YieldCompare · head to head
Coinbase Earn vs YouHodler
Asset-by-asset comparison of rates and risk profiles
Short answer
Coinbase Earn is the safer of the two: it passes 5 of our five public safety checks, while YouHodler passes 0.
On rates, the highest advertised APY is 13.3 % at Coinbase Earn and 12 % at YouHodler. Base rates only, no promo tiers.
Coinbase Earn
Safety grade A
5 checks ✓ ✓ ✓ ✓ ✓
USDT —
BTC —
ETH 1.69 %
Top product ATOM · 13.3 %
Products tracked 7
Coins tracked 7
Jurisdiction USA (NASDAQ:COIN), Ireland (CB Europe)
Founded 2012
Min deposit $1
Open Coinbase Earn → 
YouHodler
Safety grade F
5 checks ✗ ✗ ✗ ✗ ✗
USDT 12 %
BTC 7.0 %
ETH 11 %
Top product USDC · 12 %
Products tracked 10
Coins tracked 10
Jurisdiction Switzerland (YouHodler SA, Lausanne; group co. Naumard Ltd, Cyprus)
Founded 2018
Min deposit $100
Open YouHodler → Coin by coin
Shared coins, side by side
| Asset | Coinbase Earn | YouHodler | Winner |
|---|---|---|---|
| SOL | 3.4 % | 11 % | ★ YouHodler |
| ETH | 1.69 % | 11 % | ★ YouHodler |
| ADA | 1.36 % | 11 % | ★ YouHodler |
| ATOM | 13.3 % | — | ★ Coinbase Earn |
| USDC | — | 12 % | ★ YouHodler |
| USDT | — | 12 % | ★ YouHodler |
| DOGE | — | 11 % | ★ YouHodler |
| LINK | — | 11 % | ★ YouHodler |
| TRX | — | 11 % | ★ YouHodler |
| XRP | — | 11 % | ★ YouHodler |
| BTC | — | 7.0 % | ★ YouHodler |
| AVAX | 3.43 % | — | ★ Coinbase Earn |
| XTZ | 2.81 % | — | ★ Coinbase Earn |
| DOT | 2.01 % | — | ★ Coinbase Earn |
Safety — check by check
| Check | A Coinbase Earn | F YouHodler |
|---|---|---|
| Regulation | ✓ | ✗ |
| Proof-of-Reserves | ✓ | ✗ |
| Flexible withdrawal | ✓ | ✗ |
| Insurance Fund | ✓ | ✗ |
| Track record (2+ years incident-free) | ✓ | ✗ |
| Score | 5/5 · A | 0/5 · F |
The five public criteria behind each platform's grade. Each ✓ is one point — more points, safer grade. A highlighted ✓ is where one platform wins the criterion outright.