Yield
BTC on YouHodler
YouHodler pays 8.0 % APY on Bitcoin (BTC) as a Flexible rate. On YieldScope YouHodler carries a safety grade of F, scored across five risk criteria. Below: where BTC earns more — and where it earns safer.
WhiteBIT B Yield source: Exchange Earn
Where else BTC earns
YouHodler pays 8.0 % on BTC. Here's how other venues compare — by rate and by safety.
| Venue | APY | Terms | Grade |
|---|---|---|---|
| YouHodler (this page) | 8.0 % | Flexible | F |
 Lune.fi | 21.5 % | 🔒 360d lock | F |
 CoinDepo | 12 % | Flexible | F |
| WhiteBIT | 10.9 % | 🔒 30d lock | B |
 Nebeus | 3.5 % | 🔒 30d lock | D |
| WhiteBIT | 1.38 % | Flexible | B |
YouHodler is graded F. If safety matters more than a few extra basis points, Bitget Earn earns BTC at a higher grade (A).
Why YouHodler is graded F
Five binary safety criteria — each one passed or not. The more passed, the safer.
- ✗ Regulation
AML registrations only, no prudential license — Swiss SRO PolyReg membership (AML oversight, not a FINMA license) plus VASP registrations in Italy (OAM) and Spain. CRITICAL — no MiCA CASP license; since July 1, 2026 the platform runs in "limited operations" mode in the EU, not onboarding new European clients, and is absent from the ESMA CASP register. Source 1 → Source 2 → Source 3 →
- ✗ Proof-of-Reserves
No independent proof-of-reserves and no public financial statements. Marketing points to custody infrastructure (Ledger Vault, Fireblocks) instead, which says nothing about reserves or solvency. Source →
- ✗ Flexible withdrawal
Nominally a no-lock Yield account, but in practice there are recurring complaints (including through 2026) about multi-week withdrawal freezes pending repeat KYC/AML checks; the platform reserves the right to cancel transactions. Source 1 → Source 2 →
- ✗ Insurance Fund
The $150M policy via Ledger Vault (Lloyd's) covers private-key theft — a crime/custody policy, NOT deposit insurance. It is pooled across all Ledger Vault clients, so the limit may fall short in a major incident. Source →
- ✗ Track record (2+ years incident-free)
2019 data breach: 86M records with unencrypted card data (CVV included) on a passwordless server — while the company publicly downplayed it. Survived the 2022 crisis without bankruptcy (a plus), but the withdrawal-freeze complaint pattern continues into 2026. Source 1 → Source 2 →
BTC rate history on YouHodler
YouHodler has not changed its BTC rate once in the 8 days we have been recording it — the number you see today is the number it has always paid.
Daily snapshots from YieldScope's rate sync. Hover to inspect any day.
How BTC yields moved across exchanges
from 2026-05-25 to 2026-07-29
Among the 20 venues we have BTC history for, YouHodler currently sits at #3 by rate — with 8 days of our own daily snapshots behind that number.
Source: daily snapshots via exchange APIs
Your money, this pair
How much will you earn?
Method: monthly compounding (1 + APR/12)ⁿ, where APR is the exchange's stated rate. The realized 12-month return is slightly higher due to reinvestment. Rates may change. Not financial advice.
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How BTC earns on YouHodler
When you deposit BTC into YouHodler's earn product you receive 8.0 % APY as a Flexible rate. The platform puts the asset to work and shares the yield — your balance grows without you doing anything.
This is a base rate, not a promotional teaser: it's what an ordinary deposit actually earns. YouHodler carries a YieldScope safety grade of F, so weigh the yield against platform risk — a higher rate on a weaker grade is not automatically a better deal.
Rates on BTC move with lending demand and market conditions. We re-check them daily and keep a history, so you can see whether today's number is unusually high, unusually low, or steady.