YouHodler
YouHodler is a Swiss-regulated Web3 fintech platform founded in 2019 that offers retail and enterprise users crypto trading (up to x70 leverage), crypto-backed loans at 97% LTV, exchange, yield accounts, a 2%-cashback crypto card, and B2B payment infrastructure across 100+ countries, with VASP registrations in Switzerland, Italy, Spain, and Argentina.
- Company typePrivate
- Founded2019
- HeadquartersLausanne, Switzerland
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What YouHodler does
YouHodler SA is a privately held Swiss Web3 fintech platform founded in 2019 and headquartered in Lausanne, operating across more than 100 countries under VASP registrations in Switzerland (SRO PolyReg), Italy (OAM), Spain (Banco de España), and Argentina (CNV). The company positions itself as a regulated bridge between traditional finance and digital assets, offering retail users a single interface for buying, exchanging, and trading cryptocurrencies, accessing crypto-collateralized cash loans, earning yield on idle holdings, and spending via a branded crypto debit card.
The core platform comprises MultiHODL leveraged trading (up to x70 multiplier on 64 pairs, with no opening/closing or profit-share fees), Get Cash crypto-backed lending at a 97% loan-to-value ratio, a real-time exchange spanning 55+ crypto and fiat pairs, and a Web3 wallet gateway to DeFi protocols. Surrounding modules include a Yield/Growth Account, Cloud Miner, a multi-tier Loyalty and Rewards program, the $YHDL utility token, and the YouHodler Crypto Card with 2% cashback. Distribution is product-led and self-serve via web, iOS, and Android apps, augmented by an Affiliate and Ambassador program, an embedded Buy button inside Ledger Live, and real-time payment integrations with Volt (open banking) and N3XT (24/7 stablecoin B2B settlement).
YouHodler's revenue is generated across five transactional streams: interest and fees on crypto-collateralized loans, exchange and leveraged-trading spreads, fiat on-ramp fees (cards, SEPA, Apple Pay, Google Pay), Crypto Card interchange, and B2B contracts via the Business API, White-Label Solutions, and Corporate Accounts. The GTM combines PLG self-serve for retail with enterprise field sales for institutional clients, supported by brand-visibility sponsorships (Torino FC in Serie A and the AI.LOVE.JAZZ festival) and earned media in Bloomberg, Forbes, Yahoo Finance, and CoinDesk. Ownership is private with no disclosed parent, VC backers, or funding rounds.
YouHodler firmographics
Firmographics- Name
- YouHodler
- Legal name
- YouHodler SA
- Website
- https://youhodler.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- YouHodler is a Swiss-regulated Web3 fintech platform founded in 2019 that offers retail and enterprise users crypto trading (up to x70 leverage), crypto-backed loans at 97% LTV, exchange, yield accounts, a 2%-cashback crypto card, and B2B payment infrastructure across 100+ countries, with VASP registrations in Switzerland, Italy, Spain, and Argentina.
- Ownership category
- akta.pro rank
YouHodler industry classification
Industry- Product category
- Crypto Lending & Trading
- NAICS
- Securities and Commodity Exchanges (52321), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)
- SIC
- Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Commodity Contracts Brokers & Dealers (6221)
- akta.pro primary industry
- Crypto/Web3 Neobanks (FSABAFAG)
- akta.pro secondary industries
- Crypto-Backed Consumer Loans (Secured) (FSADAFAG), Crypto Borrowing & Margin Credit Facilities (FSADAFAC), Crypto Payment Gateways & Checkout APIs (FSADAIAA), Wallet Connectivity & Session Protocols (WalletConnect, deep links, QR, auth sessions) (FSAPACAF)
Keywords
Where YouHodler is headquartered
LocationHeadquarters
- HQ city
- Lausanne
- HQ country
- Switzerland
- HQ region
- Europe
Offices4 records
Markets served
YouHodler business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Crypto Lending Interest: Revenue generated from crypto-collateralized loans (Get Cash service). Users deposit crypto as collateral and receive fiat or stablecoins, with interest charged on the loan amount.
- Exchange/Trading Fees: Low-fee cryptocurrency exchange with real-time execution. Competitive fee structure with no hidden costs.
- Yield Account Management: Earning rewards on crypto holdings through growth/yield accounts, with returns distributed to users from platform's lending and trading activities.
