YieldCompare · head to head
Lune.fi vs YouHodler
Asset-by-asset comparison of rates and risk profiles
Short answer
Lune.fi is the safer of the two: it passes 1 of our five public safety checks, while YouHodler passes 0.
On rates, the highest advertised APY is 29.5 % at Lune.fi and 12 % at YouHodler. Base rates only, no promo tiers.
Lune.fi
Safety grade F
5 checks ✗ ✗ ✓ ✗ ✗
USDT 29.5 %
BTC 21.5 %
ETH 21.5 %
Top product USDC · 29.5 %
Products tracked 8
Coins tracked 4
Jurisdiction Seychelles (Lune International Holdings LTD, IBC 250439 — claimed by the venue, not publicly verifiable)
Founded 2021
Min deposit $10
Open Lune.fi → 
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
Safety — check by check
| Check | F Lune.fi | F YouHodler |
|---|---|---|
| Regulation | ✗ | ✗ |
| Proof-of-Reserves | ✗ | ✗ |
| Flexible withdrawal | ✓ | ✗ |
| Insurance Fund | ✗ | ✗ |
| Track record (2+ years incident-free) | ✗ | ✗ |
| Score | 1/5 · F | 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.