YieldCompare · head to head
LBank vs YouHodler
Asset-by-asset comparison of rates and risk profiles
Short answer
LBank is the safer of the two: it passes 2 of our five public safety checks, while YouHodler passes 0.
On rates, the highest advertised APY is 9.0 % at LBank and 12 % at YouHodler. Base rates only, no promo tiers.
LBank
Safety grade D
5 checks ✗ ✗ ✓ ✗ ✓
USDT 2.9 %
BTC 0.15 %
ETH 1.4 %
Top product TRX · 9.0 %
Products tracked 15
Coins tracked 15
Jurisdiction British Virgin Islands (governing law of LBank's user agreement)
Founded 2015
Min deposit $0
Open LBank → 
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 | LBank | YouHodler | Winner |
|---|---|---|---|
| USDC | 3.1 % | 12 % | ★ YouHodler |
| USDT | 2.9 % | 12 % | ★ YouHodler |
| TRX | 9.0 % | 11 % | ★ YouHodler |
| SOL | 3.0 % | 11 % | ★ YouHodler |
| ETH | 1.4 % | 11 % | ★ YouHodler |
| ADA | 1.3 % | 11 % | ★ YouHodler |
| BTC | 0.15 % | 7.0 % | ★ YouHodler |
| DOGE | — | 11 % | ★ YouHodler |
| LINK | — | 11 % | ★ YouHodler |
| XRP | — | 11 % | ★ YouHodler |
| USDD | 5.0 % | — | ★ LBank |
| GRAM | 3.0 % | — | ★ LBank |
| USDY | 2.5 % | — | ★ LBank |
| NEAR | 2.0 % | — | ★ LBank |
| SEI | 1.5 % | — | ★ LBank |
| POL | 1.5 % | — | ★ LBank |
| HYPE | 1.2 % | — | ★ LBank |
| SUI | 1.0 % | — | ★ LBank |
Safety — check by check
| Check | D LBank | F YouHodler |
|---|---|---|
| Regulation | ✗ | ✗ |
| Proof-of-Reserves | ✗ | ✗ |
| Flexible withdrawal | ✓ | ✗ |
| Insurance Fund | ✗ | ✗ |
| Track record (2+ years incident-free) | ✓ | ✗ |
| Score | 2/5 · D | 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.