- Fiat On-ramp Services: Purchase cryptocurrency via credit/debit cards, SEPA bank transfers, Apple Pay, Google Pay with transaction fees.
- Crypto Card Revenue: Crypto card offering 2% cashback on purchases, generating revenue through interchange fees and merchant services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | MultiHODL Trading - Start trading with $10 equivalent |
| Transaction based/ take rate | Pay-as-you-go | Crypto Card with 2% cashback |
| Subscription | Monthly | Growth/Yield Account |
| Transaction based/ take rate | Pay-as-you-go | Get Cash (Crypto Loans) |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels7 records
YouHodler product offering
Product offeringCore offering
YouHodler operates a regulated Web3 fintech platform that provides crypto-backed lending (Get Cash with up to 97% LTV), leveraged crypto trading (MultiHODL with up to 70x multiplier), real-time cryptocurrency exchange, yield-bearing accounts on crypto and stablecoin holdings, and a crypto debit card. It supports 50+ cryptocurrencies and multiple fiat currencies, with self-serve access via web and mobile apps and enterprise-grade offerings through a Business API, White-Label solutions, and Corporate Accounts.
Product overview
YouHodler is a Swiss and EU-based Web3 fintech platform operating as a unified platform-plus-modules architecture. The core platform provides essential services: MultiHODL (leveraged trading with up to x70 multiplier across 64 pairs), Buy Crypto (purchasing 50+ cryptocurrencies via bank transfer, card, Apple Pay, Google Pay), Exchange (real-time crypto/fiat/stablecoin conversion), Get Cash (crypto-backed lending at up to 97% LTV), and Web3 Wallet (DeFi gateway). These are supplemented by a growing suite of modules including: the Crypto Card (2% cashback physical/virtual card), $YHDL native utility token, Yield Account (crypto savings), Cloud Miner (BTC rewards), Loyalty Program (multi-tiered perks), Rewards and Promos (engagement incentives), plus B2B offerings (Business API, White-Label Solutions, Corporate Accounts). The platform also integrates Ledger Live, Volt real-time payments, and N3XT 24/7 programmable payments as part of its open finance infrastructure. YouHodler is regulated in Switzerland, Italy, Spain, and Argentina.
Differentiator
Problem solved
Functional benefit
Brands
- $YHDL: YouHodler Token - a utility token designed to enhance the YouHodler platform with perks and benefits for holders.
Products and services
- MultiHODL
Companies that use YouHodler
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
YouHodler technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration12 records
Feature5 records
YouHodler partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered minor and core.
- AI.LOVE.JAZZ FestivalminorOfficial Fintech Partner and Title Sponsor of world's first AI jazz festival in Montreux, Switzerland. Aligns with Montreux Jazz Festival (July 9-10, 2026), positioning YouHodler in creative technology and innovation space.
- VoltcorePartnership enables real-time account top-ups and payouts for EU users via Volt's open banking infrastructure. Leverages Virtual IBANs for automated reconciliation and compliance with EU's Instant Payments Regulation (SEPA Instant). Localized checkout in English, French, German, and Italian.
- N3XTcoreStrategic partnership enabling YouHodler enterprise users to access 24/7 stablecoin-based USD payment infrastructure. Connects digital asset activity with continuously available fiat settlement via N3XT's blockchain-powered bank. Aims to expand institutional-grade stablecoin settlement across Europe and Argentina.
- Torino FCminorRenewed strategic partnership with Italian Serie A football club for fourth consecutive season. Provides branding visibility at Stadio Olimpico Grande Torino with fan activations including Crypto Summit events, player meet-and-greets, contests, and digital experiences. Part of broader Web3 accessibility expansion in Europe.
- LedgercoreNative integration with Ledger Live enabling users to purchase cryptocurrencies directly through YouHodler within the Ledger ecosystem. Combines Ledger's hardware wallet security with YouHodler's regulated crypto finance services including fiat on-ramps and digital asset management.
