YieldCompare · head to head
Uphold vs YouHodler
Asset-by-asset comparison of rates and risk profiles
Short answer
Uphold is the safer of the two: it passes 4 of our five public safety checks, while YouHodler passes 0.
On rates, the highest advertised APY is 11.6 % at Uphold and 12 % at YouHodler. Base rates only, no promo tiers.
Uphold
Safety grade B
5 checks ✓ ✓ ✓ ✗ ✓
USDT —
BTC —
ETH 0.67 %
Top product ATOM · 11.6 %
Products tracked 22
Coins tracked 22
Jurisdiction USA (FinCEN MSB) + UK FCA + EU
Founded 2014
Min deposit $1
Open Uphold → 
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 | Uphold | YouHodler | Winner |
|---|---|---|---|
| SOL | 1.64 % | 11 % | ★ YouHodler |
| ADA | 0.99 % | 11 % | ★ YouHodler |
| ETH | 0.67 % | 11 % | ★ YouHodler |
| USDC | — | 12 % | ★ YouHodler |
| USDT | — | 12 % | ★ YouHodler |
| ATOM | 11.6 % | — | ★ Uphold |
| DOGE | — | 11 % | ★ YouHodler |
| LINK | — | 11 % | ★ YouHodler |
| TRX | — | 11 % | ★ YouHodler |
| XRP | — | 11 % | ★ YouHodler |
| BTC | — | 7.0 % | ★ YouHodler |
| INJ | 4.86 % | — | ★ Uphold |
| AXL | 4.26 % | — | ★ Uphold |
| CSPR | 3.29 % | — | ★ Uphold |
| CCD | 3.25 % | — | ★ Uphold |
| AVAX | 3.19 % | — | ★ Uphold |
| DOT | 1.81 % | — | ★ Uphold |
| POL | 1.78 % | — | ★ Uphold |
| TAO | 1.59 % | — | ★ Uphold |
| ALGO | 1.51 % | — | ★ Uphold |
| NEAR | 1.41 % | — | ★ Uphold |
| XTZ | 1.15 % | — | ★ Uphold |
| ROSE | 0.99 % | — | ★ Uphold |
| XDC | 0.85 % | — | ★ Uphold |
| APT | 0.58 % | — | ★ Uphold |
| SUI | 0.46 % | — | ★ Uphold |
| KSM | 0.44 % | — | ★ Uphold |
| HBAR | 0.33 % | — | ★ Uphold |
| FLR | 0.22 % | — | ★ Uphold |
Safety — check by check
| Check | B Uphold | F YouHodler |
|---|---|---|
| Regulation | ✓ | ✗ |
| Proof-of-Reserves | ✓ | ✗ |
| Flexible withdrawal | ✓ | ✗ |
| Insurance Fund | ✗ | ✗ |
| Track record (2+ years incident-free) | ✓ | ✗ |
| Score | 4/5 · B | 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.