YieldCompare · head to head
Nebeus vs YouHodler
Asset-by-asset comparison of rates and risk profiles
Short answer
Nebeus 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 12 % at Nebeus and 12 % at YouHodler. Base rates only, no promo tiers.
Nebeus
Safety grade D
5 checks ✓ ✗ ✗ ✗ ✓
USDT —
BTC 3.5 %
ETH 3.5 %
Top product USDC · 12 %
Products tracked 8
Coins tracked 6
Jurisdiction Spain (Rintral Trading SL, Barcelona)
Founded 2014
Min deposit $50
Open Nebeus → 
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 | Nebeus | YouHodler | Winner |
|---|---|---|---|
| USDC | 12 % | 12 % | = Tie |
| ETH | 3.5 % | 11 % | ★ YouHodler |
| BTC | 3.5 % | 7.0 % | ★ YouHodler |
| USDT | — | 12 % | ★ YouHodler |
| ADA | — | 11 % | ★ YouHodler |
| DOGE | — | 11 % | ★ YouHodler |
| LINK | — | 11 % | ★ YouHodler |
| SOL | — | 11 % | ★ YouHodler |
| TRX | — | 11 % | ★ YouHodler |
| XRP | — | 11 % | ★ YouHodler |
| BCH | 4.5 % | — | ★ Nebeus |
| ALGO | 4.5 % | — | ★ Nebeus |
| 1INCH | 4.5 % | — | ★ Nebeus |
Safety — check by check
| Check | D Nebeus | 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.