- MiCA Crypto AllianceminorJoined the MiCA Crypto Alliance led by DLT Science Foundation to advance compliance with EU's Markets in Crypto-Assets regulation. Partnership integrates carbon emission data disclosure for tokens listed on YouHodler's exchange, supporting ESG standards alongside Ripple, Hedera, and Aptos Foundation members.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
YouHodler competitors and assessment
Company assessmentDirect peers
- Nexo: Direct competitor offering crypto-backed lending, exchange, and a crypto card. Most analogous to YouHodler in product mix and target audience of crypto holders seeking liquidity without selling.
- SwissBorg: Swiss-headquartered crypto wealth platform offering yield products, exchange, and a Meta-Exchange. Closely comparable given shared Swiss domicile, regulatory profile and yield/lending focus.
- Ledn: Crypto-backed lending and yield platform focused on Bitcoin-collateralized loans. Comparable core lending mechanic to Get Cash, with similar retail and SMB borrower base.
- Wirex: Crypto payments platform offering a multi-currency card and exchange. Highly comparable to YouHodler on the Crypto Card and exchange product intersection, with similar regulatory profile in the UK and EU.
Broad incumbents
- Crypto.com: Large incumbent operating a crypto exchange, lending, Visa card, and staking. Direct overlap in MultiHODL-like trading, Get Cash-like lending, and the 2% cashback Crypto Card.
- Coinbase: Largest US-regulated crypto platform offering exchange, custody, staking, and a debit card. Overlaps with YouHodler's retail exchange, wallet, and card products at much larger scale.
- Binance: World's largest crypto exchange by volume, also offering lending, staking, and a Binance Card. Competes head-on with YouHodler's exchange and yield products on a global basis.
- Kraken: Established crypto exchange and staking platform. Comparable on the exchange and Web3 wallet fronts, with overlapping EU/LATAM regulatory positioning.
Emerging players
- Aave: Leading DeFi lending/margin protocol. Comparable on the crypto-collateralized lending and margin mechanics that underpin Get Cash and MultiHODL, but operates on a non-custodial DeFi model versus YouHodler's centralized structure.
- Amber Group: Crypto financial services platform offering lending, trading, and yield products to institutional and retail clients. Comparable scope across lending, trading, and yield generation with B2B and white-label capabilities.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
YouHodler social profiles
Digital presenceYouHodler compliance and trust
Trust signalCompliance5 records
YouHodler financial estimates
Financial estimateRevenue estimate
Valuation estimate
YouHodler leadership team
Management profileNumber of profiles
Profiles4 records
YouHodler subsidiaries and ownership
Company hierarchySubsidiaries2 records
YouHodler funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
YouHodler M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about YouHodler
What does YouHodler do?
YouHodler operates a regulated Web3 fintech platform that provides crypto-backed lending (Get Cash with up to 97% LTV), leveraged crypto trading (MultiHODL with up to 70x multiplier), real-time cryptocurrency exchange, yield-bearing accounts on crypto and stablecoin holdings, and a crypto debit card. It supports 50+ cryptocurrencies and multiple fiat currencies, with self-serve access via web and mobile apps and enterprise-grade offerings through a Business API, White-Label solutions, and Corporate Accounts.
Is YouHodler a public or private company?
YouHodler is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was YouHodler founded?
YouHodler was founded in 2019. It employs 101 to 250 people.
Where is YouHodler based?
YouHodler is headquartered in Lausanne, Switzerland, in the Europe region.
How does YouHodler make money?
Five revenue lines are on record. Crypto Lending Interest is the primary driver. The others are exchange/Trading Fees, yield Account Management, fiat On-ramp Services and crypto Card Revenue.
Who are YouHodler's main competitors?
Direct peers on record are Nexo, SwissBorg, Ledn and Wirex. Broad incumbents are Crypto.com, Coinbase, Binance and Kraken. Emerging players are Aave and Amber Group.
Does YouHodler have an API?
Yes. YouHodler offers a Business Beta API for enterprises to integrate crypto services. The API enables businesses to add crypto functionality to their platforms. It is described as 'The easiest way to add crypto to your business' and is available at business-api.youhodler.com. Further details on auth method, rate limits, versioning, or sandbox availability are not specified in the available source content.
What industry is YouHodler in?
YouHodler's product category is Crypto Lending & Trading. Its primary akta.pro industry code is FSABAFAG, Crypto/Web3 Neobanks, with a secondary code of FSADAFAG, Crypto-Backed Consumer Loans (Secured). Its NAICS code is 52321 and its SIC code is 6200.