BTC$84,296-2.28%|

ETH$2,672.18-2.89%|

USDT$0.99989-0.00%|

BNB$765.7000-2.48%|

XRP$1.4800-5.51%|

USDC$0.99988-0.00%|

SOL$114.1900-3.27%|

TRX$0.34027-0.45%|

ZEC$1,512.73-0.05%|

FIGR_HELOC$1.0270-1.07%|

HYPE$92.9200-3.74%|

DOGE$0.09202-8.11%|

XMR$551.4200-2.64%|

WBT$84.5000-2.48%|

USDS$0.99987-0.00%|

LINK$12.2500-5.48%|

ADA$0.23728-5.94%|

RAIN$0.01226-6.35%|

LEO$8.9600-0.20%|

XLM$0.20098-6.46%|

BCH$339.4000+0.36%|

NEAR$4.3400+1.57%|

UNI$9.1400-2.80%|

USDE$0.99973-0.01%|

LTC$60.8700-2.76%|

DAI$0.99987-0.01%|

AVAX$10.2900-6.59%|

USD1$0.99953+0.01%|

CC$0.10874-3.95%|

GRAM$1.4100-2.66%|

BTC$84,296-2.28%|

ETH$2,672.18-2.89%|

USDT$0.99989-0.00%|

BNB$765.7000-2.48%|

XRP$1.4800-5.51%|

USDC$0.99988-0.00%|

SOL$114.1900-3.27%|

TRX$0.34027-0.45%|

ZEC$1,512.73-0.05%|

FIGR_HELOC$1.0270-1.07%|

HYPE$92.9200-3.74%|

DOGE$0.09202-8.11%|

XMR$551.4200-2.64%|

WBT$84.5000-2.48%|

USDS$0.99987-0.00%|

LINK$12.2500-5.48%|

ADA$0.23728-5.94%|

RAIN$0.01226-6.35%|

LEO$8.9600-0.20%|

XLM$0.20098-6.46%|

BCH$339.4000+0.36%|

NEAR$4.3400+1.57%|

UNI$9.1400-2.80%|

USDE$0.99973-0.01%|

LTC$60.8700-2.76%|

DAI$0.99987-0.01%|

AVAX$10.2900-6.59%|

USD1$0.99953+0.01%|

CC$0.10874-3.95%|

GRAM$1.4100-2.66%|

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CeFiTier-2KYC required

YouHolder

Highest LTV (90%) custodial crypto loans with fast approval.

4.0

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Overview

YouHodler is a CeFi crypto lending platform founded in 2018 that stands out for offering the highest loan-to-value (LTV) ratio in the industry — up to 90%. This means users can borrow significantly more against their crypto collateral compared to most competitors. The platform also features the fastest approval times (5-30 minutes) and a built-in exchange.

Highest LTV in the Industry

While most crypto lending platforms cap LTV at 50-75%, YouHodler allows up to 90% LTV on certain assets. This gives borrowers maximum liquidity from their crypto holdings without needing to pledge excessive collateral.

Multi-Feature Platform

YouHodler is more than just a lending platform — it includes a built-in crypto exchange, savings accounts with yield, and custom tariff plans. This makes it a one-stop shop for CeFi crypto financial services.

Pros & Cons

Pros

Highest LTV in the industry — up to 90%
Fastest approval — 5 to 30 minutes
Built-in crypto exchange for seamless trading
Savings yield accounts for passive income
Custom tariff plans available
Supports top 50 cryptocurrencies

Cons

Custodial — platform holds your private keys
KYC required for all users
Variable rates can be less predictable than fixed rates
Regulatory restrictions may apply depending on jurisdiction

Key Features

Highest LTV (90%)

Fastest approval (5-30 min)

Built-in exchange

Savings yield

Custom tariffs available

Frequently Asked Questions

Why can YouHodler offer 90% LTV?

YouHodler uses a sophisticated risk management system and charges higher interest rates on high-LTV loans to compensate for the increased risk. This allows borrowers to access more liquidity from their collateral.

How fast is loan approval on YouHodler?

Loans are typically approved within 5 to 30 minutes after collateral is deposited and KYC is verified. This is among the fastest in the CeFi lending space.

Does YouHodler offer savings accounts?

Yes, YouHodler offers savings accounts with yield on various cryptocurrencies. You can earn passive income on idle crypto while also using the lending and exchange features.