivalent) get zero fees up to $50,000/month. Private members (requiring $50,000+ or $500,000+ in CRO stake) receive unlimited zero-fee trading, the highest earn rate bonuses (+1% APY), and 5-8% card cashback. All tiers include 0% foreign exchange fees on the Visa card.
Can I earn interest on Bitcoin with YouHodler or Crypto.com?
Yes, both platforms support Bitcoin earning. YouHodler offers up to 7% APY on BTC with weekly compounding and no lock-up required. Crypto.com Earn offers BTC yields of 1-2% on flexible terms, rising to around 4.5% with CRO staking and 3-month lock-up periods. For pure Bitcoin yield without additional token requirements, YouHodler provides the higher rate.
